@PlasticOrPlastic wrote:
Good plan, had I been a bit more patient I would have done the same!
On second thought...
http://ficoforums.myfico.com/t5/Credit-Cards/Barclays-APPLE-visa-PC/td-p/1905149/page/3
After reading page 3 I think I'll just continue to accept Barclays auto love and leave it at that... LOL
@PlasticOrPlastic wrote:
@TRC_WA wrote:
@PlasticOrPlastic wrote:
Good plan, had I been a bit more patient I would have done the same!
On second thought...
http://ficoforums.myfico.com/t5/Credit-Cards/Barclays-APPLE-visa-PC/td-p/1905149/page/3
After reading page 3 I think I'll just continue to accept Barclays auto love and leave it at that... LOL
Lol for UTIL padding? The card was kind of useless to me after the promo expired...they ocassionaly give promos but I don't buy that many Apple products haha.
Yeah same here... I already bought all the apple products I intend to buy.
I would love to PC it to a Rewards card and will probably give it a go at the 12 month mark. My last new CC account was in December and I have just 1 inquiry this year (my car refi) so even though I read that thread and see multiple different topics by people that had their acounts closed I think I'll be fine.
From that thread:
OP, the bottom line is that Barclay is a great bank. They are good with giving wonderful increases and I've had nothing but the best customer service from them. However, it would be foolish to say that they don't randomly close accounts based on what they perceive to be risky behavior.
If you have opened a few accounts recently, I wouldn't call them for a PC. Just hold on to the Apple card, put a recurring charge on it once a month and pay it off in full. After sixish months, call and ask for a PC. Once you have demonstrated good use of your card, they will be really pleasant to work with.
That's exactly what I've been doing and for good reason... they've SP my CR every single month since I got their card.
@PlasticOrPlastic wrote:
And I was just the opposite, I opened a QS1 account, and a Discover IT card, then called to PC my Apple card. CSR told me my account looked great and they'd be happy to give me a PC to the rewards VISA.
As with everything credit, it's YMMV.
I've seen the SPs on my credit every month and read the multiple account closure threads on these very forums from people with multiple new accounts and inquiries to know that Barclay doesn't hesitate if they think you are a risk.
Obviously they didn't in your case... and I don't think I'll have a problem either. Still gonna wait 3 more months till my account is a year old though. 