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PC ARR+ to ARR to avoid AF

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morgacj2004
Valued Contributor

PC ARR+ to ARR to avoid AF

So I got a letter from BC that my AF is coming due next month. Asked to waive the fee and was told no they don't do that. Was told that my only option is to downgrade to the no fee ARR. Was told I would keep any miles curr accrued and get 1k bonus the first time I would use the ARR I just don't find enough value in the ARR+ $89AF to keep the card esp since I have the PFCU travel reward and CapOne Venture. Am I doing the right thing here?

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550
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5 REPLIES 5
CreditCuriosity
Moderator Emeritus

Re: PC ARR+ to ARR to avoid AF

IMO you did the right thing as the card is blah after the 1st year being the sing-up bonus especially since the nerf/nerfs.  Keep the regular arrival around and possibly barclay's might offer something new and more exciting in the future and then apply for that then transfer CL to new card and 86 the Arrival.  Just my take on what I would do..  holding pattern, basically SD it and use it every 3 to 6 monthsSmiley Happy

Message 2 of 6
morgacj2004
Valued Contributor

Re: PC ARR+ to ARR to avoid AF

Thanks CC. Good advice 


AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550
Message 3 of 6
Absolution16
Frequent Contributor

Re: PC ARR+ to ARR to avoid AF

Yeah, I think it is a great call to downgrade your Arrival + to the No-AF version.  I know that websites like the PointsGuy keep praising this card, but I can't see why this card is so special at all.  Not only did they nerf the 10% redemption miles back bonus to 5%, the minimum redemption on this card is $100, which is super annoying.  It is Chip-and-PIN enabled, supposedly, but the experience with that varies so much.  My No-AF version, which I was also told from Barclays that it was Chip-and-PIN didn't even work.

 

I hope you got your sign-up bonus though.  Make sure you use up your miles accrued, since it is not flexible and cannot be transferred.

Message 4 of 6
Anonymous
Not applicable

Re: PC ARR+ to ARR to avoid AF

I am downgrading in April before my AF hits as well. Deosn't make too much sense to keep as it is just 2% but the no AF card is nice for traveling if you have no other means for a FTF free card.

Message 5 of 6
wasCB14
Super Contributor

Re: PC ARR+ to ARR to avoid AF

It may be wise to downgrade when you can. At some times (I'm not sure about recently) CSRs have told some Arrival+ holders that no PC downgrade was allowed.

 

*Then again, Barclaycard CSRs do tend to just make stuff up when they don't know the answer to a question.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
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