Should i cancel Barclays?

[orestrus]

Some DPs

AAOA 5 yrs 

Oldest account ~ 9 yrs 

6/24

7 enqs

I have pretty solid cards 2 accounts with chase 5/10k

Vanture 15, QS 2.5, Apple 2.5 and Barclays $500. Opened that horrible card ~ year ago. Heavy usage & PIF..Called to see if they have any "offers"- no go. Do you think i should just shut it down to boost my internal score with Chase?  Dont do any business with Barclays.. Its a horrible bank

[Jeffster1]

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@orestrus wrote:

Some DPs

AAOA 5 yrs 

Oldest account ~ 9 yrs 

6/24

7 enqs

I have pretty solid cards 2 accounts with chase 5/10k

Vanture 15, QS 2.5, Apple 2.5 and Barclays $500. Opened that horrible card ~ year ago. Heavy usage & PIF..Called to see if they have any "offers"- no go. Do you think i should just shut it down to boost my internal score with Chase?  Dont do any business with Barclays.. Its a horrible bank

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Personally, I wouldn't waste my time with Barclays. I had a Barclays card going back to when it was Juniper Bank. It never grew. Completely lackluster. I would not hesitate to close it.

After the acquisition of Juniper, Barclays' behavior was a major surprise to me as I had accounts with Barclays UK when I lived in London, and that bank had class. 

[Creditwiser]

During my rebuilding I managed to succesfully app for a Barclays Apple Reward with a 2k SL around 2015. It didnt take long to SP my way to 9K with a few phone calls to them along the way. During one call, they lowered my rate to a 10% APR and that was a bigger shocker than the cli's I received. 

Before my Delta Amex, Barclays was my go to card. I racked up the apple gift cards and they got their share of swipe fee's. It was a good relationship.

Fast forward to the demise of the Apple Rwds and a MC shows up in my mailbox. And thats where the relationship went sour. No offers, no CLI's unless I agreed to a HP and all my phone calls seemd to be heading to the Phillipines. Its become a sock drawer card with a tank of gas every now and then. If I ever need to swipe for a large purchase and need to carry a balance, the low APR will come in handy. Otherwise, they're dead to me. Really disliking Barclays.

[SouthJamaica]

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@orestrus wrote:

Some DPs

AAOA 5 yrs 

Oldest account ~ 9 yrs 

6/24

7 enqs

I have pretty solid cards 2 accounts with chase 5/10k

Vanture 15, QS 2.5, Apple 2.5 and Barclays $500. Opened that horrible card ~ year ago. Heavy usage & PIF..Called to see if they have any "offers"- no go. Do you think i should just shut it down to boost my internal score with Chase?  Dont do any business with Barclays.. Its a horrible bank

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1. It won't help or hurt your scores, including your internal score with Chase.

2. As far as I'm concerned, any day is a good day to close a Barclays account; in my book they are a blight.

[805orbust]

What basically everyone said... CHOP that mess. They are the most idiotic, skittish lender ever.  You'll be better off.  Kick them to the curb like they're nothing to you. 😆

[OmarGB9]

Yes I would cancel, although it wouldn't affect your internal score with Chase. Not sure where you heard that. 

[AverageCreditsUser]

Yep, agree with everyone here who has a bad vibe about Barclays.

When Barclays was gaining traction a few years ago with Sallie Mae and the Arrival Mastercard, their products were very popular until they started whittling down and nerfed their rewards offerings, coupled with AA cardholders' unease about carrying long-term balances, this significantly weakened Barclays' reputation effectively.

[coldfusion]

As mentioned above BarclayUS is about as twitchy a lender as they come.  When things are going smoothly they're fine but it doesn't take much for them to go off the rails.   They've also retooled and shrunk their card offerings over the last few years with all their core cards either being closed to new applications or closed out entirely  and going through a cherry-picking exercise where a large swath of cardholders across multiple product lines including the Arrival+ were sold off to First Bank & Trust and issued Mercury Mastercards.   Maybe the dust has settled but their recent history doesn't exactly demonstrate a high degree of stability.

[Traveler101]

Some good reading here. I though I was the only one with a big dislike for Barclay's. Though they served a purpose in my rebuild, they never grew their limits with me. For the first almost 5 years, I held only cap 1 and Barclay's. They can't say I wasn't loyal. But, it got me nowhere with them. Some banks reward you for a relationship. Not them. I'm filing for divorce this year.🎊

[805orbust]

@Traveler101  divorce... thats HILARIOUS!!!  I think you've coined a new term.