Goodbye, Barclays

[Ghoshida]

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@Anonymous wrote:

Yep I've been following that thread and that's why I've called in a few times.

I have a feeling Barclaycard just labels me an aggressive credit seeker despite my excellent history so far with them.

Their underwriting guidlines don't like me, I don't like them. We have a mutual agreement to stay away from each other now. lol

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And if this was about the Arrival card, it's not a big loss !

[Anonymous]

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@Ghoshida wrote:

That is a sad story.

Which is weird because I've found on 2/2 occasions that if I called Barclays to request an APR reduction, they'd transfer me to an account specialist who helped me with APR reduction as well as SP CLI; I did it twice last year, 7 months apart, and got a 4% reduction each time (started at 20.99%) and a total of $6k CLI. 

My last round was in October; it's always possible that they've become stricter since then. http://ficoforums.myfico.com/t5/Credit-Card-Applications/The-BarclayCard-CLI-Soft-Pull-thread/td-p/3... has some updates.

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I've had the same good experience as you have had and my last was a month ago so I don't think that they've changed anything.

[Closingracer99]

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@willwar14 wrote:

My mom has a 830 TU FICO and her Arrival+ still sits at the max APR of 20.24%, and I agree Barclay's CSRs can be pretty rude...

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Eh the few times I called their reps they were pretty nice to me. Their cards are quite lacking though in rewards.

[ddemari]

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@Anonymous wrote:

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@Ghoshida wrote:

That is a sad story.

Which is weird because I've found on 2/2 occasions that if I called Barclays to request an APR reduction, they'd transfer me to an account specialist who helped me with APR reduction as well as SP CLI; I did it twice last year, 7 months apart, and got a 4% reduction each time (started at 20.99%) and a total of $6k CLI. 

My last round was in October; it's always possible that they've become stricter since then. http://ficoforums.myfico.com/t5/Credit-Card-Applications/The-BarclayCard-CLI-Soft-Pull-thread/td-p/3854097 has some updates.

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I've had the same good experience as you have had and my last was a month ago so I don't think that they've changed anything.

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Sometimes there is just no rhyme or reason to it, even though im sure there is lol. But circa 2014, I actually got a letter from Barclay cards that was like making me blush about how my superior payment and credit performance has earned me an unsoliciated CLI. Ever since then they havnet done anything for me, but if I didnt have so many cards and used theres all the time, then maybe they would show me some more. That's why I get a little lost on how i feel about the banks. I am doing the right things, but just not enough of it to warrant them to give me reductions or limit increases without having to jump hoops, close out the card or give up. 

Sorry for the rant OP, I have a love/hate with barclays for sure. 

[Anonymous]

They generally aren't tolerant of card hoarders so it's not too surprising.  Chase is basically the same way, except a lot less free with CLIs.  

I can only think of the Ring as a card I would want, but even that's not on my list. 

[Anonymous]

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@willwar14 wrote:

My mom has a 830 TU FICO and her Arrival+ still sits at the max APR of 20.24%, and I agree Barclay's CSRs can be pretty rude...

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How old is the account? When and how has she tried to get an APR reduction?

I was easily able to get an APR reduction as well as 6 months at 0% (I was really calling to fish for a rewards promo) when my TU FICO was 100 points lower than hers.

[Callandra]

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@Closingracer99 wrote:

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@willwar14 wrote:

My mom has a 830 TU FICO and her Arrival+ still sits at the max APR of 20.24%, and I agree Barclay's CSRs can be pretty rude...

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Eh the few times I called their reps they were pretty nice to me. 

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Same here, I've never had a problem with the reps and I've called a few times (but I'm not a big caller). 

Barclays isn't big on retentions; maybe if you were some huge corporate client running 6+ figures through your card a month, maybe but otherwise, no. 

[Anonymous]

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@Anonymous wrote:

So, I was getting some Credit Solutions luv from Synchrony earlier today, and I decided to give Barclaycard a ring (no pun intended).

I got connected with a rep and I immediately knew she wasn't going to be helpful from her tone. I politely asked about APR reduction offers on my account, and after a few seconds of pulling up my account, she said I have the lowest currently available APR for my account (24.24% APR or something ridiculous like that). I said, OK, can you please transfer me to your retentions department? She said she had to check on that and put me on hold.

After a few minutes on hold, she came back on and said that would not be possible... her tone becoming ruder and more apethetic by the minute. Being fully paid off and not needing the card at all, I asked to close my account immediately. Now at the peak of her indifference, I confirmed the last four of the account I wanted to close and it was done.

I then asked to be connected to her supervisor where I filed a formal complaint against the rep for the poor customer service - the worst I've EVER received from any card company, actually - and stated how disappointed I am in this card that has not grown at all, has wasted two HP's trying to get CLI's up from $5K when my TU FICO has been stellar, and is stuck at an APR rate 50% higher than most of my other cards. Fortunately the supervisor was very cordial and apologized for the treatment and lack of explanation by the rep, and stated her regret in losing me as a customer.

Good riddance, Barclays Bank.

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Barclaycard US: Bad CS

Barclay's US (online savings): Bad CS

Barclay's WM (no longer available): Bad CS

Dude, something is wrong with Barclay's US' customer service.

[mitchblue]

I guess I've been fortunate then. Good CS with Barclay and everyone else. The rewards card they lowered but still high, but my Sallie Mae is quite low.

[elim]

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@mitchblue wrote:

I guess I've been fortunate then. Good CS with Barclay and everyone else. The rewards card they lowered but still high, but my Sallie Mae is quite low.

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  +1    Only needed them 3 or 4 times but Barclay CSR's have been very pleasant and helpful when I had to deal with them. But, those human CSR's are individuals.

 I could care less about their products at the moment due to needing higher limits and always expecting CLD.