SM - BT offers galore! - Umm NO!

[Imperfectfuture]

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@JustBPatient wrote:

I get these all the time as well for my Arrival.  For fun I did one just to see what would happen.  My thought is if they were to take any type of AA against me then fine, you can have your card back.  I just refuse to live in fear of a CCC taking action against me.  Too many fish in the sea, so to speak.  Just my 2cents.

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Agree.  It's no fun to have a card if you are going to be afraid of it.

[Anonymous]

NOT! Too many have contributed situations with BTs leading to bad things with Barclays. The other thing is getting 0% on BT but you fall out of the grace period and get stuck for high rate purchases Apr. May be stupid but I am not dumb.

[ddemari]

Barclays hasn't sent me any B/T checks in a long time but even still, they are one lender who I would not B/T with. Like others have said, it doesnt take much for the barclay sensors to get start ringing. 

[Imperfectfuture]

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@Spider15 wrote:
NOT! Too many have contributed situations with BTs leading to bad things with Barclays. The other thing is getting 0% on BT but you fall out of the grace period and get stuck for high rate purchases Apr. May be stupid but I am not dumb.

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Barclays doesn't treat balance transfers the same way as chase and other banks.  I have bt's on both cards.  I still get grace periods.  Asked how that would work, because most cards from barclays do not have 0% promo purchase apr when cold app, but do have BT offers.  They keep purchase and balance transfer categories separate.  They even have different time frames on statement.  So, they get a little money from moi, since I usually PIF before statement cuts.

[sillykitty1]

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@Imperfectfuture wrote:

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@Spider15 wrote:
NOT! Too many have contributed situations with BTs leading to bad things with Barclays. The other thing is getting 0% on BT but you fall out of the grace period and get stuck for high rate purchases Apr. May be stupid but I am not dumb.

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Barclays doesn't treat balance transfers the same way as chase and other banks.  I have bt's on both cards.  I still get grace periods.  Asked how that would work, because most cards from barclays do not have 0% promo purchase apr when cold app, but do have BT offers.  They keep purchase and balance transfer categories separate.  They even have different time frames on statement.  So, they get a little money from moi, since I usually PIF before statement cuts.

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That's great info!

It has bothered me that I thought I wouldn't be able to use the 5,000 miles for $500 spend offer that I got on the Aviator.  I'm going to finish my Xmas shopping with that card now!

[Imperfectfuture]

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@sillykitty1 wrote:

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@Imperfectfuture wrote:

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@Spider15 wrote:
NOT! Too many have contributed situations with BTs leading to bad things with Barclays. The other thing is getting 0% on BT but you fall out of the grace period and get stuck for high rate purchases Apr. May be stupid but I am not dumb.

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Barclays doesn't treat balance transfers the same way as chase and other banks.  I have bt's on both cards.  I still get grace periods.  Asked how that would work, because most cards from barclays do not have 0% promo purchase apr when cold app, but do have BT offers.  They keep purchase and balance transfer categories separate.  They even have different time frames on statement.  So, they get a little money from moi, since I usually PIF before statement cuts.

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That's great info!

It has bothered me that I thought I wouldn't be able to use the 5,000 miles for $500 spend offer that I got on the Aviator.  I'm going to finish my Xmas shopping with that card now!

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Yep, took advantage of the 1% BT checks at 1k, and took the offer of 5k miles for 1k spend.  So doing both right now, with usual grace period.  This why I am not sure about the fear here.  Accounts still intact.

[Anonymous]

I get these, and the balance transfer checks in the mail, all the time for both my Barclays cards. I'm using one of the checks on my NFL card right now.

[Anonymous]

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@Imperfectfuture wrote:

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@Spider15 wrote:
NOT! Too many have contributed situations with BTs leading to bad things with Barclays. The other thing is getting 0% on BT but you fall out of the grace period and get stuck for high rate purchases Apr. May be stupid but I am not dumb.

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Barclays doesn't treat balance transfers the same way as chase and other banks.  I have bt's on both cards.  I still get grace periods.  Asked how that would work, because most cards from barclays do not have 0% promo purchase apr when cold app, but do have BT offers.  They keep purchase and balance transfer categories separate.  They even have different time frames on statement.  So, they get a little money from moi, since I usually PIF before statement cuts.

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Interesting ... I called a customer representative and they said I would get hit for the purchases Apr after the grace period but when I read the printed offer info it said what you have found to be true. Very interesting.