topic Re: Barclays APPLE visa PC? in Credit Cards

Barclays APPLE visa PC?

scorpiostinger07 — Mon, 25 Feb 2013 10:08:17 GMT

I currently have a Barclays Visa that I got Instant approval for on Jan 5th. I purchased the IPAD 4 and im going to pay the balance off on Friday. With the current intrest rate the card will basicly be a PIF card which im ok with. I really want the NFL card and was wondering if I apply and get denied will they allow me to cancel the apple card and transfer the CL over to a new NFL card?

Thanks

Re: Barclays APPLE visa PC?

Anonymous — Mon, 25 Feb 2013 10:26:12 GMT

@scorpiostinger07 wrote:
I currently have a Barclays Visa that I got Instant approval for on Jan 5th. I purchased the IPAD 4 and im going to pay the balance off on Friday. With the current intrest rate the card will basicly be a PIF card which im ok with. I really want the NFL card and was wondering if I apply and get denied will they allow me to cancel the apple card and transfer the CL over to a new NFL card?

Thanks

Generally, you will have no problems.

While they do not usually do straight product changes when it involves a co-branded card, if you take the hit and apply for a new card they will let you close out the old one and shift the credit limit to the new.

Re: Barclays APPLE visa PC?

scorpiostinger07 — Mon, 25 Feb 2013 10:28:21 GMT

Ok cool...Thanks for your help. I guess I will app and see what happends.

Re: Barclays APPLE visa PC?

TiggerDat — Mon, 25 Feb 2013 11:35:12 GMT

I had a strange issue with Barclays. I got the financing card, thinking I was going to buy an Apple and then decided not to. I then asked if I could PC and they said yes and even if you are declined then you can PC. Well I got the 7-10 day message so I called them to recon it. They told me that they would not open the Rewards card and in fact they were going to close the Apple card. I was like, 'what?' They were like, 'Yup! Too many new accounts.' I pointed out that even with the new accounts that I was not abusing them, nor had I even used the Apple card. We went around for a bit as I escalated it up and that person was very much leave me alone and the answer is NO. I demanded to speak with the manager, who was not available because she did not have a headset. I said no problem, simply get her and give her yours. I got put on hold finally and then the lady came back and told me they would open the account but would not give me as high a credit limit as before. They told me I could have $1500 and then gave me $750 and I had to call back about that later to get it to the $1500. So be careful when you try this with Barclays, you might get it it and you might get something you don't expect.

Re: Barclays APPLE visa PC?

scorpiostinger07 — Mon, 25 Feb 2013 11:39:20 GMT

Thats exactly what I'm affraid of. lol

Re: Barclays APPLE visa PC?

scorpiostinger07 — Mon, 25 Feb 2013 11:40:00 GMT

How many new accounts? I have 2 since I got the apple card in Jan.

Re: Barclays APPLE visa PC?

TiggerDat — Mon, 25 Feb 2013 11:49:28 GMT

@scorpiostinger07 wrote:
How many new accounts? I have 2 since I got the apple card in Jan.

I think it was the Walmart, Belks, and Marathon Visa, so 3. I wouldn't have had any issues I think if I had waited 6 months, but others have said they can be a little leery when it comes to new accounts. I tend to app for about 4 each time I go on a spree, so that would be about right. My strategy is to go for the ones I really want and some I know I will get. Eventually I want to start closing down some of the lesser accounts.

Re: Barclays APPLE visa PC?

aussiesareforever — Mon, 25 Feb 2013 14:18:17 GMT

Definitely don't tempt Barclay if you have recent accounts. They will shut you down if you give them a reason to review your credit report

Re: Barclays APPLE visa PC?

TiggerDat — Mon, 25 Feb 2013 14:22:21 GMT

@aussiesareforever wrote:
Definitely don't tempt Barclay if you have recent accounts. They will shut you down if you give them a reason to review your credit report

Yeah, that's the word on the street.

Re: Barclays APPLE visa PC?

LS2982 — Mon, 25 Feb 2013 15:14:19 GMT

They will let you teansfer the apple limit as long as they approve you for the nfl card.

Re: Barclays APPLE visa PC?

Anonymous — Tue, 26 Feb 2013 05:47:04 GMT

@aussiesareforever wrote:
Definitely don't tempt Barclay if you have recent accounts. They will shut you down if you give them a reason to review your credit report

This is generally more urban legend than fact.

Since opening two new accounts with Barclays recently, I have subsequently opened at least 8 others. Not a peep from Barclays.

Unless someone can link to a case that shows otherwise, I think most of the people who suffer AA from Barclays over new accounts or inquiries were very borderline approvals to begin with and probably only got in through recon.

As long as everything else on your credit report is ok, I wouldn't worry about trying for the NFL card and shifting your Apple limit over.

Re: Barclays APPLE visa PC?

aussiesareforever — Tue, 26 Feb 2013 13:08:12 GMT

@Anonymous wrote:
@aussiesareforever wrote:
Definitely don't tempt Barclay if you have recent accounts. They will shut you down if you give them a reason to review your credit report
This is generally more urban legend than fact.

Since opening two new accounts with Barclays recently, I have subsequently opened at least 8 others. Not a peep from Barclays.

Unless someone can link to a case that shows otherwise, I think most of the people who suffer AA from Barclays over new accounts or inquiries were very borderline approvals to begin with and probably only got in through recon.

As long as everything else on your credit report is ok, I wouldn't worry about trying for the NFL card and shifting your Apple limit over.

Completely disagree. I am on an iPad but a simple search on these boaras will give you plenty of examples. . There is one example on this thread if you took the time to read it. Again notice that I said "if you give them a reason to review your credit report". AA with Barclay usually happens when people call in for a CLI or want a product change or need something that requires review of your credit report. They will shut you down quickly.

I have opened three accounts after my Barclay. I haven't suffered AA but I didn't call for a product change. I think it would be rather silly to tempt fate OP. Don't let them shut your account down. I'll be back to give plenty of examples when I am on a regular computer.

Re: Barclays APPLE visa PC?

Anonymous — Tue, 26 Feb 2013 13:52:49 GMT

@aussiesareforever wrote:
@Anonymous wrote:
@aussiesareforever wrote:
Definitely don't tempt Barclay if you have recent accounts. They will shut you down if you give them a reason to review your credit report
This is generally more urban legend than fact.

Since opening two new accounts with Barclays recently, I have subsequently opened at least 8 others. Not a peep from Barclays.

Unless someone can link to a case that shows otherwise, I think most of the people who suffer AA from Barclays over new accounts or inquiries were very borderline approvals to begin with and probably only got in through recon.

As long as everything else on your credit report is ok, I wouldn't worry about trying for the NFL card and shifting your Apple limit over.
Completely disagree. I am on an iPad but a simple search on these boaras will give you plenty of examples. . There is one example on this thread if you took the time to read it. Again notice that I said "if you give them a reason to review your credit report". AA with Barclay usually happens when people call in for a CLI or want a product change or need something that requires review of your credit report. They will shut you down quickly.

I have opened three accounts after my Barclay. I haven't suffered AA but I didn't call for a product change. I think it would be rather silly to tempt fate OP. Don't let them shut your account down. I'll be back to give plenty of examples when I am on a regular computer.

False on every count.

Every case I have read on the forums involves a person with an iffy approval to begin with that they had to recon. And those that did suffer AA were usually hit out of the blue when either their card was declined or they logged in and saw their account closed.

The one example on this thread is extremely slim on any details that count.

Please come back and show us links.

Re: Barclays APPLE visa PC?

TiggerDat — Tue, 26 Feb 2013 14:07:56 GMT

@Anonymous wrote:
@aussiesareforever wrote:
@Anonymous wrote:
@aussiesareforever wrote:
Definitely don't tempt Barclay if you have recent accounts. They will shut you down if you give them a reason to review your credit report
This is generally more urban legend than fact.

Since opening two new accounts with Barclays recently, I have subsequently opened at least 8 others. Not a peep from Barclays.

Unless someone can link to a case that shows otherwise, I think most of the people who suffer AA from Barclays over new accounts or inquiries were very borderline approvals to begin with and probably only got in through recon.

As long as everything else on your credit report is ok, I wouldn't worry about trying for the NFL card and shifting your Apple limit over.
Completely disagree. I am on an iPad but a simple search on these boaras will give you plenty of examples. . There is one example on this thread if you took the time to read it. Again notice that I said "if you give them a reason to review your credit report". AA with Barclay usually happens when people call in for a CLI or want a product change or need something that requires review of your credit report. They will shut you down quickly.

I have opened three accounts after my Barclay. I haven't suffered AA but I didn't call for a product change. I think it would be rather silly to tempt fate OP. Don't let them shut your account down. I'll be back to give plenty of examples when I am on a regular computer.
False on every count.

Every case I have read on the forums involves a person with an iffy approval to begin with that they had to recon. And those that did suffer AA were usually hit out of the blue when either their card was declined or they logged in and saw their account closed.

The one example on this thread is extremely slim on any details that count.

Please come back and show us links.

Really, because my first account was an instant approval? It was the PC that caused my problems with them. I didn't need to recon my first account, I got the decision online in a matter of seconds. Yes, I did draw attention to myself in trying to PC to another card and then had also added new accounts. One of those new accounts I have never even used! Another I have charged maybe $100 on. The other one I have used for about $1500 in the last six months, but at the time it was reporting $0 and is once again reporting $0. From other things I have read, this has happened to others too and I have a pretty good score right now. So much so that I even got a preapproval from Chase for the slate card. So my bureau can't be too iffy and couldn't have been so 6 months ago either. The biggest thing keeping my score below a 720 is the inquiries, hence the reason I am in the garden and going to stay there for at least 4 more months, but probably 10 more months to be safe! Actually, without the inquiries I would probably close to a 765, so I might even be looking at breaking 800 in about 18 months.

Re: Barclays APPLE visa PC?

aussiesareforever — Tue, 26 Feb 2013 14:36:05 GMT

@aussiesareforever wrote:
Definitely don't tempt Barclay if you have recent accounts. They will shut you down if you give them a reason to review your credit report
This is generally more urban legend than fact.

Since opening two new accounts with Barclays recently, I have subsequently opened at least 8 others. Not a peep from Barclays.

Unless someone can link to a case that shows otherwise, I think most of the people who suffer AA from Barclays over new accounts or inquiries were very borderline approvals to begin with and probably only got in through recon.

As long as everything else on your credit report is ok, I wouldn't worry about trying for the NFL card and shifting your Apple limit over.
Completely disagree. I am on an iPad but a simple search on these boaras will give you plenty of examples. . There is one example on this thread if you took the time to read it. Again notice that I said "if you give them a reason to review your credit report". AA with Barclay usually happens when people call in for a CLI or want a product change or need something that requires review of your credit report. They will shut you down quickly.

I have opened three accounts after my Barclay. I haven't suffered AA but I didn't call for a product change. I think it would be rather silly to tempt fate OP. Don't let them shut your account down. I'll be back to give plenty of examples when I am on a regular computer.
False on every count.

Every case I have read on the forums involves a person with an iffy approval to begin with that they had to recon. And those that did suffer AA were usually hit out of the blue when either their card was declined or they logged in and saw their account closed.

The one example on this thread is extremely slim on any details that count.

Please come back and show us links.

Hi McArthur, since you are having a little difficulty reading, I'll start you off with the post that was made on this same thread. Pretty much one page over. Found here

Then there are a few examples of account closed after request for a CLI here, here and here and a few days after a CLI was granted here

An account that was closed after a request for a PC here (OP take note, don't ask for a PC until at least six months, maybe even longer!)

And then, just a fun, a couple of random Barclay closures and CLD here, here,here, here and here. I actually have to work this morning but there are many more examples that are easy to find using the search button and taking time to read.

OP, the bottom line is that Barclay is a great bank. They are good with giving wonderful increases and I've had nothing but the best customer service from them. However, it would be foolish to say that they don't randomly close accounts based on what they perceive to be risky behavior.

If you have opened a few accounts recently, I wouldn't call them for a PC. Just hold on to the Apple card, put a recurring charge on it once a month and pay it off in full. After sixish months, call and ask for a PC. Once you have demonstrated good use of your card, they will be really pleasant to work with.

Finally, I love this forum but be careful about who you listen to. The search button is easy to use, make sure you do a lot of reading yourself. Pretty easy to do!

Re: Barclays APPLE visa PC?

Anonymous — Wed, 27 Feb 2013 02:20:19 GMT

@aussiesareforever wrote:
@aussiesareforever wrote:
Definitely don't tempt Barclay if you have recent accounts. They will shut you down if you give them a reason to review your credit report
This is generally more urban legend than fact.

Since opening two new accounts with Barclays recently, I have subsequently opened at least 8 others. Not a peep from Barclays.

Unless someone can link to a case that shows otherwise, I think most of the people who suffer AA from Barclays over new accounts or inquiries were very borderline approvals to begin with and probably only got in through recon.

As long as everything else on your credit report is ok, I wouldn't worry about trying for the NFL card and shifting your Apple limit over.
Completely disagree. I am on an iPad but a simple search on these boaras will give you plenty of examples. . There is one example on this thread if you took the time to read it. Again notice that I said "if you give them a reason to review your credit report". AA with Barclay usually happens when people call in for a CLI or want a product change or need something that requires review of your credit report. They will shut you down quickly.

I have opened three accounts after my Barclay. I haven't suffered AA but I didn't call for a product change. I think it would be rather silly to tempt fate OP. Don't let them shut your account down. I'll be back to give plenty of examples when I am on a regular computer.
False on every count.

Every case I have read on the forums involves a person with an iffy approval to begin with that they had to recon. And those that did suffer AA were usually hit out of the blue when either their card was declined or they logged in and saw their account closed.

The one example on this thread is extremely slim on any details that count.

Please come back and show us links.

Hi McArthur, since you are having a little difficulty reading, I'll start you off with the post that was made on this same thread. Pretty much one page over. Found here

Then there are a few examples of account closed after request for a CLI here, here and here and a few days after a CLI was granted here

An account that was closed after a request for a PC here (OP take note, don't ask for a PC until at least six months, maybe even longer!)

And then, just a fun, a couple of random Barclay closures and CLD here, here,here, here and here. I actually have to work this morning but there are many more examples that are easy to find using the search button and taking time to read.

OP, the bottom line is that Barclay is a great bank. They are good with giving wonderful increases and I've had nothing but the best customer service from them. However, it would be foolish to say that they don't randomly close accounts based on what they perceive to be risky behavior.

If you have opened a few accounts recently, I wouldn't call them for a PC. Just hold on to the Apple card, put a recurring charge on it once a month and pay it off in full. After sixish months, call and ask for a PC. Once you have demonstrated good use of your card, they will be really pleasant to work with.

Finally, I love this forum but be careful about who you listen to. The search button is easy to use, make sure you do a lot of reading yourself. Pretty easy to do!

It would appear less deceitful if you had actually read the threads and analyzed what was going on in each particular case. Oh, and cute trick using cases from 4 to 8 years ago. 4 to 8 years ago AA was the rule rather than the exception for everybody.

Ok, stale data aside, one of your links pointed to a guy who had 15 new accounts within a very short period of time after opening his Barclays account. Another had 5 within 6 months of opening his Barclays account. Applying that to OP's case is pure paranoia.

Another link you've provided leads to one with 6 new accounts and a very poor credit history.

Three others lead to individuals with flaky credit.

One leads to a possible legitimate victim, but with a 30 point FICO drop on their TU it's not rocket science to think there might be more to the picture.

And your strongest link? Seems like the guy didn't open an excessive amount of new accounts and there is no mention of his credit history. But his CL on the Barclays account was $500. $500. Does it get any worse?

Posting links would be fine, but the trick is actually reading them and making an intelligent analysis.

Re: Barclays APPLE visa PC?

Anonymous — Wed, 27 Feb 2013 02:26:00 GMT

McArthur seems to be dead on in this case. I have over 8 new accounts opened up since my barclays and in fact applied for another one. Not a peep from them about closing my account.

Re: Barclays APPLE visa PC?

Rhaeny — Wed, 27 Feb 2013 03:26:33 GMT

I opened an Apple Barclays in early September and since then 8 new accounts. I haven't heard anything from them...yet, so I am keeping my fingers crossed. I use them quite heavily and PIF each month so that it reports a zero balance. I'm coming up on 6 months in a few weeks so we will see if there is an issue. I would hate to lose them but just in case I have other CC's.

I didn't know about this issue of AA with them until after I got them. I was on an app spree and just couldn't stop (some of you know exactly what I mean ). So hopefully nothing adverse happens but just in case it does I'll just have to deal with it.

Re: Barclays APPLE visa PC?

BearsAndTurtlesRtheBest — Wed, 27 Feb 2013 03:29:25 GMT

How did you cedit look like when approved for Apple Visa and what credit limit did they provide you with. Thanks!

Re: Barclays APPLE visa PC?

TiggerDat — Wed, 27 Feb 2013 04:30:14 GMT

@Anonymous wrote:
@aussiesareforever wrote:
@aussiesareforever wrote:
Definitely don't tempt Barclay if you have recent accounts. They will shut you down if you give them a reason to review your credit report
This is generally more urban legend than fact.

Since opening two new accounts with Barclays recently, I have subsequently opened at least 8 others. Not a peep from Barclays.

Unless someone can link to a case that shows otherwise, I think most of the people who suffer AA from Barclays over new accounts or inquiries were very borderline approvals to begin with and probably only got in through recon.

As long as everything else on your credit report is ok, I wouldn't worry about trying for the NFL card and shifting your Apple limit over.
Completely disagree. I am on an iPad but a simple search on these boaras will give you plenty of examples. . There is one example on this thread if you took the time to read it. Again notice that I said "if you give them a reason to review your credit report". AA with Barclay usually happens when people call in for a CLI or want a product change or need something that requires review of your credit report. They will shut you down quickly.

I have opened three accounts after my Barclay. I haven't suffered AA but I didn't call for a product change. I think it would be rather silly to tempt fate OP. Don't let them shut your account down. I'll be back to give plenty of examples when I am on a regular computer.
False on every count.

Every case I have read on the forums involves a person with an iffy approval to begin with that they had to recon. And those that did suffer AA were usually hit out of the blue when either their card was declined or they logged in and saw their account closed.

The one example on this thread is extremely slim on any details that count.

Please come back and show us links.

Hi McArthur, since you are having a little difficulty reading, I'll start you off with the post that was made on this same thread. Pretty much one page over. Found here

Then there are a few examples of account closed after request for a CLI here, here and here and a few days after a CLI was granted here

An account that was closed after a request for a PC here (OP take note, don't ask for a PC until at least six months, maybe even longer!)

And then, just a fun, a couple of random Barclay closures and CLD here, here,here, here and here. I actually have to work this morning but there are many more examples that are easy to find using the search button and taking time to read.

OP, the bottom line is that Barclay is a great bank. They are good with giving wonderful increases and I've had nothing but the best customer service from them. However, it would be foolish to say that they don't randomly close accounts based on what they perceive to be risky behavior.

If you have opened a few accounts recently, I wouldn't call them for a PC. Just hold on to the Apple card, put a recurring charge on it once a month and pay it off in full. After sixish months, call and ask for a PC. Once you have demonstrated good use of your card, they will be really pleasant to work with.

Finally, I love this forum but be careful about who you listen to. The search button is easy to use, make sure you do a lot of reading yourself. Pretty easy to do!
It would appear less deceitful if you had actually read the threads and analyzed what was going on in each particular case. Oh, and cute trick using cases from 4 to 8 years ago. 4 to 8 years ago AA was the rule rather than the exception for everybody.

Ok, stale data aside, one of your links pointed to a guy who had 15 new accounts within a very short period of time after opening his Barclays account. Another had 5 within 6 months of opening his Barclays account. Applying that to OP's case is pure paranoia.

Another link you've provided leads to one with 6 new accounts and a very poor credit history.

Three others lead to individuals with flaky credit.

One leads to a possible legitimate victim, but with a 30 point FICO drop on their TU it's not rocket science to think there might be more to the picture.

And your strongest link? Seems like the guy didn't open an excessive amount of new accounts and there is no mention of his credit history. But his CL on the Barclays account was $500. $500. Does it get any worse?

Posting links would be fine, but the trick is actually reading them and making an intelligent analysis.

I read the links given in a completely different way in some circumstances. In one thread it was a person who not only contacted Barclays before he did two more apps and was told by them that there it was past the 3 month mark which would have flagged his account so he needn't worry. Later when he called them they told him it was due to high inquiries, one of which was for a cell phone! That link was not 4 years ago, but was just last October.

Another was from a person who simply had too many inquiries and it is hard to determine if there credit was iffy or if it was simply a slim file at the time without actually reading every thread the person has posted, but feel free to do so.

In another situation the person did not have poor or iffy credit as they had credit lines of $5000. And that was in a thread that was started on the first of this year, it was titled, 'barclay starting off the year in barclay style.' Which further goes to point out the aspect of what is truly being discussed here. I don't know if you remember what you yourself said in that thread, but basically you were concerned about it then.

Now at this point I don't know if it is best that I simply keep proving anything or not.

I would say that at one point you had some concern and for reasons you have now changed that opinion. Is it because you have more than one card with Barclays? Would that be a possible factor in what they would decided to do with an account? Having another card with them for a long period would have proven something to them that would be overlooked in the case of others with only one card. I never got to any threads which were 4 or more years old, but with the ones that were more recent we can say in a meta-data analysis perspective that it is probably true they are at least a little sensitive to new inquiries and accounts! If it has been happening for 4 or more years then we could say that it has been a long term policy. Please don't come back with an attack on me for providing the links that I did and the analysis that I made, because I will simply ignore it. I did not go through all the links the other person provided, but I went far enough to see that what he was saying was supported properly. You on the other hand just gave a rebuttle without any support to it, you just simply countered but did not provide the facts. Even if you were to do so now it would not gain credibility as now two different individuals have supported their supposition. Please, just in the future provide the links with your support so we can 'objectively' see what you state. I know in some ways you will take this as an attack, but I merely mean it as a matter of gentlemanly debate, however even in debate you do need bring your research with you when the other person has done so already.