topic Re: Barclay annoyance in Credit Cards

Barclay annoyance

Anonymous — Mon, 11 Apr 2016 17:53:16 GMT

I've had my Barclay Rewards card for a year. They recently randomly gave me a cli. Scores are Tu 718 Ex 713 EQ 707, AAOA 2 years, no baddies. Always on time payments. I got the card with a 648 TU score last year.

Called today for an APR reduction, and was told account wasn't eligible! I can't understand why. There is a zero balance. Sometimes I leave a balance, most of the time I PIF.

I called 6 of my cards today, and received a APR reduction on all of them.

I know it shouldn't bother me because I usually keep a 0 balance, but I guess it's the principal. I've really cleaned up my reports, so im bummed. ☹️

Re: Barclay annoyance

KSK1912 — Mon, 11 Apr 2016 19:39:27 GMT

Welcome to Barclay's world. Lucky you got a cli. I have both apple ($2000) and Rewards MC ($1500) and i did run about $12K thru apple in 3 months and almost $10K thru rewards mc in less than 3 months and always paid off, still using heavily, but no cli. They say i have enough limit??

Re: Barclay annoyance

Anonymous — Mon, 11 Apr 2016 19:42:52 GMT

They gave me the cli when the card was 7 months. I was surprised, because I didn't ask for it. I had 1,300 sl and it's now at 2,700, so not a huge cli, but I will take it. You should get one in a few months, and with that spend hopefully will be a big increase. 😊

Re: Barclay annoyance

Anonymous — Mon, 11 Apr 2016 19:47:00 GMT

I've had both my Barclays cards for over a year, and no CLIs for me. I don't think they like my profile. Discover, on the other hand, loves me.

Re: Barclay annoyance

KSK1912 — Mon, 11 Apr 2016 20:13:35 GMT

@Anonymous wrote:
I've had both my Barclays cards for over a year, and no CLIs for me. I don't think they like my profile. Discover, on the other hand, loves me.

They don't like me either Captool. So i decided to pay them off, close my Rewards MC and combine the limit with Apple, have a $3500 limit card, and throw it in the SD, charge $10 a month and pay it off. I got better cards in the last 7 months, so i will not beg for them anything anymore.

Re: Barclay annoyance

Anonymous — Mon, 11 Apr 2016 20:22:07 GMT

@Anonymous wrote:
I've had both my Barclays cards for over a year, and no CLIs for me. I don't think they like my profile. Discover, on the other hand, loves me.

Yes, they do!

Re: Barclay annoyance

Anonymous — Mon, 11 Apr 2016 20:41:48 GMT

Not only did discover lower the APR but I got another cli, I decided that I will put my phone bill on discover and take it off Barclay. I would rather put more spend on cards who appreciate me. Hahaha

Re: Barclay annoyance

SouthJamaica — Mon, 11 Apr 2016 21:02:11 GMT

@Anonymous wrote:
I've had my Barclay Rewards card for a year. They recently randomly gave me a cli. Scores are Tu 718 Ex 713 EQ 707, AAOA 2 years, no baddies. Always on time payments. I got the card with a 648 TU score last year.

Called today for an APR reduction, and was told account wasn't eligible! I can't understand why. There is a zero balance. Sometimes I leave a balance, most of the time I PIF.

I called 6 of my cards today, and received a APR reduction on all of them.

I know it shouldn't bother me because I usually keep a 0 balance, but I guess it's the principal. I've really cleaned up my reports, so im bummed. ☹️

You just got the wrong person. Barclays Reward card does that all the time. When I tried it, they lowered me about 4%, and gave me a promotional 0% rate for a year or so.

Call again, and ask if you're eligible for an interest rate reduction; they're supposed to switch you to a credit analyst. Many people report great experiences with this at Barclay, and many get soft pull CLI's too.

Re: Barclay annoyance

Anonymous — Mon, 11 Apr 2016 21:08:49 GMT

They did switch me, and the analyst told me the same thing. She said all they can do is push a button, it tells them if account is eligible or not. She said she wished the computer would give a reason. They said to call back next month. Don't have a clue as to why it would change.

Re: Barclay annoyance

taxi818 — Tue, 12 Apr 2016 00:26:33 GMT

@Anonymous wrote:
I've had my Barclay Rewards card for a year. They recently randomly gave me a cli. Scores are Tu 718 Ex 713 EQ 707, AAOA 2 years, no baddies. Always on time payments. I got the card with a 648 TU score last year.

Called today for an APR reduction, and was told account wasn't eligible! I can't understand why. There is a zero balance. Sometimes I leave a balance, most of the time I PIF.

I called 6 of my cards today, and received a APR reduction on all of them.

I know it shouldn't bother me because I usually keep a 0 balance, but I guess it's the principal. I've really cleaned up my reports, so im bummed. ☹️
Ok kayvala long time no hear. So because you cleaned up things you think a year is a long time in the credit world? sure some will give you reductions but that is not based on your cleaning up your report. Time is golden. if you stop looking short term then you will get all you want. patience is the key.No need to get bothered upset or anything else. You have been here long enough to know nothing is personal when it comes to credit. neither is apr reductions credit limit increases or anything else. Strictly business. On their part and should be on your part too. good luck.

Re: Barclay annoyance

Anonymous — Tue, 12 Apr 2016 01:06:14 GMT

Hey Taxi, haven't seen you posting lately. Hope all is well.

I know, but Barclay seemed to be the only one who didn't decrease it, I called when my account was 6 months to reduce it, and was told to call back when it hits a year. I know things take time, but I thought a year would be sufficient. 😜

Re: Barclay annoyance

taxi818 — Tue, 12 Apr 2016 01:13:07 GMT

All is great. Look at the spade in my siggy. Just been gardening. Will not apply for anything until every single inquiry is off my report. Even just finally got a pre approval letter from boa. And another from fnbo for their Amex. I said no thanks. Kind of nice. Will focus only on what I have. Seeing I have 27 cards.

Re: Barclay annoyance

Anonymous — Tue, 12 Apr 2016 01:21:30 GMT

I got those 2 in sept and oct, great cards so far. I have every card I need now, so I'm permanently in the garden. I got my 2 month chip!😂👍🏻