Tell me about Barclays...

[WarJar101]

Is there any benefit in getting a rewards card from these guys, or is the BCE, Freedom, IT trifecta good enough for pretty much everything that exists to get a cashback on ?

The only thing I know about these guys is that there good with recons, and are known for CLDs, also very INQ sensitive. Anything positive or negative that I missed? Fill me in.

[LS2982]

If your not planning on any app sprees they have a decent rewards card with a good intro 0% APR and BT promo. I personally like their card.

[Anonymous]

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@WarJar101 wrote:

Is there any benefit in getting a rewards card from these guys, or is the BCE, Freedom, IT trifecta good enough for pretty much everything that exists to get a cashback on ?

The only thing I know about these guys is that there good with recons, and are known for CLDs, also very INQ sensitive. Anything positive or negative that I missed? Fill me in.

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Their priceline Visa, in the 2% version, fills in any gaps left by other cards.  This or the Fidelity Amex (and Priceline, being a Visa, is more accepted) are very useful, making 2% the minimum on all purchases

[BCGCredit]

The Ring card has a profit sharing reward.

[Open123]

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@Anonymous wrote:

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@WarJar101 wrote:

Is there any benefit in getting a rewards card from these guys, or is the BCE, Freedom, IT trifecta good enough for pretty much everything that exists to get a cashback on ?

The only thing I know about these guys is that there good with recons, and are known for CLDs, also very INQ sensitive. Anything positive or negative that I missed? Fill me in.

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Their priceline Visa, in the 2% version, fills in any gaps left by other cards.  This or the Fidelity Amex (and Priceline, being a Visa, is more accepted) are very useful, making 2% the minimum on all purchases

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+1

Excluding sign up bonsues, this and their "Arrival" are their best overall cards, in my estimation.  

[youngandcreditwrthy]

I got a free night stay at Hilton Anatole in Dallas(pretty nice hotel!) with my Travelocity Amex.
And they have awesome BT deals!
Plus they're good with recons.
Customer Service is kinda iffy, but the features are decent w most of their cards. The regular aprs aside from promos SUCK though, so beware!

[WarJar101]

Thanks for the responses guys. So how is Barclays with CLIs? (HP or SP). And how sensitive are they with recent INQs prior to applying?  Which bureau do they pull?

[Anonymous]

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@WarJar101 wrote:

Is there any benefit in getting a rewards card from these guys, or is the BCE, Freedom, IT trifecta good enough for pretty much everything that exists to get a cashback on ?

The only thing I know about these guys is that there good with recons, and are known for CLDs, also very INQ sensitive. Anything positive or negative that I missed? Fill me in.

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And apart from Barclays, I think many of us would differ in your choice of the trifecta.  For almost anyone who can get it, the Penfed Plat Rewards is better than the BCE, for a large number the BCP is better than the BCE (and  if you can get one you can get the other).  I'm one who prefers fixed (or nearly fixed) reward categories, such as Forward/Cash Plus rather than rotators, which put you at the mercy of the issuers choice.

[Open123]

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@WarJar101 wrote:

Thanks for the responses guys. So how is Barclays with CLIs? (HP or SP). And how sensitive are they with recent INQs prior to applying?  Which bureau do they pull?

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They always pull TU, but for some cases where they may see risk, they'll pull a second, or even all three.  In general, they seem pretty sensitive to inquiries, and more so than other lenders, but I doubt excessive inquiries alone would be reason enough for a declination.

I've never had CLI offer from them, only one where if I write a balance check, they'll increase my CL by the amount of the check.  If I recall, they do offer CLs with only SPs?

[youngandcreditwrthy]

Well,
Ime... They do auto clis every 6-7 months if your balance is low.
My clis have been sp over the phone, but Im fairly certain they will HP if you request online.
And they have always pulled/softed TU ime.