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Does anyone have that card or any information on it? I am looking to build my credit (minimal history) and I travel with JetBlue 6 times per year or so so I am in interested in that card. I heard Barclay cards arent the best odds to get when you are fairly new to credit. Anyone have any info about this card? Thanks!
@Anonymous wrote:
What do you mean by “fairly new?”
What are your two largest credit lines and are either of them not from a credit union?
I have 7 months as an AU on a Best Buy VISA with a 2k limit. And I have 1 month with an Amex Delta Gold with a 1k limit but that hasnt reported yet. The first statement on that card is today but I heard amex doesnt report until the 2nd statement
I like my jetBlue Plus card. The AF is $99, but you get anniversary points each year and earn points at a higher rate than the regular card. You also get a free checked bag for you and those traveling with you, up to 6 people I think. That alone more than pays for the AF.
I already had the NFL Extra Points card from Barclays. When approved for that one at a $3500 SL, Barclays beat my highest SL (Cap1) by $500, then when approved for the jetBlue Plus, they beat my highest SL again by starting me out at $4000. I've heard they like to best your best limit, and that was certainly true in my cases!
When approved for the jetBlue Plus, they pulled TU which was 655 at the time. $4000 SL and 25.74% APR. After 5 months, I called and asked for an APR reduction, which was granted down to 23.49% interest, but no SP CLI was offered (calling and asking for an APR reduction is the key to getting a SP CLI if they have that offer on the table for you). After 3 more months, I closed my NFL card and moved the limit, $4500 over to the jetBlue card, making it $8500. I waited 6 months and tried the APR reduction request again, no go. Two months after that (last month), boom, auto-CLI of $3000 bringing it to $11500. I put heavy usage through it, used it for a jetBlue vacation, which was paid off within two weeks, and another flight just this past January. I try to use it for restaurants and groceries since it's double points, but right now I'm trying to pay it down so not using it much. That's when the auto-CLI happened.
Sorry for being wordy, but just wanted to give you as much data and knowledge as I have about the card. Good luck if you decide to go for it!
Dear Op,
Your a glutton for punishment and a lot of denials if you keep this up....
You have almost NO history. Just rack up those HP and waste them on denials...
The regrets are in the post.....
Don't say the MF Community hasn't tried to warn you,
https://www.youtube.com/watch?v=W9ZD3_ppcPE
What happened to Chase? CSR is gonna be jealous when she reads this.
Hey, vinster95, I didn't know you'd only had your first card for about a month. Give it six months of use and paying in full to build that history, then try for the jetBlue if that's what you want. That will give a chance for you to establish scores and history. But still glad I could share my datapoints with you. Good luck!
@Anonymous wrote:Does anyone have that card or any information on it? I am looking to build my credit (minimal history) and I travel with JetBlue 6 times per year or so so I am in interested in that card. I heard Barclay cards arent the best odds to get when you are fairly new to credit. Anyone have any info about this card? Thanks!
Hi @Anonymous, you've started quite a few threads about quite a few different cards, and while that's what the forums are for we also encourage folks to user the forum's search feature to see if a particular question has been previously addressed... many questions are.
At this time rather than using the 'shotgun' approach and asking about many different cards and lenders, you might be better off to take inventory of what you want and where you want to go (rewards wise) and focus on that. This will also help prevent denial situations like you experienced with your CSP app.
It's an excellent card.
Barclays is a lousy bank.
You probably need to build some more credit history before getting an approval for the JetBlue card.