Barclaycard Arrival Mishap - what should I do??

[manzanita]

Hi -

So yesterday I couldn't hep myself and applied for the Barclay Card Arrival. Right now on their Arrival card with an AF they are offering that 40k miles deal. Great.

Except somehow I - in my haste/obliviousness/i don't know  I ACTUALLY applied for the No AF card which is only offering 10k.

I was approved with a 4000 CL. So, after researching here about recons, I called Barclays today and asked if I could somehow be switched to the card I intended to apply for. They told me I could, but I would have to transfer my existing 4k CL from the non-AF card to the AF card with the better deal (fee waived first year). Ok fine. It would be an HP. Ugh...fine...I don't have many inquiries and I really truly am gardening from here on out because I don't need anything else.

So I was told that the original, non AF would be canceled. I just logged in and saw my new AF card with the 4k limit ...but I also saw my "old" non-AF card, now with a $500 limit.

So what should I do here? Do I:

A) Call them, tell them I don't need two cards ( I don't) and please actually cancel the first card? Maybe the first won't even report if I catch it soon enough?

B) The above, except ask them to move that additional $500 CL to my new card? Then at some point (now? later?) see if I can get the small bump up to the MC World? 

C) Keep them both -this would mean two new tradelines, but I added a new Amex revolver with a 2001 backdate that would help offset- get the miles deal on the little one then transfer them to the big one (is that possible?). Essentially try to get the miles deal on both. 

My concern with C, aside from the AAoA hit, is the whole "not available to existing cardmembers or existing accounts." Does this mean I can't get both deals? These are two seperate products, with seperate app processes apparently. If I am cardmember for one, am I then "an existing cardmember" where the 2nd account is concerned?

What do you guys think? Afraid to call and ask in case there's something accidentally working in my favor and I'm too much of a newbie to the miles game to know it.

Thanks!

[shols44]

I believe the initial card was closed and CLD to 500 at closure. Call to find out if the first card is actually open. 

[manzanita]

Hmmm - interesting. It doesn't indicate that anywhere just says : Credit limit $500, Avail Credit $500.

Was hoping to avoid calling in case this is an error that I might benefit from. Those are rare, I know.  

I wonder then, if it has been canceled with a CLD, will it report anyway? I know I'll get the Inq, but will there be a TL for a card that was canceled less than 24 hrs after approval?

And if it hasn't been canceled? 

[Creditaddict]

Id sit back and just a wait a minute...

Get the cards, see if they are both open (call to activate)

See if the bonuses come... at that point if a bonus fails then call about the issue... otherwise... KEEP! Auto CLI in future, get 6-12 months down the road and PC to a totally different type of Barclay card with one.

[Open123]

For Barclay, they left $500 on the a card I cancelled.  This is correct, and apparently their procedure.  

[manzanita]

Thanks, that's my instinct too -  I just worried that if there was no chance of getting both deals, then should I be actively working to prevent the erroneous account from hitting my report. 

But, if both are going to hit my report no matter what, then the harm is done and I might as well just sit and wait to see what happens. (Then of course, there are the stories I've read on here about AA from Barclays, so I worry about that too if trying to activate both. Ack!). 

I guess I wanted to guage from the experienced Fico community what the probabilities are for either scenario. One lesson I have definitely learned is that impatience hurts way more than it helps, so I'm done with apping for a long while. 

[manzanita]

@Open123 - Thanks, that's helpful to know.

[enharu]

You should be fine for the no AF card. That should be closed. However do make sure u get the sign up bonus for the AF card.

[Open123]

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@enharu wrote:
You should be fine for the no AF card. That should be closed. However do make sure u get the sign up bonus for the AF card.

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Right, my understanding is only "new" apps will trigger the bonus, whille PCs will not.  I've never had a bonus not trigger when using a link (expecially with cookies, cache and history cleared), but have had a bonus not post when promised by a CSR.

[manzanita]

I will definitely be keeping an eye on this - I wondered about the PC aspect too, though of course the rep confirmed I would get the offer but we'll see. I believe this was a recon on an app I submitted on the actual 40k deal (When I realized my mistake I went back and apped again figuring that it would use the pull from earlier in the day. The rep confirmed that it did. So, 1 HP for two apps yesterday, 1 HP today for the recon. Kind of steep. Oh well.)

Hopefully when the time comes, Barclays will honor the deal if it doesn't happen automatically. And maybe sometime down the road they'll bump me to the World MC. If they don't CLD me for that new Amex Delta Account I got yesterday.   As a side note, it wasn't so long ago that these types of cards seemed pie in the sky, so sorry if I'm a little afraid of the new terrain. 

I'll be diverting some of my spending from my Amex PRG, which I use like cash for just about everything, so I'll be hitting the spend requirement pretty quickly (then PIF, of course, as I do with my Amex). I'll probably have my answer on this by the time the second statement posts. 

Appreciate everyones help.