Barclays Arrival

[kdm31091]

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@Dw4250 wrote:

Arrival had a great sign up bonus.  But the AF is relatively high, and you really need a high spend rate to justify what is basically a 2.2% cash back card.  

My plan for my Arrival+ is to try to get the CL as high as possible through SP requests every couple fo months until the next AF is due, then close it and roll the limit to my Sallie Mae.

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And with the upcoming changes, it becomes a 2.1% card, even more spend to justify.

Just out of curiosity, why the need for a large limit on Sallie? The caps are pretty low, and spending for 1% on it makes little sense especially given your other cards.

[Anonymous]

the explanation given for the need for the high sallie limit is basically padding for utilization along with not losing $9k in trade lines...

[Dw4250]

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@Anonymous wrote:
the explanation given for the need for the high sallie limit is basically padding for utilization along with not losing $9k in trade lines...

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^^^

This.  Since Barclays gives us the option of moving credit lines around, it makes sense to keep the extra $9k even though I will never put more than $1000-1500 through the Sallie Mae on any given month.

[kdm31091]

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@Dw4250 wrote:

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@Anonymous wrote:
the explanation given for the need for the high sallie limit is basically padding for utilization along with not losing $9k in trade lines...

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^^^

This.  Since Barclays gives us the option of moving credit lines around, it makes sense to keep the extra $9k even though I will never put more than $1000-1500 through the Sallie Mae on any given month.

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To a point, I get the utilization thing.

However, you have to keep in mind, every bit of credit you have is counting for your credit vs income, which is something looked at when you apply for cards. If your income is say 40k and one credit limit is 9k, you're using up some credit you could potentially have on a more useful card, because unless you are wealthy you're not going to get unlimited credit.

This is the reason why people occasionally voluntarily CLD their accounts - it's to "make room" so that they can have approvals/CLIs on things they actually want or will use more often. So while the whole "I want a large limit just because" sounds good, don't go too far with it because it can backfire on you eventually. (Especially seeing how many cards you already have)

[Saleen099]

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@corymcd88 wrote:

Is the Barclays Arrival card a thing of the past? It is not on the website any longer and when I called Barclays they told me the card is going away.

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YES CRS  confirm today that they will be getting rid of the arrival+. Some  kind of  Notification before the end of the month. Still a $89 annual fee.  Instead of 10% Back it will be 5% now.  When redeeming your points for travel now redemptions start at 10k  miles for $100 toward all or a portion of your travel purchases made in the last 120 days.

5k for statement $25. 

[Anonymous]

I wonder if they will be replacing it with something new.

[Anonymous]

I wonder what they will come out with as replacement for Arrival and arrival plus. I haven't used card much since I got few other cards. I have about 4k rewards, I might just cut my loss and transfer limits to aviator card.

[noobody]

I think they should reduce AF and signing bonus, otherwise, they just beg people take the bonus and jump ship.
They did waive my 2nd year AF with light spending, I will keep the card because of the rarity of chip and pin feature

[morgacj2004]

I have an arrival and arrival +. I was told that they are NOT getting rid of either but are making changes in regards to the card benefits.   Not sure what to believe.  

[Saleen099]

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@morgacj2004 wrote:

I have an arrival and arrival +. I was told that they are NOT getting rid of either but are making changes in regards to the card benefits.   Not sure what to believe.  

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Me and you both. I just reconfirmed by calling the backdoor number  and talk to credit  analyst and she confirmed the same thing I said but if anybody else would do me a favor and call up and see if they get the same answers that I got.  Also they are doing away with the TripIt app that was free  Will know longer be free.  Also you will be able to apply  for the arrival the middle of this month 15th or later on.  Like I said please reconfirm maybe somebody can get more information than what  was given to me.