topic Re: Barclay doesn't take kindly to using the BT checks in Credit Cards

Barclay doesn't take kindly to using the BT checks

2FixMyCredit — Thu, 03 Apr 2014 16:05:32 GMT

Just called to see when I would possible qualify for a CLI since I've been at 1k on my Barclay reward for some time ($5 balance). The guy said something to the matter of we see you used the check on your NFL card which does not show a great deal of responsibility. Yea, except it was paid down from $2900 to $150 in less that a month and I just paid it along with almost 8k worth of credit off. I guess they wanted me to keep a big balance to charge more interest?

Re: Barclay doesn't take kindly to using the BT checks

Creditaddict — Thu, 03 Apr 2014 16:12:51 GMT

Where they BT Checks or Cash Advance Rate checks?

Re: Barclay doesn't take kindly to using the BT checks

gdale6 — Thu, 03 Apr 2014 16:57:21 GMT

Another reason I have no relationship with Barclay, if they told me that their cards would be put where the sun doesnt shine, permanently. Taking a cash advance is not irresponsible and if they are going to send me the damn check they better not have any ideas of using it against me for any reason.... Find another bank to do business with.

Re: Barclay doesn't take kindly to using the BT checks

navigatethis12 — Thu, 03 Apr 2014 17:13:11 GMT

They send them to me all of the time with a 1% fee, so odd that they held that against you. I've given up asking for increases from them. I always get a system generated increase(even with their card maxed out), but I've never been able to get an increase by request.

Re: Barclay doesn't take kindly to using the BT checks

Creditaddict — Thu, 03 Apr 2014 17:17:42 GMT

They are odd and I don't usually like what the analyst do and do not like on the credit, it just doesn't always make sense.

Re: Barclay doesn't take kindly to using the BT checks

2FixMyCredit — Thu, 03 Apr 2014 17:36:34 GMT

It was definitely a balance transfer check. He was quite unfriendly, I think I'l stick with loving my BOA card and their generous increases and just wait til Barclay wants to show love themselves

Re: Barclay doesn't take kindly to using the BT checks

Anonymous — Thu, 03 Apr 2014 21:10:10 GMT

I would honestly file a complaint for that.

Re: Barclay doesn't take kindly to using the BT checks

Anonymous — Thu, 03 Apr 2014 21:34:54 GMT

@2FixMyCredit wrote:
It was definitely a balance transfer check. He was quite unfriendly, I think I'l stick with loving my BOA card and their generous increases and just wait til Barclay wants to show love themselves

have you tried escalating the issue? This is certainly weird. Barclays is one of those banks that actually prefer people to do BTs and leave a balance!

Re: Barclay doesn't take kindly to using the BT checks

B335is — Thu, 03 Apr 2014 21:41:35 GMT

@Anonymous wrote:
@2FixMyCredit wrote:
It was definitely a balance transfer check. He was quite unfriendly, I think I'l stick with loving my BOA card and their generous increases and just wait til Barclay wants to show love themselves
have you tried escalating the issue? This is certainly weird. Barclays is one of those banks that actually prefer people to do BTs and leave a balance!

+1 on that. They used to send me BT checks monthly when I had their rewards card. Stupid thing for a CSR to say.

Re: Barclay doesn't take kindly to using the BT checks

SunriseEarth — Thu, 03 Apr 2014 21:46:04 GMT

Barclay seems to be a strange animal. Maybe I'd be willing to put up with them for a Sallie Mae down the road, but I've decided not to seek them out in my rebuild.

Re: Barclay doesn't take kindly to using the BT checks

HeilFico — Thu, 03 Apr 2014 21:48:42 GMT

I've used several bt offers (checks) over a two year span and have received quite a few auto cli's. This is odd indeed. Maybe that rep was having a bad day. You paid it back so quick as well. I've always stretched mine out to a year...

Re: Barclay doesn't take kindly to using the BT checks

CreditMagic7 — Thu, 03 Apr 2014 22:52:52 GMT

Barclay's, and this coming from a guy who is still relatively new to this credit buzz, is the only lender i have run across that operates IMO straight from the moon, or Britain to be exact. I don't know why it is with them that they are so timid about Americans.
I read up on them often since my only denial came out of their camp, i follow Bloomberg and other high powered finance news groups and still don't understand their apprehensions & shaky risk assessments whether it be first applying or customers eligible for CLI's, not to mention CLD's etc.
I will not and do not want them and consider my own turndown for Sallie as a blessing.

Re: Barclay doesn't take kindly to using the BT checks

2FixMyCredit — Fri, 04 Apr 2014 01:08:13 GMT

After thinking on it and seeing you all opinion I think I'm going to call back. I used a product they suggested I used and now it's being held against me for using it. My scores are high, my util is only about 2% now and has never ever gone over 30%. I have no inqs on TU and I've had the card 9 months, no auto love at all. If they don't want to give a CLI that is fine but the reason is just blame idiotic.

I won't take another HP but hopefully I can put in a complaint about the guy and his douchbagery.

Re: Barclay doesn't take kindly to using the BT checks

B335is — Fri, 04 Apr 2014 01:36:29 GMT

@2FixMyCredit wrote:
After thinking on it and seeing you all opinion I think I'm going to call back. I used a product they suggested I used and now it's being held against me for using it. My scores are high, my util is only about 2% now and has never ever gone over 30%. I have no inqs on TU and I've had the card 9 months, no auto love at all. If they don't want to give a CLI that is fine but the reason is just blame idiotic.

I won't take another HP but hopefully I can put in a complaint about the guy and his douchbagery.

Keep us posted, I am very interested what kind of response you get. To hold it against you for using a BT check is crazy in your situation (didn't max it out, paid it off quickly). Did a CSR tell you this or an analyst?

Re: Barclay doesn't take kindly to using the BT checks

2FixMyCredit — Fri, 04 Apr 2014 11:15:13 GMT

@B335is wrote:
@2FixMyCredit wrote:
After thinking on it and seeing you all opinion I think I'm going to call back. I used a product they suggested I used and now it's being held against me for using it. My scores are high, my util is only about 2% now and has never ever gone over 30%. I have no inqs on TU and I've had the card 9 months, no auto love at all. If they don't want to give a CLI that is fine but the reason is just blame idiotic.

I won't take another HP but hopefully I can put in a complaint about the guy and his douchbagery.
Keep us posted, I am very interested what kind of response you get. To hold it against you for using a BT check is crazy in your situation (didn't max it out, paid it off quickly). Did a CSR tell you this or an analyst?

It was an analyst that told me this, I just got a notification that he pulled my CR as well but I didn't ok that, I only asked when I would qualify for a CLI not if I could get one then, so I'm guessing it was a new credit report that he pulled. Is there anything I can do about this? I will keep you all posted, I'm going to try and get ahold of an EO office is possible.

Re: Barclay doesn't take kindly to using the BT checks

emptypockets — Fri, 04 Apr 2014 18:07:09 GMT

I would call the EO. I have used the checks before, and I think that using them and paying them off (basically showing activity on the account) is the ticket to getting CLI's with Barclays. I have never had them mention using those checks for a reason for a decline. They send me some just about every 2 weeks, so I would think it wouldn't make sense for them to penalize you for using them. You can never depend completely on the word of the CSR, sometimes they don't have a clue about what they are talking about.

Sometimes they even send the checks where if you use them for an amount up to 3k, they give you a CLI in that amount. I suspect you got a bad CSR.

Re: Barclay doesn't take kindly to using the BT checks

firesword — Fri, 04 Apr 2014 18:29:33 GMT

@HeilFico wrote:
I've used several bt offers (checks) over a two year span and have received quite a few auto cli's. This is odd indeed. Maybe that rep was having a bad day. You paid it back so quick as well. I've always stretched mine out to a year...

This has been my experience as well with Barclays.

Re: Barclay doesn't take kindly to using the BT checks

B335is — Fri, 04 Apr 2014 21:37:17 GMT

Escalate it. The service failure is bad enough but HP when you asked when you can get CLI is just wrong.

Re: Barclay doesn't take kindly to using the BT checks (UPDATE)

2FixMyCredit — Mon, 07 Apr 2014 17:41:36 GMT

I got ahold of someone in a EO, they got back to me and let me know that the analyst was in the wrong for pulling my CR when I did not ask for or approve it and have removed the inquiry but still not final answer on a CLI which is fine, for now I'm just happy to have the inq gone!!