PC Barclays MC Rewards to Ring or I'm closing it!!

907grown · ‎10-27-2014

So I've had my rewards for 1.5 years, used it regularly paid, etc... Have had 3 auto CLI. now that I have gotten some good cards with larger limits and 0%, I have paid off MC rewards and am not really sure what to do with it. Can I ask for a PC to ring? This 25% interest is keeping me from using this card at all anymore and the intrest rate does give me some heartburn..... I have asked for a few CLI and all have been denied because my "recent auto CLI".... What do I do with this?

Starting Score: 460
Current Score: EQ 764, TU 764, EX 740,
BOA AK AIR 30,000, Discover IT 6300, Freedom 25,300, Barclays RMC 15,660, Ring 15,000, BCE 15,000, QS17,000,AARP 15,000, ChaseFU 8,000,AND A LOT MORE!

CreditCuriosity · ‎10-27-2014

Transfer you CL to your US Airways and close it is probably your best bet

SunriseEarth · ‎10-27-2014

@907grown wrote:
So I've had my rewards for 1.5 years, used it regularly paid, etc... Have had 3 auto CLI. now that I have gotten some good cards with larger limits and 0%, I have paid off MC rewards and am not really sure what to do with it. Can I ask for a PC to ring? This 25% interest is keeping me from using this card at all anymore and the intrest rate does give me some heartburn..... I have asked for a few CLI and all have been denied because my "recent auto CLI".... What do I do with this?

It doesn't hurt to ask if you can PC it. If not, then +1 to prior suggesstion of reallocating CL to US Airways

907grown · ‎10-27-2014

So will closing this card reflect poorly on me? I really want sallie Mae at some point....

Starting Score: 460
Current Score: EQ 764, TU 764, EX 740,
BOA AK AIR 30,000, Discover IT 6300, Freedom 25,300, Barclays RMC 15,660, Ring 15,000, BCE 15,000, QS17,000,AARP 15,000, ChaseFU 8,000,AND A LOT MORE!

CreditCuriosity · ‎10-27-2014

Closing it will only hurt your AAOA after 10 years. If you transfer your CL, it will have no impact on your utilization, but your impact your AAOA after along time in the future. No near term downfalls imo

Edit: errr is it 7 or 10 wills it will continue to report... tired, someone will correct if not 10 and 7 instead

Anonymous · ‎10-27-2014

Could the Rewards MC be PC'd to SM WMC?

CreditCuriosity · ‎10-27-2014

@Anonymous wrote:
Could the Rewards MC be PC'd to SM WMC?

Nixon, I can see you are still in distress about the SM card lol... As others stated it doesn't hurt to try on your wifes card I believe, they worse they can say is no, right?

907grown · ‎10-27-2014

@Anonymous wrote:
Could the Rewards MC be PC'd to SM WMC?

That's an idea too.... I don't want to apply for anything though.... I'm gardening now.... But it is okay to smell the flowers outside of the garden as long as they're not picked right?...

What has been anyone's experience with SM vs calling and talking to CSR? Better results either way?

Starting Score: 460
Current Score: EQ 764, TU 764, EX 740,
BOA AK AIR 30,000, Discover IT 6300, Freedom 25,300, Barclays RMC 15,660, Ring 15,000, BCE 15,000, QS17,000,AARP 15,000, ChaseFU 8,000,AND A LOT MORE!

Anonymous · ‎10-27-2014

talk to EO, rather than front line CSR, because CSR told me I couldn't pc my rewards card to arrival.

Anonymous · ‎10-27-2014

@CreditCuriousity wrote:
@Anonymous wrote:
Could the Rewards MC be PC'd to SM WMC?
Nixon, I can see you are still in distress about the SM card lol... As others stated it doesn't hurt to try on your wifes card I believe, they worse they can say is no, right?

Well...Yeah!

I'll give their Recon team this much. They're consistent..

I may have to settle for an AU Sallie Mae if they allow the PC.