Barclays emailed me with an offer to do something that is strange to me. It is sort of like a Cash Advance...I suppose and they state it's to help you pay off higher APR cards...like a BT. But really, the cash could be used for anything. I don't know if I have a use case for this having recently paid down all my cards to $0 but I suppose this may be helpful to someone?
Thoughts? Opinions?
P.S. I have had no BT offers on this card since early last year until now so this is kind of surprising.
Must garden until 2/1/2022 to hit my goal AAOA. 
Is the Ring still active and open to new applications? I thought they shut this one down
@1GaDawg85 wrote:Is the Ring still active and open to new applications? I thought they shut this one down
Today I learned^.
I'm sure there are still people here with it though. I just like having the comfort of an 8% CB card...especially when they throw quirky offers like a lower APR for the next few months and actual cash to my checking for my APR rate.
Citi does this, so does BOA. It's a nice option and sometimes faster than the traditional BT - and payments to other creditors come out of your own bank account so it's not so obvious to the lender that you're actually transferring a balance.
Also great if you just need some temporary additional cash flow - even better when offered at a 0% apr and fee.
I think the standard balance transfer in the offer has always been there and the whole no fees (except a very tiny dollar amount for cash advances) thing was one of the major selling points of the card before it was revamped like a more traditional card (and then later axed completely I think). Player 2 has been getting the convenience checks since day 1 about 5 years ago with the card's standard 7.x and 8.x APRs.
While 8% isn't horrible by any means, it's still substantially higher than most traditional BT offers, unless you're planning to pay it off quickly and are comparing it to a BT offer with a fee.
@K-in-Boston wrote:I think the standard balance transfer in the offer has always been there and the whole no fees (except a very tiny dollar amount for cash advances) thing was one of the major selling points of the card before it was revamped like a more traditional card (and then later axed completely I think). Player 2 has been getting the convenience checks since day 1 about 5 years ago with the card's standard 7.x and 8.x APRs.
While 8% isn't horrible by any means, it's still substantially higher than most traditional BT offers, unless you're planning to pay it off quickly and are comparing it to a BT offer with a fee.
You are right there. I used to get those convenience checks every month then covid happened. Maybe my resillience score wasn't very high and that's what triggered them to stop letting me do BT's with them (I have no clue what mine is but my scores are 800+ so IDK what else it could be).
Regarding the rate, it's not phenomenal but I am not one to apply for a CC for the sake of paying something off over time. I can pay most of my purchases rather quickly, if not, usually Best Buy has a solution for me...if not I move onto Plan It, Pay It, and if that's too costly then Ring is my fallback. I've compared it to most of those "Buy now, pay over time" (Affirm) services and it usually ends up beating those too. So while many here would just app for another card and use 0% APR for 2X months, I'll make do with what I have.
Currently working on raising my AAOA. But that's just me! 
