topic Re: Barclay's Air Tran Visa in Credit Cards

Barclay's Air Tran Visa

michaels88369 — Fri, 09 Dec 2011 04:52:20 GMT

Too start off I applied and received this card back in March of this year, and was denied. Called back door number and was approved for $4500 with TU score around 676. I did an balance transfer with them over the phone(csr wanted me to do it) and I transferred all my other balances to this card equaling out to $4000. My 0% promo is about to expire now. But my question is that since ive only been making $200 a month towards balance will this look bad on my for keeping such a high utl on this card with them? I don't want them to get the impression I'm hard up for money since I haven't paid it off so fast. I would like to stay on their good side LOL. I got the balance down to $3000 but had to make unexpected trip to Chicago last month and I flew Air Tran for the rewards. Now I'm back up to 4000 again. I hope I haven't done wrong in their eyes and they do a cld on me. What is everyone's opinion?

Re: Barclay's Air Tran Visa

michaels88369 — Fri, 09 Dec 2011 05:45:08 GMT

Forgot to mention, card will be PIF next month with income taxes. Will they do cld or close the account after its paid?

Re: Barclay's Air Tran Visa

learnin113 — Fri, 09 Dec 2011 15:49:49 GMT

LOL, how much can they really CLD you if your limit is 4500 and you're at 4000

Short answer, no one reallly knows what Barclays will do.

Re: Barclay's Air Tran Visa

Anonymous — Fri, 09 Dec 2011 16:39:41 GMT

this maybe not hear or there but isnt this card going away since Air Tran will be going away??

Re: Barclay's Air Tran Visa

CreditMuppet — Fri, 09 Dec 2011 17:00:37 GMT

@Anonymous wrote:
this maybe not hear or there but isnt this card going away since Air Tran will be going away??

Airtran was aquired by Southwest. Southwest will rebrand Airtran Southwest and Airtran will not exist by the end of next year. My guess is they will either close The Airtran barclay's accounts or PC them to a Southwest product.

Re: Barclay's Air Tran Visa

Anonymous — Fri, 09 Dec 2011 17:09:13 GMT

@CreditMuppet wrote:
@Anonymous wrote:
this maybe not hear or there but isnt this card going away since Air Tran will be going away??
Airtran was aquired by Southwest. Southwest will rebrand Airtran Southwest and Airtran will not exist by the end of next year. My guess is they will either close The Airtran barclay's accounts or PC them to a Southwest product.

Which is Chase right?

Re: Barclay's Air Tran Visa

CreditMuppet — Fri, 09 Dec 2011 17:14:24 GMT

@Anonymous wrote:
@CreditMuppet wrote:
@Anonymous wrote:
this maybe not hear or there but isnt this card going away since Air Tran will be going away??
Airtran was aquired by Southwest. Southwest will rebrand Airtran Southwest and Airtran will not exist by the end of next year. My guess is they will either close The Airtran barclay's accounts or PC them to a Southwest product.
Which is Chase right?

Correct. Its possible that Chase will start to service those Barclay's accounts at some point, its really not clear how that will be handled.

Re: Barclay's Air Tran Visa

Anonymous — Fri, 09 Dec 2011 17:21:38 GMT

i Was Thinking The Same Thing. Airtran Is Going Away, Barclay Doesn't Issue The Southwest Card, So It Will Either Close or PC, But If It Stays Open, I Doubt Barclay Will Close Or Decrease The Line Just Because You've Carried A Balance.

Besides If The Balance Is Zero After You PIF With Tax Refund, And Barclay Decreases The Line, Then You'll Just Have A Lower Limit Or You'll Sock Drawer It, And Move On.

Re: Barclay's Air Tran Visa

michaels88369 — Fri, 09 Dec 2011 18:21:12 GMT

I wonder if Barclasy's will let me PC to a different branded card they have. Maybe i should call and see what they say.

Re: Barclay's Air Tran Visa

Ortz33__ — Fri, 09 Dec 2011 18:22:57 GMT

When the NFL moved over to Barclay/Juniper for their credit card you were required to reapply. Just adding my input. think that same contract expires in 4-5 years again.

Re: Barclay's Air Tran Visa

mAndrew1980 — Fri, 09 Dec 2011 18:52:20 GMT

I just got a Barclay card last week (Apple) and ran a search on it on MyFico. One thread from Dec 2010 popped up in which several Barclays Apple card holders reported CLD or the account being closed altogether. Most of them reported seeking additional credit (opening new accounts) as the reason -- BUT the OP mentioned too high of a balance. To me, I just don't understand that. Why give a CL if when people spent up to that amount, you go ahead and close it?

Regardless, I'm not sure if Barclay's monitors Air Tran Visa like they do Apple. But from what I read on here, they specifically monitor all new card holders for the first 6 months after activation and look for new inq's, new accounts, and even high balances.

It really stinks because I have a 2000CL and was hoping to put a winter trip on it and pay off about 75% of it immediately. It looks like I can't do that with risking them closing my account.

Re: Barclay's Air Tran Visa

michaels88369 — Fri, 09 Dec 2011 19:12:50 GMT

See that's the thing with Barclay's, they never even looked at any of my reports at all since ive had the card. Not even a soft on any reports. I also called them a few minutes ago and they told me that southwest will most likely transfer the accounts to a southwest card. Hopefully they do this because this CL of $4500 is my highest I have.

Re: Barclay's Air Tran Visa

Ortz33__ — Fri, 09 Dec 2011 19:14:39 GMT

The whole issue of Barclay CLD/closing accounts was totally blown out of proportion on here back then... If you are missing payments and they show up on your credit reports, that's a different thing.

Re: Barclay's Air Tran Visa

michaels88369 — Fri, 09 Dec 2011 19:17:49 GMT

Ive always made my card payments on time and always more than the minimum. Just dont want them to cld me after i pay off the balance next month because ive had high utl on it for 7 months.

Re: Barclay's Air Tran Visa

Ortz33__ — Fri, 09 Dec 2011 19:20:29 GMT

ya just saying..i wouldn't be surprised if a that small amount of people who were CLD did miss payments. I mean, we are on a forum of avid credit card users, we don't represent the general population. Think about all of those WHO DO NOT visit this site and have the card. We are probably like less than 5% of their business,

Re: Barclay's Air Tran Visa

michaels88369 — Fri, 09 Dec 2011 19:23:43 GMT

That's exactly right. I hope they do transfer my card over to Southwest because I would hate to lose the 2 free flights ive already earned and I definitely don't want to lose my highest limit card.

Re: Barclay's Air Tran Visa

Ortz33__ — Fri, 09 Dec 2011 19:25:51 GMT

if i were you i would try for nationwide visa. heard they p ull TU only and you are in their range.

Re: Barclay's Air Tran Visa

michaels88369 — Fri, 09 Dec 2011 19:31:18 GMT

I would love to but I'm not in that score range anymore, had an old hospital bill show on all 3 reports and with the high utl my TU score is now 615. Ive worked out a PFD on the bill and it will come off next month and my balances on my cards will be paid off as well next month so maybe ill be back up to 676 or maybe even higher.

Re: Barclay's Air Tran Visa

Anonymous — Fri, 09 Dec 2011 19:35:23 GMT

@Ortz33__ wrote:
The whole issue of Barclay CLD/closing accounts was totally blown out of proportion on here back then... If you are missing payments and they show up on your credit reports, that's a different thing.

Reading this thread http://ficoforums.myfico.com/t5/Credit-Cards/Barclay-IS-Watching/td-p/977044/page/2

It looks like they mainly do it when yo open too many new accounts and you are have more credit than you can really pay off, atleast thats what I got out of it

Re: Barclay's Air Tran Visa

Ortz33__ — Fri, 09 Dec 2011 19:40:58 GMT

But how could they really tell? THey don't know if that person got married or now have a dual income or major bonus, or came across money and want to now build more relationships to grow their credit profile. Or if there was a major life emergency and that person wanted to finance it, etc. That shouldn't be their decision to illustrate. Generally when someone takes on too much debt they are missing payments. Not opening new accounts. I opened up a few accounts after getting a Barclay card in October and they are better than Barclay (Discover, etc.) so if they want to close me let them