topic Re: PC with Barclay? in Credit Cards

PC with Barclay?

mohammadmoghimi — Wed, 05 Feb 2014 22:09:27 GMT

I'm thinking of getting barclay arrival for the 40k miles bonus and 2.2x cashback and want to not pay the annual fee and change the type of card to a no-af card with them. I just called them and they said it's not possible. I wanted to see if anyone had any experience with changing credit card at barclay?

My other option to the same thing is Cap1 venture card. First I have to wait for a better promotion and then see if they do PC

Re: PC with Barclay?

emptypockets — Thu, 06 Feb 2014 02:41:56 GMT

@mohammadmoghimi wrote:
I'm thinking of getting barclay arrival for the 40k miles bonus and 2.2x cashback and want to not pay the annual fee and change the type of card to a no-af card with them. I just called them and they said it's not possible. I wanted to see if anyone had any experience with changing credit card at barclay?

My other option to the same thing is Cap1 venture card. First I have to wait for a better promotion and then see if they do PC

I don't think this is a question to call and ask Barclay - they will definitely tell you no - what's in it for them to do this? Anecdotally people on various boards have been reporting that Barclays will not do this either. Barclays is conservative, and they do not like people they consider to be "churners" which is why they will tell you they will not do a PC. I think you probably could PC to the no AF card, but should open the card and keep it open until just before next years AF hits before trying to do the PC. Don't try to do it right after you get the bonus, too many red flags for them.

Even if they won't do a PC, if you have another card from Barclay they will re-allocate or move the Credit Line over to another card. I have moved a credit line to another card, and closed the original card to avoid paying the AF.

Re: PC with Barclay?

mxp114 — Thu, 06 Feb 2014 02:41:58 GMT

They do it as a save offer and yes it is idea to wait until 11 month or so prior to requesting the downgrade.

Re: PC with Barclay?

mohammadmoghimi — Thu, 06 Feb 2014 02:52:53 GMT

That's what I wanted to do. Wait for 11 months or even 23 months. I like the 2x of the arrival card.

mxp114, is it your guess or you heard they offer the downgrade to save the card?

Re: PC with Barclay?

DigitalArk — Thu, 06 Feb 2014 04:49:42 GMT

I have spoken with 3 different Barclaycard CSRs and they all said YES.

Re: PC with Barclay?

Anonymous — Thu, 06 Feb 2014 05:51:58 GMT

I know cap1 does a PC - not sure about barclays...

Re: PC with Barclay?

mohammadmoghimi — Thu, 06 Feb 2014 08:04:35 GMT

@DigitalArk. Do you already have a card with them? I talked with 2 CSRs today and told them I'm thinking of applying for the arrival and asked them about the PC and they said it's not possible.

Re: PC with Barclay?

DaveSignal — Thu, 06 Feb 2014 08:45:09 GMT

I've talked to multiple CSRs as well. I was told that it would be possible to apply for the no-AF card and then close the AF card, which is kind of like a PC, except that its a new account with no history.

It may be something that you can ask to speak to a retention specialist and explain your case and possibly they will grant an exception, but it is not a normal easy PC like with a US-owned banking institution.

If you think that $200 is worth some trouble/risk, then you should probably try it. If they don't let you PC, you can definatly just close the card if you want.

Re: PC with Barclay?

DigitalArk — Sat, 08 Feb 2014 03:46:28 GMT

@mohammadmoghimi

Yes, I ~~have~~ (used to have) the arrival with AF (I have successfully downgraded it to the no AF version).

Re: PC with Barclay?

mohammadmoghimi — Thu, 06 Feb 2014 22:31:37 GMT

@DaveSignal: What you are saying matches what they told me but @DigitalArk says they do the PC.

@DigitalArk: Did they mention closing/opening for the PC?

Re: PC with Barclay?

DigitalArk — Sat, 08 Feb 2014 03:42:39 GMT

@mohammadmoghimi wrote:

@DigitalArk: Did they mention closing/opening for the PC?

No, it's a PC. I just did it today. Now I am waiting for my no AF arrival to arrive.

It's better to redeem all your miles first before you PC it, otherwise, you would forfeit all the miles you have saved.

Re: PC with Barclay?

Anonymous — Sat, 08 Feb 2014 01:17:51 GMT

@mohammadmoghimi wrote:
@DigitalArk. Do you already have a card with them? I talked with 2 CSRs today and told them I'm thinking of applying for the arrival and asked them about the PC and they said it's not possible.

You're missing the fact that asking a question as an obvious churner is much different than asking the question as an actual cardholder.

Re: PC with Barclay?

mohammadmoghimi — Sat, 08 Feb 2014 19:57:57 GMT

@DigitalArk, Did you have the option to choose any other card? I'm interested in Sallie Mae card.

Re: PC with Barclay?

DigitalArk — Sun, 09 Feb 2014 10:42:06 GMT

@mohammadmoghimi wrote:
@DigitalArk, Did you have the option to choose any other card? I'm interested in Sallie Mae card.

I did not check with them. When I was talking to the CSR, I just wanted the no AF arrival.

Re: PC with Barclay?

Open123 — Sun, 09 Feb 2014 17:07:07 GMT

I suspect the overwhelming majority of those who applied for the Arrival will request a PC to the no-fee version, once their fee becomes due.