topic Re: Tell me about Barclays... in Credit Cards

Tell me about Barclays...

WarJar101 — Sat, 23 Mar 2013 16:38:09 GMT

Is there any benefit in getting a rewards card from these guys, or is the BCE, Freedom, IT trifecta good enough for pretty much everything that exists to get a cashback on ?

The only thing I know about these guys is that there good with recons, and are known for CLDs, also very INQ sensitive. Anything positive or negative that I missed? Fill me in.

Re: Tell me about Barclays...

LS2982 — Sat, 23 Mar 2013 16:40:52 GMT

If your not planning on any app sprees they have a decent rewards card with a good intro 0% APR and BT promo. I personally like their card.

Re: Tell me about Barclays...

Anonymous — Sat, 23 Mar 2013 17:16:19 GMT

@WarJar101 wrote:
Is there any benefit in getting a rewards card from these guys, or is the BCE, Freedom, IT trifecta good enough for pretty much everything that exists to get a cashback on ?

The only thing I know about these guys is that there good with recons, and are known for CLDs, also very INQ sensitive. Anything positive or negative that I missed? Fill me in.

Their priceline Visa, in the 2% version, fills in any gaps left by other cards. This or the Fidelity Amex (and Priceline, being a Visa, is more accepted) are very useful, making 2% the minimum on all purchases

Re: Tell me about Barclays...

BCGCredit — Sat, 23 Mar 2013 17:22:03 GMT

The Ring card has a profit sharing reward.

Re: Tell me about Barclays...

Open123 — Sat, 23 Mar 2013 17:28:23 GMT

@Anonymous wrote:
@WarJar101 wrote:
Is there any benefit in getting a rewards card from these guys, or is the BCE, Freedom, IT trifecta good enough for pretty much everything that exists to get a cashback on ?

The only thing I know about these guys is that there good with recons, and are known for CLDs, also very INQ sensitive. Anything positive or negative that I missed? Fill me in.
Their priceline Visa, in the 2% version, fills in any gaps left by other cards. This or the Fidelity Amex (and Priceline, being a Visa, is more accepted) are very useful, making 2% the minimum on all purchases

Excluding sign up bonsues, this and their "Arrival" are their best overall cards, in my estimation.

Re: Tell me about Barclays...

youngandcreditwrthy — Sat, 23 Mar 2013 17:42:13 GMT

I got a free night stay at Hilton Anatole in Dallas(pretty nice hotel!) with my Travelocity Amex.
And they have awesome BT deals!
Plus they're good with recons.
Customer Service is kinda iffy, but the features are decent w most of their cards. The regular aprs aside from promos SUCK though, so beware!

Re: Tell me about Barclays...

WarJar101 — Sat, 23 Mar 2013 17:48:54 GMT

Thanks for the responses guys. So how is Barclays with CLIs? (HP or SP). And how sensitive are they with recent INQs prior to applying? Which bureau do they pull?

Re: Tell me about Barclays...

Anonymous — Sat, 23 Mar 2013 17:54:22 GMT

@WarJar101 wrote:
Is there any benefit in getting a rewards card from these guys, or is the BCE, Freedom, IT trifecta good enough for pretty much everything that exists to get a cashback on ?

The only thing I know about these guys is that there good with recons, and are known for CLDs, also very INQ sensitive. Anything positive or negative that I missed? Fill me in.

And apart from Barclays, I think many of us would differ in your choice of the trifecta. For almost anyone who can get it, the Penfed Plat Rewards is better than the BCE, for a large number the BCP is better than the BCE (and if you can get one you can get the other). I'm one who prefers fixed (or nearly fixed) reward categories, such as Forward/Cash Plus rather than rotators, which put you at the mercy of the issuers choice.

Re: Tell me about Barclays...

Open123 — Sat, 23 Mar 2013 17:56:24 GMT

@WarJar101 wrote:
Thanks for the responses guys. So how is Barclays with CLIs? (HP or SP). And how sensitive are they with recent INQs prior to applying? Which bureau do they pull?

They always pull TU, but for some cases where they may see risk, they'll pull a second, or even all three. In general, they seem pretty sensitive to inquiries, and more so than other lenders, but I doubt excessive inquiries alone would be reason enough for a declination.

I've never had CLI offer from them, only one where if I write a balance check, they'll increase my CL by the amount of the check. If I recall, they do offer CLs with only SPs?

Re: Tell me about Barclays...

youngandcreditwrthy — Sat, 23 Mar 2013 17:59:21 GMT

Well,
Ime... They do auto clis every 6-7 months if your balance is low.
My clis have been sp over the phone, but Im fairly certain they will HP if you request online.
And they have always pulled/softed TU ime.

Re: Tell me about Barclays...

Anonymous — Sat, 23 Mar 2013 18:06:36 GMT

@Open123 wrote:
@WarJar101 wrote:
Thanks for the responses guys. So how is Barclays with CLIs? (HP or SP). And how sensitive are they with recent INQs prior to applying? Which bureau do they pull?
They always pull TU, but for some cases where they may see risk, they'll pull a second, or even all three. In general, they seem pretty sensitive to inquiries, and more so than other lenders, but I doubt excessive inquiries alone would be reason enough for a declination.

I've never had CLI offer from them, only one where if I write a balance check, they'll increase my CL by the amount of the check. If I recall, they do offer CLs with only SPs?

I got an auto CLI from them after 6 months.