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Super Contributor
CS800
Posts: 6,548
Registered: ‎04-07-2008

Re: Is Barclays Crazy??

My CL is $10K and they still refused to lower my APR. But they ant me to pay a 20.99% APR..seriously??




Valued Contributor
jamesdwi
Posts: 1,435
Registered: ‎09-16-2011

Re: Is Barclays Crazy??

CapOne is my lowest APR (11.9%), and there are no fees to use the checks they even said i could deposit the money in my own account. And they are not treated as a cash-advance no interest if paid before my statement cuts Use them at my favorite grocery store they don't take credit and haven't re-ordered my checks from my checking account in years. Just don't write enough checks and the bank will do bank checks in any amount for free. 

Cards: Chase Southwest 20k & CSP 10k & Amtrak 4.6k, & Freedom 3.3k & Slate 3.3k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & AMEX Hilton Surpass 7.5k & AMEX Zync NPSL, Sams Club Discover 10k, Paypal Extras MC 6k, CapOne 2.5k, CapOne 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Senior Contributor
score_building
Posts: 3,513
Registered: ‎01-10-2008

Re: Is Barclays Crazy??


CS800 wrote:

My CL is $10K and they still refused to lower my APR. But they ant me to pay a 20.99% APR..seriously??


If it is a rewards card I assume you are not all that concerned with the APR, though I too always prefer have the lowest rate available regardless if it is a PIF/ rewards card or not. If though you want one of their lower rate cards a bit better suited to carry an ocassional balance, perhaps check if it can PC to the Ring?

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Is Barclays Crazy??

Yes they are Cray with that offer! :smileyhappy:



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
CK_Charles_Lover
Posts: 248
Registered: ‎09-02-2011

Re: Is Barclays Crazy??

Balance Transfer Check came with my new card (US AIRWAYS) also, but it has 0% interest on balance transfers for first 15 months. Same as the other balance transfers with new account. I called them it counts as a balance transfer not cash. Its 3% fee for first 15 months then 4% after. For this account at least.

Trans Union Fico (Walmart) ,690 Experian Fico (Amex) 686(Opened 3 new accounts this month. In the Garden)


AMEX BCE ($19,500) AMEX PRG -(NPSL), BARCLAYS US AIR PREMIER WORLD ($10,000), BOA CASH REWARD -($6,000), CITI HILTON RESERVE SIGGY-(5,000), WALMART DISCOVER ( $5,800), CITI DIAMOND ($4,700), CITI DIVIDED WORLD ($4,500), AMAZON STORE($5,000), NORDSTROM VISA SIG($5,000), PAYPAL STORE ($4,000) Amex Delta Gold ($2000)
Frequent Contributor
GST2008
Posts: 443
Registered: ‎03-22-2008

Re: Is Barclays Crazy??


CK_Charles_Lover wrote:

Balance Transfer Check came with my new card (US AIRWAYS) also, but it has 0% interest on balance transfers for first 15 months. Same as the other balance transfers with new account. I called them it counts as a balance transfer not cash. Its 3% fee for first 15 months then 4% after. For this account at least.


I received a similar offer with my Carnival MC in June.  It was 0% interest till September of 2013 and the fee was only 2%.  I took them up on that offer and used the check to make a down payment on a piece of forclosed property I plan to rent out :smileyhappy:


Current:
TU (5/14/14): 796 (Inquiries; 8/23/13)
EQ (3/23/14): 791 (Inquiries: 8/23/13)
EX (9/24/13): 780 (Inquiries: 7/2/12; 11/20/12; 7/30/13; 8/23/13)

Goals: No new inquiries for 2014, 800 for all CRs by 12/31/14
Frequent Contributor
Brian_Trying_700
Posts: 446
Registered: ‎09-14-2011

Re: Is Barclays Crazy??

Nice.

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: Is Barclays Crazy??

LOL...

I wonder if I could use one of those 0% checks from Barclay's to buy a car haha.. my credit line is thick enough ;-)

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Super Contributor
CS800
Posts: 6,548
Registered: ‎04-07-2008

Re: Is Barclays Crazy??

I wonder what's the lowest APR anyone has heard of on the Apple VIsa?




Senior Contributor
score_building
Posts: 3,513
Registered: ‎01-10-2008

Re: Is Barclays Crazy??

The current APRs offered on the Apple Visa are listed in the terms:

 

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

22.99%

This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

22.99%

This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

25.24%

This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

Up to 30.24%, based on your creditworthiness.

This APR may be applied to your account if you:

  1. Make a late payment;
  2. Go over your credit limit; or
  3. Make a payment that is returned.

This APR will vary with the market based on the Prime Rate.

How Long Will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR may apply to other balances indefinitely.

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)

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