Why is Barclays so pretentious

[Anonymous]

I have 2 Barclaycards. My first in 2006. I do travel international at least once a year so the true chip and pin really work good in Europe along with no foreign fees. If you have a WEMC the trip protection, purchase protection, accepted anywhere make a great combine. I value this over my visa infinite card insurance. Although I love my Chase Sapphire Resever (30k) it has no prestige and my faithful and true Capital One quick silver (4k) very limit purchase power. Each serve a purpose. If only one card from one company could meet all my requirements. American Express has brand name thanks to their marketing department. But imo their cash back cards suck. Redeem every 25 dollars, statements credit only. Thank you for shopping at Amex. American financial reviews. Need I say more. I have good relationship with other lenders as well Citi, Bank Of America. I have 8 cards. Wish to get down to 5.

[pipeguy]

Not sure that I understand your post - seems you like your Barclay's card(s), nothing as to why you think "Barclays so pretentious" (denied a high CLI?). 

As far as having only 1 card, that's not a good option IMO - lost/damaged/canceled by the lender or any number of other factors and you have NO credit card to use - I would have at least 3 and personally, AmEx would not be one of them (personal experience). In addition, CRA's prefer at least 2+ cards (common thought is at least 3).

[Anonymous]

Let me break it down for you. I'm not in love with any lenders. It's their money, their terms. Barclay is not my first cc lender or last. I know the terms and we have a good relationship. As far as limit. Many of their co-bands comes with decent limit. My sl 10k and it grew with me. My capital one quick silver never increase. But I'm a little different from most on this platform. I don't run for line increase, bonus points than drop the card. Amex build a business with people like me. Not that am a big fan of amex. I can't tell you why Barclay give some people decent line and others no so. Could it be uber told Barclay their intended market want have high monthly expenses compared to travel cards.

[Anonymous]

I have gotten much higher starting limits with Barclay than Amex. My wife also got a 24k starting limit with Barclay.  Different banks different formulas on how they give out credit limits.  I have had zero issues with Barclay.  

[Anonymous]

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@Anonymouswrote:

I've heard more bad than good about Barclays, thus I've never appd with them. Though I have considered their Wyndham Rewards card.

Once I get below teh 5/24 I'll likely opt for a Chase card, I've heard good things about them.

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I would highly recommend Barclays over Chase.  Chase seems to be on a bit of an AA spree lately with nearly no rhyme nor reason.  Barclays is extremely conservative, but throughout my time holding their Uber Visa card, I've found their csr's and upper management to be extremely reasonable and polite.  They approved my application despite my young portfolio, and matched my highest existing credit limit.  When comparing Chase and Barclays keep in mind that a lot of the AA from Chase lately has no real justification and thus cannot be prevented, whereas Barclays seems to have a valid explanation for their actions.  

[Anonymous]

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@Anonymouswrote:

I have 2 Barclay cards, Apple Rewards and Frontier Airlines, and have had no issue with them.  My gut tells me that a predominantly-British bank just doesn't quite know how to deal with American-style CC usage and it spooks them.

The beauty is, there are plenty of other CC issuers if people don't care to deal with Barclay's.

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I'm curious as to what the main differences are between British and American credit card usage is.  Can you elaborate?  Maybe I can tailor my habits to their "British preference".

[kdm31091]

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@Anonymouswrote:

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@Anonymouswrote:

I've heard more bad than good about Barclays, thus I've never appd with them. Though I have considered their Wyndham Rewards card.

Once I get below teh 5/24 I'll likely opt for a Chase card, I've heard good things about them.

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I would highly recommend Barclays over Chase.  Chase seems to be on a bit of an AA spree lately with nearly no rhyme nor reason.  Barclays is extremely conservative, but throughout my time holding their Uber Visa card, I've found their csr's and upper management to be extremely reasonable and polite.  They approved my application despite my young portfolio, and matched my highest existing credit limit.  When comparing Chase and Barclays keep in mind that a lot of the AA from Chase lately has no real justification and thus cannot be prevented, whereas Barclays seems to have a valid explanation for their actions.  

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Banks (including Chase or Barclay) don't just pull names out of thin air for AA. It may seem unjustified but there is always a reason. Whether one agrees with the reason or not is another matter, but it's not random.

[Anonymous]

My understanding was that Britons are much less prone to use credit, and less driven by incentives like sign-up bonuses.  Although I found an article that suggests the behaviors between the two groups are converging. 

http://www.acg.net/us-and-uk-payment-behaviors-more-similar-than-different-says-auriemma-consulting-...

[Anonymous]

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@kdm31091wrote:

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@Anonymouswrote:

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@Anonymouswrote:

I've heard more bad than good about Barclays, thus I've never appd with them. Though I have considered their Wyndham Rewards card.

Once I get below teh 5/24 I'll likely opt for a Chase card, I've heard good things about them.

---

I would highly recommend Barclays over Chase.  Chase seems to be on a bit of an AA spree lately with nearly no rhyme nor reason.  Barclays is extremely conservative, but throughout my time holding their Uber Visa card, I've found their csr's and upper management to be extremely reasonable and polite.  They approved my application despite my young portfolio, and matched my highest existing credit limit.  When comparing Chase and Barclays keep in mind that a lot of the AA from Chase lately has no real justification and thus cannot be prevented, whereas Barclays seems to have a valid explanation for their actions.  

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Banks (including Chase or Barclay) don't just pull names out of thin air for AA. It may seem unjustified but there is always a reason. Whether one agrees with the reason or not is another matter, but it's not random.

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While technically the reasons are not pulled out of a hat, they essentially are for all intensive purposes in unfortunate circumstances.