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Is Barclays Crazy??

Super Contributor

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

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 & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Senior Contributor

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?

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Mega Contributor

Re: Is Barclays Crazy??

Yes they are Cray with that offer! Smiley Happy



EQ FICO 548 3/3/16
Regular Contributor

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

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 Smiley Happy


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

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

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| 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
Super Contributor

Re: Is Barclays Crazy??

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




Highlighted
Senior Contributor

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.

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover