Wyndham Rewards Earner 'Access' card

Anonymous · ‎07-13-2022

Received mailer, it says prequalified and signing bonus is different than the webpage, Earner Visa sig is 30k pts for 1k spend/90days, whereas mine is 7.5k pts for 500/90 days.

Otherwise same rewards structure including no FTF.

And APR is fixed, a horrendous 30.74% lol.

I've stayed on Wyndham properties and aside from hotel stays, best use will be 5x pts for gas(2x for dining and grocery).

Probably not gonna apply for it but curious, my first Barclays mailer and I apped for AA Aviator Red in January(for the easiest miles earn lol) and was declined.

Heard they pull TU and my sig is current, although Disco website says only 2 HPs, weird. Those were mostly CO ones, and Barclays did pull in January. That month was the last HP for TU methinks, for CO SO.

Any thoughts? I've browsed Wyndham/Barclay posts here and some got toy SLs lol. Thank you.

coldfusion · ‎07-14-2022

BarclayUS is mostly known for being a TU puller but it can vary, in part depending on which state you live in.

I would consider it a small win that BarclayUS would send you a targeted prequalifier as they have a track record of being pretty legit but with that watered down SUB and high APR I would suggest you pass on this one.

(2/2025)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion

Anonymous · ‎11-04-2022

Now I wonder if I should've apped to 'get in' with Barclays, if I was approved even with a toy limit, would I have had better chance this time apping for Hawaiian? Something to think about, or is my file too young/thin anyway.

SouthJamaica · ‎11-05-2022

@Anonymous wrote:
Now I wonder if I should've apped to 'get in' with Barclays, if I was approved even with a toy limit, would I have had better chance this time apping for Hawaiian? Something to think about, or is my file to young/thin anyway.

No, in my experience Barclays doesn't work that way. They hold it against you, inquiry-wise, that you recently applied for a new card, even if it's one of theirs.

IMHO they are a very creepy outfit.

Unify FCU Platinum Visa Variable Rate 35k

TD Bank Business Solutions Visa (Bus) 25k

FNBO Evergreen Business Edition Visa (Bus) 20k

Liberty (formerly Evansville Teachers) FCU Platinum Prime Plus MC 15k

US Bank Triple Cash Rewards Visa (Bus) 12k

Geo-fenced credit union Platinum Visa 10500

Members 1st FCU Low Rate Platinum Visa 5k

PLOC: Langley FCU 40k; Penfed CU 15k; NFCU 15k; Teachers FCU 15k; Affinity FCU 10k. BLOC: NFCU 5k

Total revolving limits 569520 (505320 reporting) FICO 8: EQ 689 TU 684 EX 685

Anonymous · ‎11-05-2022

@SouthJamaica wrote:
@Anonymous wrote:
Now I wonder if I should've apped to 'get in' with Barclays, if I was approved even with a toy limit, would I have had better chance this time apping for Hawaiian? Something to think about, or is my file to young/thin anyway.
No, in my experience Barclays doesn't work that way. They hold it against you, inquiry-wise, that you recently applied for a new card, even if it's one of theirs.

IMHO they are a very creepy outfit.

Hmm, maybe I should've apped for Hawaiian first, then WF Bilt, but thought Bilt was trickier with an EX pull, so had no choice there. Frankly thought I had better odds with Barclays since it pulled TU, which has FAR fewer inquiries Oh well, not gonna app for Barclays any time soon I guess...the one denial among 5 apps this past 1.5 weeks!