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    <title>topic Re: barclay pc in Credit Cards</title>
    <link>https://ficoforums.myfico.com/t5/Credit-Cards/barclay-pc/m-p/2828035#M804794</link>
    <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/725409"&gt;@DigitalArk&lt;/a&gt; wrote:&lt;BR /&gt;&lt;P&gt;I have successfully downgraded/PCed from AF arrival to no AF arrival one month after I had redeemed my 40,000 bonus. I only have had the arrival 3 months.&amp;nbsp;&lt;img id="smileyindifferent" class="emoticon emoticon-smileyindifferent" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-indifferent.gif" alt="Smiley Indifferent" title="Smiley Indifferent" /&gt;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;why are u pc/downgrade so early, I have both CSP and arrival, to me they are so similar, I need more time to find out which one fits me better.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I did successfully PC NFL card to rewards after several unsuccessfully attempt PC to Sallie Mae&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
    <pubDate>Tue, 18 Feb 2014 05:31:01 GMT</pubDate>
    <dc:creator>noobody</dc:creator>
    <dc:date>2014-02-18T05:31:01Z</dc:date>
    <item>
      <title>barclay pc</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/barclay-pc/m-p/2827757#M804723</link>
      <description>&lt;P&gt;just curious if anyone has had any luck pcing barclay? if so when is the right time to ask?&lt;/P&gt;</description>
      <pubDate>Tue, 18 Feb 2014 03:24:33 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/barclay-pc/m-p/2827757#M804723</guid>
      <dc:creator>juggalo9er</dc:creator>
      <dc:date>2014-02-18T03:24:33Z</dc:date>
    </item>
    <item>
      <title>Re: barclay pc</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/barclay-pc/m-p/2828009#M804787</link>
      <description>&lt;P&gt;I have successfully downgraded/PCed from AF arrival to no AF arrival one month after I had redeemed my 40,000 bonus. I only have had the arrival 3 months.&amp;nbsp;&lt;img id="smileyindifferent" class="emoticon emoticon-smileyindifferent" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-indifferent.gif" alt="Smiley Indifferent" title="Smiley Indifferent" /&gt;&lt;/P&gt;</description>
      <pubDate>Tue, 18 Feb 2014 05:15:18 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/barclay-pc/m-p/2828009#M804787</guid>
      <dc:creator>DigitalArk</dc:creator>
      <dc:date>2014-02-18T05:15:18Z</dc:date>
    </item>
    <item>
      <title>Re: barclay pc</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/barclay-pc/m-p/2828035#M804794</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/725409"&gt;@DigitalArk&lt;/a&gt; wrote:&lt;BR /&gt;&lt;P&gt;I have successfully downgraded/PCed from AF arrival to no AF arrival one month after I had redeemed my 40,000 bonus. I only have had the arrival 3 months.&amp;nbsp;&lt;img id="smileyindifferent" class="emoticon emoticon-smileyindifferent" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-indifferent.gif" alt="Smiley Indifferent" title="Smiley Indifferent" /&gt;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;why are u pc/downgrade so early, I have both CSP and arrival, to me they are so similar, I need more time to find out which one fits me better.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I did successfully PC NFL card to rewards after several unsuccessfully attempt PC to Sallie Mae&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Tue, 18 Feb 2014 05:31:01 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/barclay-pc/m-p/2828035#M804794</guid>
      <dc:creator>noobody</dc:creator>
      <dc:date>2014-02-18T05:31:01Z</dc:date>
    </item>
    <item>
      <title>Re: barclay pc</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/barclay-pc/m-p/2828077#M804799</link>
      <description>&lt;P&gt;I'm new here and still trying to figure out all the acronyms, but what is PC?&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Tue, 18 Feb 2014 06:01:07 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/barclay-pc/m-p/2828077#M804799</guid>
      <dc:creator>PowerMan572</dc:creator>
      <dc:date>2014-02-18T06:01:07Z</dc:date>
    </item>
    <item>
      <title>Re: barclay pc</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/barclay-pc/m-p/2828107#M804805</link>
      <description>&lt;P&gt;&lt;U&gt;1. Barclaycard arrival&lt;/U&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;U&gt;The differences between AF and no AF:&lt;/U&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Sign up bonus &amp;nbsp;- 40,000 vs 20,000 after 1K spending&lt;/P&gt;&lt;P&gt;Reward structures - 2% everything vs 2% travel &amp;amp; dining, 1% everything else&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;U&gt;2. Chase Sapphire&lt;/U&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;U&gt;The differences between CS and CSP:&lt;/U&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Sign up bonus&lt;/P&gt;&lt;P&gt;Additional bonus&lt;/P&gt;&lt;P&gt;FTF&lt;/P&gt;&lt;P&gt;7% dividend annually&lt;/P&gt;&lt;P&gt;EMV&lt;/P&gt;&lt;P&gt;Metal constructed&lt;/P&gt;&lt;P&gt;1:1 transfer to partners&lt;/P&gt;&lt;P&gt;2% on travel&lt;/P&gt;&lt;P&gt;20% off travel redemption thru UR&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;So, I would rather keep the CSP and no AF arrival.&amp;nbsp;&lt;img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /&gt;&lt;/P&gt;</description>
      <pubDate>Tue, 18 Feb 2014 06:14:43 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/barclay-pc/m-p/2828107#M804805</guid>
      <dc:creator>DigitalArk</dc:creator>
      <dc:date>2014-02-18T06:14:43Z</dc:date>
    </item>
    <item>
      <title>Re: barclay pc</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/barclay-pc/m-p/2828199#M804826</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/779111"&gt;@PowerMan572&lt;/a&gt; wrote:&lt;BR /&gt;&lt;P&gt;I'm new here and still trying to figure out all the acronyms, but what is PC?&amp;nbsp;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;&lt;SPAN&gt;Welcome to the forums!&lt;BR /&gt;&lt;BR /&gt;I'd suggest reading the following:&lt;BR /&gt;&lt;BR /&gt;&lt;A target="_blank" href="https://ficoforums.myfico.com/fico/board/message?board.id=rebuildingcredit&amp;amp;thread.id=584"&gt;Common Abbreviations&lt;/A&gt;&lt;BR /&gt;&lt;BR /&gt;&lt;A target="_blank" href="https://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&amp;amp;thread.id=29793"&gt;Credit Scoring 101&lt;/A&gt;&amp;nbsp;- great for knowing what is in your credit score and to see how your score is impacted.&amp;nbsp;&lt;BR /&gt;&lt;BR /&gt;&lt;A target="_blank" href="https://ficoforums.myfico.com/fico/board/message?board.id=rebuildingcredit&amp;amp;thread.id=28996"&gt;What Steps Do I Take&amp;nbsp;&lt;/A&gt;- great for learning the repair process.&lt;BR /&gt;&lt;BR /&gt;and&amp;nbsp;&lt;A target="_blank" href="https://ficoforums.myfico.com/t5/General-Credit-Topics/Frequently-Requested-Threads/td-p/10675"&gt;Example letters&lt;/A&gt;&amp;nbsp;- PFDs, GWs, DVs, etc.&lt;/SPAN&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Tue, 18 Feb 2014 07:01:21 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/barclay-pc/m-p/2828199#M804826</guid>
      <dc:creator>09Lexie</dc:creator>
      <dc:date>2014-02-18T07:01:21Z</dc:date>
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