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Senior Contributor
jsucool76
Posts: 3,254
Registered: ‎12-11-2011
0

Re: ONE MORE APP RING


Tommy5746 wrote:

jsucool76 wrote:

rootpooty wrote:
I don't know about that. To my knowledge the ring is a no rewards low apr cc

ring.png

 

That's what it says on the site 


So, basically... If Barclay does good in the market and you have the ring card, they give you back a small portion of what they've earned? I'm a little confused!


No, it says in the T&Cs that their actual profits don't matter, they estimate what their profits are going to be or something, no clue really. ...I really don't understand it :smileytongue: Hoping a current cardholder can explain :smileytongue: 

Regular Contributor
Tommy5746
Posts: 440
Registered: ‎02-08-2012
0

Re: ONE MORE APP RING


jsucool76 wrote:

Tommy5746 wrote:

jsucool76 wrote:

rootpooty wrote:
I don't know about that. To my knowledge the ring is a no rewards low apr cc

ring.png

 

That's what it says on the site 


So, basically... If Barclay does good in the market and you have the ring card, they give you back a small portion of what they've earned? I'm a little confused!


No, it says in the T&Cs that their actual profits don't matter, they estimate what their profits are going to be or something, no clue really. ...I really don't understand it :smileytongue: Hoping a current cardholder can explain :smileytongue: 


Oooohhhh.. Well, if thats the case then thats even better! Hopefully a card holder can clear this up for us.. im interested in learning more about this card!

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit :smileyhappy:
Valued Member
Snoopy7
Posts: 47
Registered: ‎03-08-2012
0

Re: ONE MORE APP RING

"Ohh boy i really need to stop!!!!"...............ROTFL, I'm in the same position.  I was just approved for AMEX, CHASE, WALMART and BELK (Both are GE Cards).  Now that my app spree was successful, I want to app for the Lexus Financial Credit Card to earn points when I have my car serviced.  Now I have a delimma, in total I have CAP 1 CC my CU CC and the four listed above.  I'm not sure if apping for one more is pushing it.  Spoke with Rep at Lexus and they have the option to RECON if denied.  Any thoughts?  My CU just released the funds from my secured CC and made the limit $2k.

Regular Contributor
Tommy5746
Posts: 440
Registered: ‎02-08-2012
0

Re: ONE MORE APP RING


Snoopy7 wrote:

"Ohh boy i really need to stop!!!!"...............ROTFL, I'm in the same position.  I was just approved for AMEX, CHASE, WALMART and BELK (Both are GE Cards).  Now that my app spree was successful, I want to app for the Lexus Financial Credit Card to earn points when I have my car serviced.  Now I have a delimma, in total I have CAP 1 CC my CU CC and the four listed above.  I'm not sure if apping for one more is pushing it.  Spoke with Rep at Lexus and they have the option to RECON if denied.  Any thoughts?  My CU just released the funds from my secured CC and made the limit $2k.


Youre probably pushing it.. not so much because of the credit cards you have, but because of the recent inq's and credit cards themselves which are going to temp drop your score.. i would garden for about 6 months and then app... with the new cards reporting your credit should bounce back in 6 months

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit :smileyhappy:
Regular Contributor
RHAL
Posts: 139
Registered: ‎12-11-2010
0

Re: ONE MORE APP RING

Ya, i should have stopped with just chase. The ring card gives cash kickbacks to each cardmember depending on how much that cardmember participates in the ring community. Like enrolling in paper statements, and referring new cardmembers. I have no idea how much peeps actually get back yet.
My wallet? AMEX PR Gold NPSL, AMEX HH 1k, Citi Hilton Reserve VS, CSP 9.2k, Chase Freedom 6.7k, Chase Sapphire 5.2k, USAA AMEX 2k, Cap 1 Cash 1.2k, BBRZ MC 500, Barclaycard Apple 1.5k, Barclay Ring 4.5k, Bank Americard 123 5.5k, NFCU Cash 14k

Starting Score: (9/27/10)TU:602 EQ:567
Current Score: TU:670 EQ:670 EX: 706 chase pull
Goal Score: TU:700 EQ:700


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My wallet? AMEX PR Gold, Citi Hilton Gold, Cap 1 Cash, BBRZ MC, Barclaycard Apple, Bank Americard Cash
Senior Contributor
jsucool76
Posts: 3,254
Registered: ‎12-11-2011
0

Re: ONE MORE APP RING

[ Edited ]

Eh, even if you only get a little bit back, for a low APR card with no AF it's a good deal. Especially only $1 for cash advances, lol. 

 

 

Edit: No one should take that to mean that taking a cash advance is a good idea lol

Regular Contributor
RHAL
Posts: 139
Registered: ‎12-11-2010
0

Re: ONE MORE APP RING

The cash advance apr is only 8 too :smileywink:
My wallet? AMEX PR Gold NPSL, AMEX HH 1k, Citi Hilton Reserve VS, CSP 9.2k, Chase Freedom 6.7k, Chase Sapphire 5.2k, USAA AMEX 2k, Cap 1 Cash 1.2k, BBRZ MC 500, Barclaycard Apple 1.5k, Barclay Ring 4.5k, Bank Americard 123 5.5k, NFCU Cash 14k

Starting Score: (9/27/10)TU:602 EQ:567
Current Score: TU:670 EQ:670 EX: 706 chase pull
Goal Score: TU:700 EQ:700


Take the FICO Fitness Challenge

My wallet? AMEX PR Gold, Citi Hilton Gold, Cap 1 Cash, BBRZ MC, Barclaycard Apple, Bank Americard Cash

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