topic BarclayCard with a 0% balance transfer APR in Credit Cards

BarclayCard with a 0% balance transfer APR

bustinloose82 — Sat, 19 Aug 2017 10:32:33 GMT

I currently have a BarclayCard from an Apple purchase several years ago. I use it regularly, but it's currently at 90% of its $3,190 limit. I currently have a TU score of 722 (complete picture of score reasoning below). I have a total of 11 credit cards right now. Do you think I should apply for a 0% card with Barclay? What are my chances? My EQ score is 684 and my EXP is 691. I've brough my utilization from 90% down to 40's% in the last six months. I'd really be looking to BT about $6,000 if I do get approved for a new Barclay.

Re: BarclayCard with a 0% balance transfer APR

bustinloose82 — Sat, 19 Aug 2017 10:57:43 GMT

Aaaaaaaaaa! I just got approved. Thank you TU and BC.

Re: BarclayCard with a 0% balance transfer APR

Appleman — Sat, 19 Aug 2017 11:16:07 GMT

Do not BT 100% of your credit line!

1. It will likely spook Barclay

2. It will crush your score. Anything over 90% is considered maxxed.

Try to keep that utilization below 30% of the new card - $1,800. At least that would be my suggestion.

Re: BarclayCard with a 0% balance transfer APR

bustinloose82 — Sat, 19 Aug 2017 11:20:21 GMT

@Appleman wrote:
Do not BT 100% of your credit line!

1. It will likely spook Barclay
2. It will crush your score. Anything over 90% is considered maxxed.

Try to keep that utilization below 30% of the new card - $1,800. At least that would be my suggestion.

Thanks Appleman. Yes, I'm only transferring my high interest AMEX Delta card, which is only $1,400. I couldn't transfer my BC Apple card to this one as BC doesn't allow BC to BC transfers. Question, could I call BC analyst and ask them to use my approval for this card to see if my current account can receive a CLI? I've not asked for a CLI in over a year with BC because of the HP. Would they be able to use the pull from this approval?

Re: BarclayCard with a 0% balance transfer APR

trant3 — Sat, 19 Aug 2017 14:54:05 GMT

Cowboys!! Murica's team!

Re: BarclayCard with a 0% balance transfer APR

UncleB — Sat, 19 Aug 2017 16:20:05 GMT

This thread is locked and closed to new messages.

The new thread can be found here: http://ficoforums.myfico.com/t5/Credit-Card-Approvals/BarclayCard-NFL-Extra-Points/td-p/5027588