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Carrying a Balance on Barclays

Valued Contributor

Re: Carrying a Balance on Barclays

I didn't mean to steer the thread in a different direction. My apologies. Back to Barclays! Smiley Happy
Message 11 of 24
Mega Contributor

Re: Carrying a Balance on Barclays

Ive had a big BT balance on mine for 7 months now paying big chunks monthly no issues.



EQ FICO 548 3/3/16
Message 12 of 24
Valued Contributor

Re: Carrying a Balance on Barclays

I just got my Barclays Rewards card today. $2500 limit and 0% APR for 15 months. With all my new cards, since I am rebuilding, I like to PIF for awhile starting out to make sure I don't trip any buttons. I got Barclays to use for Rewards while my Cap1 Cash Rewards card holds a balance for about a year. After that, I plan to alternate every month. OP, you got a really nice limit so I wouldn't worry about AA. Go get your MacBook! Smiley Happy
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 13 of 24
Frequent Contributor

Re: Carrying a Balance on Barclays

hi OP just wondering what your score was when you applied? i am hoping to apply for the same card soon
Message 14 of 24
Valued Contributor

Re: Carrying a Balance on Barclays

Mines was 698 TU...not OP though. Smiley Tongue
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 15 of 24
Frequent Contributor

Re: Carrying a Balance on Barclays

Thanks for all the replies!

No worries about sidetracking--I have a new Discover also, so loving the data.

I had a 704 myFico TU when I apped for Barclays. I had 11% util, a CSP @ 10k, and a CSP@ 7.5. Hope this helps! Also have a 3 year old paid tax lien.
WOW! EQ when I joined myFICO: 657. Ups and downs and a few bumps and bruises, but finally back over 700. Whew!

Message 16 of 24
Frequent Contributor

Re: Carrying a Balance on Barclays

My limit is 1500. I use my barclay card for bal transfers only. In the last year I might have made 4 POS transactions with it.

Next month will be my final payment on a 2.99% bal transfer deal from jan-12. Next month my hotel, airfare, car rental goes on the BofA then gets transferred to Barclays for another 2.99 BT offer they mail me on a weekly basis.
CSR.........11,900.......Delta Amex $11,200.........Marriott Rewards Premier $8000.......Discover IT $9700......Citi Preferred $8600.......Chase Freedom $10,800.....Barclay(apple) $11,600......BofA $1500.......Capital One $7400......FNO $7200........Barclay(Hawaiian airlines)$11,000......Citi Costco $15,000. June 1st 2013 0 credit cards and 575 fico. Today 114K in credit and 784 fico and ZERO INQUIRIES......ZERO.
Message 17 of 24
Super Contributor

Re: Carrying a Balance on Barclays

I carry a balance on my card it came with 0% for 12 months and 10,000 points

I put tires on my vehicle. Got the card in late December purchased tires in February last payment will be this month and I'll probably finance something else I want for the next 3-8 months. LisaJ I will get back to you in 3 months to see if they auto CLI

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 18 of 24
Frequent Contributor

Re: Carrying a Balance on Barclays


sassymomof2 wrote:

phillyguy12 wrote:

i got barclays rewards master, coming up on the faithful 6 months i've been running 600 a month on avg threw it and pif or carry a small bal like 200 over to the next month, i only have 1300 limit but haven't had any real issues thus far, only thing i ran into is their payment policy, i ran a lot threw it one month and needed to make multiple payments to avoid hitting the limit and found out you have to space payments out 2 weeks other wise they hold funds for 7 days. i have heard as i am sure you have too they are app sensitive i only had 1 app since i got it and haven't had any issues



I have not experienced that.  I can make a payment every couple of days and it doesn't get held.  I made $900 in payments last statement cycle.  It may take up to two days to reflect online.

 

 

what i ran into in my 2nd month was i made 2 payments only 1 or 2 days apart, the payment posted however my ava credit did not reflect the payment for 7 days, i checked on here and found a few posts where this has happened to people, maybe its just newer accounts  and once they know your pattern its a non issue? i have been following the 2 week rule and haven't had any issues i will have to try a shorter period next time and see what happens

 

Amx BCE-15k,Amx Zync-NSPL
Barclay's Mastercard-10.5k
Credit Union Visa-1k
Discover-19k, Khols-2k
Message 19 of 24
Senior Contributor

Re: Carrying a Balance on Barclays

Mine has been maxxed out 10/12 last months LOL! I've made very large payments and have certainly taken advantage of their bt offers!!
I can say, however, that I was denied a cli one time for my balance being high on their card :-/ my other util was around 15%.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 20 of 24