@Erica1 wrote:
I keep reading all these posts about watching what you do after receiving a Barclays card and all the account closures, CLDs, etc. So what is it about Barclays that still makes people want their cards? Do they have some amazing product out there that makes tiptoeing around them worth it? Or is this something they recently just started happening to people who have had accounts for a while? Not knocking anyone for their choice to get them, I'm just really curious.
I like mine because it's the closest thing to prime I have in my wallet and I don't want to lose it. I've never had a problem with them so far.
@Erica1 wrote:
I keep reading all these posts about watching what you do after receiving a Barclays card and all the account closures, CLDs, etc. So what is it about Barclays that still makes people want their cards? Do they have some amazing product out there that makes tiptoeing around them worth it? Or is this something they recently just started happening to people who have had accounts for a while? Not knocking anyone for their choice to get them, I'm just really curious.
The fact is that the AA you read about Barclay's is rare. The rest of us don't post, "I have Barclays and they haven't CLD me." 
You only read about the negatives, for the most part.
Also, there are things that trigger AA from Barclay's, like opening new CCs shortly after theirs. They don't just do it out of the blue for no reason. If you ask for a CLI and they do a manual review, and they see something that's a red flag for them, then they could take AA. So, IMO, it's better to stay under their radar. But if you don't have anything that would be a red flag to them, then there's really nothing to worry about. (Red flags might be a lot of inq (which means you're looking for a lot of new credit), a lot of new accounts being opened, high util on your CCs.)
IMO, the positives for Barclays: The Apple card has 0% financing (why I got it). They recon, where a lot of CCs don't. So, if you're denied or receive a CL lower than you want, you can call and often get approved or get a higher CL. Also, their CS is really about the best I've seen, either with CCCs or other businesses for that matter. They are really very friendly and helpful and knowledgeable (instead of giving you scripted or incorrect answers!).
Personally, my experience with them has been very positive, and I look forward to building a long-term relationship with them.
@bichonmom wrote:
@Erica1 wrote:
I keep reading all these posts about watching what you do after receiving a Barclays card and all the account closures, CLDs, etc. So what is it about Barclays that still makes people want their cards? Do they have some amazing product out there that makes tiptoeing around them worth it? Or is this something they recently just started happening to people who have had accounts for a while? Not knocking anyone for their choice to get them, I'm just really curious.The fact is that the AA you read about Barclay's is rare. The rest of us don't post, "I have Barclays and they haven't CLD me."
Also, there are things that trigger AA from Barclay's, like opening new CCs shortly after theirs. They don't just do it out of the blue for no reason. If you ask for a CLI and they do a manual review, and they see something that's a red flag for them, then they could take AA. So, IMO, it's better to stay under their radar. But if you don't have anything that would be a red flag to them, then there's really nothing to worry about. (Red flags might be a lot of inq (which means you're looking for a lot of new credit), a lot of new accounts being opened, high util on your CCs.)
IMO, the positives for Barclays: The Apple card has 0% financing (why I got it). They recon, where a lot of CCs don't. So, if you're denied or receive a CL lower than you want, you can call and often get approved or get a higher CL. Also, their CS is really about the best I've seen, either with CCCs or other businesses for that matter. They are really very friendly and helpful and knowledgeable (instead of giving you scripted or incorrect answers!).
Personally, my experience with them has been very positive, and I look forward to building a long-term relationship with them.
+1
I look forward to it myself!