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Does Barclays allow 2 cards? I have the Cash Rewards which gets minimum use, and was thinking of getting the apple card to finance a new computer. Or could I product change my cash rewards card into the apple card? Thoughts... Thanks
You could ask for a PC if you don't want to take a HP. IDK of any restrictions on the number of cards you can have with Barclay.
Multiple cards with Barclays is fine. I think they do have exposure limits which do change over time based on your score and usage. I had the Cash Rewards card when I applied for the SM card. I got a $9600 limit on it when at the same time my limit on the Cash card was $1000. I called the underwriters and asked if they could increase my limit to 10K and during the conversation it appeared they could have increased it to 12K or 15K. I didn't take it, but did get them to also increase my Cash card to 2K. Since then my SM card has increased to 14K, which means that the two combined limits is higher that the total they were offering at the time of the SM app.
As far as PC'ing to the Apple card, that might not be an offer. Some banks won't allow PCs to cobranded or from cobranded cards, except sometimes to another cobranded card.
If you have been with Barclays over a year then it might be a good time to simply apply for the Apple card. I am not sure of the rewards structure on the card, but the Cash Rewards card might actually pay out more than the points with the Apple card. I think the biggest benefit to the Apple card is simply extended financing at 0% if I am correct?
@Jpmack29 wrote:Does Barclays allow 2 cards? I have the Cash Rewards which gets minimum use, and was thinking of getting the apple card to finance a new computer. Or could I product change my cash rewards card into the apple card? Thoughts... Thanksa
I have the L.L. Bean Visa (great card for Christmas shopping). I got the Apple card to finance my iPad. You can only finance what Apple tells you you can finance with it so unless you plan on buying a whole lot of Apple products it really is a waste of a card. The interest rate is high so carrying a balance is a no go and Barclays would not lower the APR. After I was finished paying off my iPad I just transferred the limit to my L.L. Bean Visa and closed the Apple card. I did try to PC the card to the ring but I could only PC it to other store branded cards.
Yeah the only reason was for the financing. I like to keep new Apple products so it would fit s need