Reply
Valued Contributor
RyVision
Posts: 1,346
Registered: ‎04-15-2011
0

Left the garden as well, but for the NFL!

 

Not long ago I joined the garden thread, partly because reading it helped me get over MISSING the Barclays NFL $400 offer while mulling it over. 

 

I picked up my silver spade thinking it wasn't long before I'd be upgrading to the Gold...  Since I was looking at TE most likely as my next card unless something came along that was too good to pass up. ...    Well, it did, a second time around no less. 

 

I spotted the info about the Barclays NFL $400 coming up again and checked into it rather well, mulled it over for a day and decided "why not, I don't have that many INQs to worry about really" and applied.  Denied on screen, called and after a brief conversation was approved for 5k (on what I thought was a Signature but turns out it's actually a MC World flexible spend).

 

TU Score (as reported by them on the invalid denial letter) was 698

No "baddies" of any kind (spotless history).

4 INQs on TU in the last 2 years (2 in last year)  It seems the Barclays HP hit me twice bringing the number up to 6, not sure why.

High UTIL  about 70% (a lot of 0% as I told the rep as well as some that just fluctuates).

About 18 accounts, I think 3 of which are "store" not CC accts.

About 4.6 AAoA,

Oldest account about 23 years.


I checked the T&C and the 40,000 points is on my account page under that for "first purchase bonus"  and $1000 spend in 90 days.   So I feel the bonus was definitely worth the HP and new account (it only brings my AAoA down by about 3 months).

 

I don't know the interest rate yet but I'm sure it's on the higher end due to my reported UTIL.


As for which team (I Know it will be asked LOL),  it's the only NFL team that's community-owned and non-profit. It was also said to be the best to try for :smileylol:

 

More important than team, is $400 and it's my first "World MasterCard" and I'm not sure yet how that really compares to VISA Signature, though I do know it reports a limit on CKs TU and EX  but not yet so far showing on FICO...

 

And now I'm back in the garden watching others while working on my Gold Spade, who know, maybe platinum at this point, but with a new Barclays, I'm sure at least Gold :smileylol:

Valued Contributor
Epcot
Posts: 2,784
Registered: ‎10-10-2012
0

Re: Left the garden as well, but for the NFL!

Congrats on the approval! Especially with that util. See you in the Garden. :smileyhappy:

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Left the garden as well, but for the NFL!

Congrats

Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
0

Re: Left the garden as well, but for the NFL!

You would have had a higher limit if you had opted for the Redskins CC (if offered). It would have looked better in your wallet too.

Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

Re: Left the garden as well, but for the NFL!

Congrats!


llecs wrote:

You would have had a higher limit if you had opted for the Redskins CC (if offered). It would have looked better in your wallet too.


I heard if you get the Redskins card your $400 credit goes to Dan Snyder to help pay for all the terrible contracts.

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor
mxp114
Posts: 1,359
Registered: ‎09-01-2011
0

Re: Left the garden as well, but for the NFL!


RyVision wrote:

 

More important than team, is $400 and it's my first "World MasterCard" and I'm not sure yet how that really compares to VISA Signature, though I do know it reports a limit on CKs TU and EX  but not yet so far showing on FICO...

 



You probably got the Packers Platinum MasterCard, the World is $5k+. Congrats on the approval!

Valued Contributor
RyVision
Posts: 1,346
Registered: ‎04-15-2011
0

Re: Left the garden as well, but for the NFL!

[ Edited ]

mxp114 wrote:

RyVision wrote:

 

More important than team, is $400 and it's my first "World MasterCard" and I'm not sure yet how that really compares to VISA Signature, though I do know it reports a limit on CKs TU and EX  but not yet so far showing on FICO...

 



You probably got the Packers Platinum MasterCard, the World is $5k+. Congrats on the approval!


Not sure other than the picture of the card on the account page says "WORLD" on the card image and on the reports they list it as a "Flexible Spending Account", and yes it is a GBP  :smileyvery-happy:

 

Actually, looking around the site, not paying much attention as I was in between projects, I clicked on something that took me to a description of the perks of MasterCards World Card, the other options I could look at on that page were "standard, gold, platinum and elite"...    Eh, doesn't really matter, 5k is 5k and $400 is $400 :smileylol:

 

Maybe I'll find out for sure when it finally arrives :smileyvery-happy:

 

Thanks for the all the congrats too everyone :smileyhappy:

 

Here's a copy of the image that I guess is for my card btw:

BARCLAYS CARD PICTUREcrop.jpg

LOL so I get another Kermit (I like green anyway so I guess it works out LOL).

 

[EDIT]: Obviously that is not my card info but just a representation of the type of card account I have.

Valued Contributor
mxp114
Posts: 1,359
Registered: ‎09-01-2011
0

Re: Left the garden as well, but for the NFL!

Congrats and hope it is World, but I think they require $5k. Can you pm me the benefits of the Elite version? I've been thinking of getting the NYG card for the various offers.Is there a web site that lists all of the rewards? I saw a sampling on the app info site but curious about more NFL offers. Thanks.

Established Contributor
searchingfor67
Posts: 668
Registered: ‎08-02-2011
0

Re: Left the garden as well, but for the NFL!

Congrats on your approval!

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCP $13K | Amex Costco TE $10.4K | Amex SPG $10.1K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Discover IT $9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU Flagship Visa Signature $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $10K | USAA World MC $9K
Valued Contributor
RyVision
Posts: 1,346
Registered: ‎04-15-2011
0

Re: Left the garden as well, but for the NFL!


mxp114 wrote:

Congrats and hope it is World, but I think they require $5k. Can you pm me the benefits of the Elite version? I've been thinking of getting the NYG card for the various offers.Is there a web site that lists all of the rewards? I saw a sampling on the app info site but curious about more NFL offers. Thanks.


I don't know if this was the same thing you say you saw or gives you more info, I hope this gives you more info on the Elite.  It's where the info for "World" took me somehow.   http://www.mastercard.us/credit-card-world-elite.html


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+