I had a strange issue with Barclays. I got the financing card, thinking I was going to buy an Apple and then decided not to. I then asked if I could PC and they said yes and even if you are declined then you can PC. Well I got the 7-10 day message so I called them to recon it. They told me that they would not open the Rewards card and in fact they were going to close the Apple card. I was like, 'what?' They were like, 'Yup! Too many new accounts.' I pointed out that even with the new accounts that I was not abusing them, nor had I even used the Apple card. We went around for a bit as I escalated it up and that person was very much leave me alone and the answer is NO. I demanded to speak with the manager, who was not available because she did not have a headset. I said no problem, simply get her and give her yours. I got put on hold finally and then the lady came back and told me they would open the account but would not give me as high a credit limit as before. They told me I could have $1500 and then gave me $750 and I had to call back about that later to get it to the $1500. So be careful when you try this with Barclays, you might get it it and you might get something you don't expect.
It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
Starting Score: 433
