topic Re: Barclay Arrival Vs Barclay Rewards in Credit Cards

Barclay Arrival Vs Barclay Rewards

Anonymous — Fri, 07 Feb 2014 03:22:09 GMT

I just got a mailer for the Barclaycard Rewards World MC. They pull TU, which only has one INQ. I am fairly confident I can get approved..but I like the 2x miles on every purchase for the Arrival.

Im assuming the Arrival is upper tier, and Barclaycard is mid tier.

I hate the annual fee, but I think I'm willing to eat it for 2x on everything. It would be an ideal everyday card for me.

Does anybody know if the underwriting is somewhat similar for both cards? I know there will be a difference, but I guess what I'm asking is, generally speaking, if I can get approved for one, can I get approved for the other?

Would you recommend getting my foot in the door and then upgradin via PC? Is Barclays good for that?

Thanks in advance for any advice.

Re: Barclay Arrival Vs Barclay Rewards

Swapmeet — Fri, 07 Feb 2014 03:27:18 GMT

I don't know the answer to your question, per se, because the only experience that I have with Barclay is my recent app for the arrival world mc (the card hasn't even come yet, that's how fresh the app is). Two things about the arrival: 1. There is no AF. 2. It is not 2x points on everything.

Re: Barclay Arrival Vs Barclay Rewards

Anonymous — Fri, 07 Feb 2014 03:32:22 GMT

There are two versions of the Arrival..

Annual fee and no annual fee versions,

The annual fee version (89$) is 2x miles on all purchases.

@Swapmeet wrote:
I don't know the answer to your question, per se, because the only experience that I have with Barclay is my recent app for the arrival world mc (the card hasn't even come yet, that's how fresh the app is). Two things about the arrival: 1. There is no AF. 2. It is not 2x points on everything.

Re: Barclay Arrival Vs Barclay Rewards

Swapmeet — Fri, 07 Feb 2014 03:34:07 GMT

@Anonymous wrote:
There are two versions of the Arrival..

Annual fee and no annual fee versions,

The annual fee version (89$) is 2x miles on all purchases.
@Swapmeet wrote:
I don't know the answer to your question, per se, because the only experience that I have with Barclay is my recent app for the arrival world mc (the card hasn't even come yet, that's how fresh the app is). Two things about the arrival: 1. There is no AF. 2. It is not 2x points on everything.

So that would make it a 2% everything card then right?

Re: Barclay Arrival Vs Barclay Rewards

akabigo — Fri, 07 Feb 2014 03:35:42 GMT

2x miles per dollar spent and 10% back on points redeemed for travel. 40k point sign on bonus is nice too. Just received my card today . I can't help with your questions though as this is the only experience I have with Barclays. I think it's a great everyday card and I'll easily cover the annual fee and then some. Of course it's waived for the first year. Good Luck!

Re: Barclay Arrival Vs Barclay Rewards

Anonymous — Fri, 07 Feb 2014 03:37:11 GMT

@Swapmeet wrote:
@Anonymous wrote:
There are two versions of the Arrival..

Annual fee and no annual fee versions,

The annual fee version (89$) is 2x miles on all purchases.
@Swapmeet wrote:
I don't know the answer to your question, per se, because the only experience that I have with Barclay is my recent app for the arrival world mc (the card hasn't even come yet, that's how fresh the app is). Two things about the arrival: 1. There is no AF. 2. It is not 2x points on everything.

So that would make it a 2% everything card then right?

Yep.

Re: Barclay Arrival Vs Barclay Rewards

Anonymous — Fri, 07 Feb 2014 03:40:05 GMT

I'm jealous..I need a new everyday card. I have ones for gas, groceries dining, etc

@akabigo wrote:
2x miles per dollar spent and 10% back on points redeemed for travel. 40k point sign on bonus is nice too. Just received my card today . I can't help with your questions though as this is the only experience I have with Barclays. I think it's a great everyday card and I'll easily cover the annual fee and then some. Of course it's waived for the first year. Good Luck!

Re: Barclay Arrival Vs Barclay Rewards

Swapmeet — Fri, 07 Feb 2014 03:44:21 GMT

@Anonymous wrote:
@Swapmeet wrote:
@Anonymous wrote:
There are two versions of the Arrival..

Annual fee and no annual fee versions,

The annual fee version (89$) is 2x miles on all purchases.
@Swapmeet wrote:
I don't know the answer to your question, per se, because the only experience that I have with Barclay is my recent app for the arrival world mc (the card hasn't even come yet, that's how fresh the app is). Two things about the arrival: 1. There is no AF. 2. It is not 2x points on everything.

So that would make it a 2% everything card then right?
Yep.

Right on. I didn't realize that there were two versions, but I am happy with the offer that I accepted.

Re: Barclay Arrival Vs Barclay Rewards

Anonymous — Fri, 07 Feb 2014 03:46:33 GMT

If I remember correctly from when I checked out the Arrival card, the Rewards is Average credit score and the Arrival is Excellent credit score...

Re: Barclay Arrival Vs Barclay Rewards

Anonymous — Fri, 07 Feb 2014 03:47:49 GMT

Right on. I didn't realize that there were two versions, but I am happy with the offer that I accepted.

what is your fico, any baddies?

Re: Barclay Arrival Vs Barclay Rewards

Anonymous — Fri, 07 Feb 2014 03:49:05 GMT

Theres 2 rewards..one for good credit and one for excellent credit...they invited me to apply for the "world MC" so i assume its tipping towards the excellent side..

is barclays good with PC's and card growing with you, etc

@Anonymous wrote:
If I remember correctly from when I checked out the Arrival card, the Rewards is Average credit score and the Arrival is Excellent credit score...

Re: Barclay Arrival Vs Barclay Rewards

Swapmeet — Fri, 07 Feb 2014 03:50:16 GMT

@Anonymous wrote:

Right on. I didn't realize that there were two versions, but I am happy with the offer that I accepted.
what is your fico, any baddies?

It is all in my sig. I have one baddy--a paid $65 collection from 09.

Re: Barclay Arrival Vs Barclay Rewards

Anonymous — Fri, 07 Feb 2014 03:54:41 GMT

@Swapmeet wrote:
@Anonymous wrote:

Right on. I didn't realize that there were two versions, but I am happy with the offer that I accepted.
what is your fico, any baddies?
It is all in my sig. I have one baddy--a paid $65 collection from 09.

Damn...i want the arrival card so much..more so than the rewwards mc, which i think i have a decent shot of getting approved for. but im not going to app just to app. although it might be a good idea to get in the door with them...

Re: Barclay Arrival Vs Barclay Rewards

Swapmeet — Fri, 07 Feb 2014 04:01:10 GMT

@Anonymous wrote:
@Swapmeet wrote:
@Anonymous wrote:

Right on. I didn't realize that there were two versions, but I am happy with the offer that I accepted.
what is your fico, any baddies?
It is all in my sig. I have one baddy--a paid $65 collection from 09.
Damn...i want the arrival card so much..more so than the rewwards mc, which i think i have a decent shot of getting approved for. but im not going to app just to app. although it might be a good idea to get in the door with them...

If you want the card real bad, then it is not apping just to app--it's apping to satisfy a desire

Is your credit position looking strong? That is, your TU score, Inqs, baddies?

Re: Barclay Arrival Vs Barclay Rewards

Trivolve — Fri, 07 Feb 2014 04:02:35 GMT

I've been reading on the forum that it's hard to PC with barclaycard.

There are also 2 Barclaycard Rewards

One is for Excellent Credit, one is for Fair Credit.

Yours is the Rewards World MC so I think it's the Excellent Credit one. If so I think you stand a similar chance. But I don't know if preapproval (when you say mailer you mean a preapproved offer right?) means you have any higher chance of approval?

Re: Barclay Arrival Vs Barclay Rewards

Anonymous — Fri, 07 Feb 2014 04:07:05 GMT

@Swapmeet wrote:
@Anonymous wrote:
@Swapmeet wrote:
@Anonymous wrote:

Right on. I didn't realize that there were two versions, but I am happy with the offer that I accepted.
what is your fico, any baddies?
It is all in my sig. I have one baddy--a paid $65 collection from 09.
Damn...i want the arrival card so much..more so than the rewwards mc, which i think i have a decent shot of getting approved for. but im not going to app just to app. although it might be a good idea to get in the door with them...

If you want the card real bad, then it is not apping just to app--it's apping to satisfy a desire

Is your credit position looking strong? That is, your TU score, Inqs, baddies?

Hmmm..716 Fako, 1 INQ. 1 collection 2 derogs falling off this year. still waiting for that BCE to report

Re: Barclay Arrival Vs Barclay Rewards

Anonymous — Fri, 07 Feb 2014 04:10:58 GMT

@Trivolve wrote:
I've been reading on the forum that it's hard to PC with barclaycard.

There are also 2 Barclaycard Rewards

One is for Excellent Credit, one is for Fair Credit.

Yours is the Rewards World MC so I think it's the Excellent Credit one. If so I think you stand a similar chance. But I don't know if preapproval (when you say mailer you mean a preapproved offer right?) means you have any higher chance of approval?

I sincerely hope that preapproval at it's bare minimum, means that you meet some sort of underwriting criteria. I honestly feel like a shoe in for the Rewards World MC (the website only advertises REwards MC) but the Arrival is the prized posession,,,,

AHH! i dont wanna get denied!

Re: Barclay Arrival Vs Barclay Rewards

Swapmeet — Fri, 07 Feb 2014 04:12:56 GMT

@Anonymous wrote:
@Trivolve wrote:
I've been reading on the forum that it's hard to PC with barclaycard.

There are also 2 Barclaycard Rewards

One is for Excellent Credit, one is for Fair Credit.

Yours is the Rewards World MC so I think it's the Excellent Credit one. If so I think you stand a similar chance. But I don't know if preapproval (when you say mailer you mean a preapproved offer right?) means you have any higher chance of approval?
I sincerely hope that preapproval at it's bare minimum, means that you meet some sort of underwriting criteria. I honestly feel like a shoe in for the Rewards World MC (the website only advertises REwards MC) but the Arrival is the prized posession,,,,

AHH! i dont wanna get denied!

What was your initial cl for the bce again? wasn't it a g?

Re: Barclay Arrival Vs Barclay Rewards

Anonymous — Fri, 07 Feb 2014 04:15:12 GMT

@Swapmeet wrote:
@Anonymous wrote:
@Trivolve wrote:
I've been reading on the forum that it's hard to PC with barclaycard.

There are also 2 Barclaycard Rewards

One is for Excellent Credit, one is for Fair Credit.

Yours is the Rewards World MC so I think it's the Excellent Credit one. If so I think you stand a similar chance. But I don't know if preapproval (when you say mailer you mean a preapproved offer right?) means you have any higher chance of approval?
I sincerely hope that preapproval at it's bare minimum, means that you meet some sort of underwriting criteria. I honestly feel like a shoe in for the Rewards World MC (the website only advertises REwards MC) but the Arrival is the prized posession,,,,

AHH! i dont wanna get denied!
What was your initial cl for the bce again? wasn't it a g?

7k.

Re: Barclay Arrival Vs Barclay Rewards

Swapmeet — Fri, 07 Feb 2014 04:22:16 GMT

Oh yeah, definitely let that report and then apply. You will be approved for that arrival world mc with a 5k limit---according to the prophecy.