topic Re: App'ing for Barclays Arrival or CSP - Which one is the winner? in Credit Cards

App'ing for Barclays Arrival or CSP - Which one is the winner?

Anonymous — Wed, 03 Jul 2013 16:44:31 GMT

Hi All,

I've read good reviews for both cards and now I am torn as to which one I should apply for?

I'd like to get one of these 2 cards due to their sign up bonus offers as I plan to use it for my travel and some other expenses for this year. Can someone tell me if I have a good shot of getting approved for it? And which one is a better option?

I have:

Chase Checking Account 10+ years

AMEX Zync - NPSL -> 0 balance

Freedom $6,500 limit -> 1k balance (opened 6/2012)

US Bank Cash + - $9,500 limit -> 1k balance

Barclays Rewards Platinum - $1,500 limit -> $100 balance

JCP - $600 limit -> $100 balance

Ashley Furniture (GE Money) - $7,500 limit -> 2k balance

Mayc's 2k limit -> 0 balance

Chase Slate - $7,000 limit -> 0 balance

Yay or Nay?

Re: App'ing for Barclays Arrival or CSP - Which one is the winner?

myjourney — Wed, 03 Jul 2013 16:55:26 GMT

CSP has better redemption as far as points.

So my choice would be CSP

Re: App'ing for Barclays Arrival or CSP - Which one is the winner?

Anonymous — Wed, 03 Jul 2013 16:59:48 GMT

CSP hands down!

Re: App'ing for Barclays Arrival or CSP - Which one is the winner?

emptypockets — Wed, 03 Jul 2013 17:02:14 GMT

@Anonymous wrote:

Hi All,

I've read good reviews for both cards and now I am torn as to which one I should apply for?

I'd like to get one of these 2 cards due to their sign up bonus offers as I plan to use it for my travel and some other expenses for this year. Can someone tell me if I have a good shot of getting approved for it? And which one is a better option?

I have:

Chase Checking Account 10+ years

AMEX Zync - NPSL -> 0 balance
Freedom $6,500 limit -> 1k balance (opened 6/2012)
US Bank Cash + - $9,500 limit -> 1k balance
Barclays Rewards Platinum - $1,500 limit -> $100 balance
JCP - $600 limit -> $100 balance
Ashley Furniture (GE Money) - $7,500 limit -> 2k balance
Mayc's 2k limit -> 0 balance
Chase Slate - $7,000 limit -> 0 balance

Yay or Nay?

My vote is for CSP. They seem to be more flexible on what to do with the points once you earn them (more options to transfer to airline FF programs, etc).

Re: App'ing for Barclays Arrival or CSP - Which one is the winner?

Anonymous — Wed, 03 Jul 2013 17:05:22 GMT

Thanks for the replies!

Will def app for the CSP, based on my stats, will I get approved for the CSP?

Re: App'ing for Barclays Arrival or CSP - Which one is the winner?

Anonymous — Wed, 03 Jul 2013 17:08:22 GMT

Mid 700s score should have no problem as long as you don't have either 1)A bunch accounts with balances 2) accounts that are close to their limit or 3) high utilization.

This is assuming you have no negatives (normally the case with mid 700s score).

Re: App'ing for Barclays Arrival or CSP - Which one is the winner?

09Lexie — Wed, 03 Jul 2013 17:23:09 GMT

Agreed. You should be fine.