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Getting through to a credit analyst at Barclaycard can be a bit of a challenge, but when you do, you often get good news. I called in to determine if my CashForward had any offers to lower the APR. There were no offers, so I asked if I had any offers on the Rewards. They advised that i had an SP CLI offer of $3,500, which took my from $6500 to $10K! I also was advised that I had a spend offer on the Rewards; if I spent $1K in 90 days, I'd get $50. I gladly accepted both offers.
My future plan is to eventually fold the CashForward CL into the Rewards. So for now, I'm definitely pleased.
Very nice!!!
Congrats
@Anonymous wrote:
Congrats on the increase specially it being a SP. Do you use your rewards card more than the CashForward?
I did, since it had a spend offer before and a 0% APR until September. I intend on using it again for gen spend, as well as gas & groceries, so I can meet the $1K spend
@SunriseEarth wrote:Getting through to a credit analyst at Barclaycard can be a bit of a challenge, but when you do, you often get good news. I called in to determine if my CashForward had any offers to lower the APR. There were no offers, so I asked if I had any offers on the Rewards. They advised that i had an SP CLI offer of $3,500, which took my from $6500 to $10K! I also was advised that I had a spend offer on the Rewards; if I spent $1K in 90 days, I'd get $50. I gladly accepted both offers.
My future plan is to eventually fold the CashForward CL into the Rewards. So for now, I'm definitely pleased.
Congrats on both the CLI and the spend offer! I havent remembered to ask about the spend offers when Ive called before, but intend to next time after reading this.
Congrats on the SP CLI & Spend bous offer. I'm surprised, I've all but given up on my Rewards MC, since it's been closed to new apps since last year I didn't think Barclays would give any CLIs on it, in fact I've been expecting a "We've converted your Rewards MC to a . . ." letter anytime. I just might call in & see if I have any offers, I haven't received a CLI in years.
@SunriseEarth wrote:
I did, since it had a spend offer before and a 0% APR until September. I intend on using it again for gen spend, as well as gas & groceries, so I can meet the $1K spend
YMMV, but any purchase I make at Family Dollar (my small town general store) and my nearest Walmart always get coded as groceries for 2% rewards on my Rewards MC. I haven't used my Rewards card for anything but 2% categories in years - utilities and Family Dollar & Walmart, as my Amex BCE w/3% on groceries doesn't code those as groceries, just 1% Other.
EDIT: I called into the Credit Analyst #, not much success. I first asked if Barclays had any plans to phase out the Rewards card & the rep said No, but I take that with a grain of salt. Then I asked for an APR reduction, mine has a horrendous 23.99% APR, and got transferred to Retention. Got a reduction to 19.99%, and had to suppress a laugh and said "Oh that would be helpful" instead, like I'd ever carry a balance at 20% interest. Then I asked if there were any other offers, yes - BT at 6.99% until March. Um no thanks. Then I asked for a CLI and rep asked if she had my permission to pull my CR - No, I don't take HPs just for a CLI. Then she offered to move some of my Cashforward $13.2k CL to Rewards. Not at this time, I got it last August and it has 0% intro promo until Sept. and currently has a $3500 balance, 26.5% util. I'll pay that off next month & then move some of the CL to Rewards, as I plan to sock drawer Cashforward, 1.5% rewards with a ridiculous $50 requirement to redeem rewards doesn't cut it.