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For just about anything you want to get off your chest about credit cards.
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PlyrStar93
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Postby PlyrStar93 » Sun Aug 24, 2014 12:47 pm

CarefulBuilder14 wrote:The Barclays Visa Black Card invitations are not necessarily exclusive...

Actually there is no need to be invited if someone wants to apply for. Their official site has link to the application, basically the same as other banks. The so called "exclusive" or "limited" or whatever invites are essentially ads.

Also I do have read a bunch of articles about how this card is a rip off or something. I really don't have too much spending power for such a $500 annual fee card, anyways after opening 3 accounts in the past few months I'm not going to see any more until next year. Maybe some time I change my mind and get CSP or whatever, just who knows.

CarefulBuilder14 wrote:As far as the 'limited information' I suppose Barclays won't know when other cards are open until they do another hard pull (for a CLI, perhaps)...good to know!
As far as "limited information", I did try to figure out what exactly they are. I did Google searches but could not come up with a conclusion.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.


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CarefulBuilder14
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Postby CarefulBuilder14 » Sun Aug 24, 2014 2:15 pm

PlyrStar93 wrote:As far as "limited information", I did try to figure out what exactly they are. I did Google searches but could not come up with a conclusion.


I wasn't thinking about the 'prequalifying applicant' pulls for mailing ads/invitations as much as I was thinking about how Discover, Barclays, and FNBO tell many or all of their customers one FICO that updates each month. Discover and Barclays report the TU FICO.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

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onion
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Location: Jacksonville, FL

Postby onion » Sun Aug 24, 2014 2:29 pm

CarefulBuilder14 wrote:Does Barclays 'subscribe' to customers' full credit reports through soft pulls? Or they just get FICO scores each month from TU?


I've had my card for under two weeks and have had 3 FICO updates. I guess it's just soft pulls. I started at 719, dipped at 712 once my hard pull showed up on TU, then bounced up to 728. They alert you by email when the score updates which is nice.
FICO TU - 728 - 8/14
FICO EX - 716 - 7/14
FICO EQ - 740 - 7/14

Bank of America Cash Rewards - $2,400
Best Buy - $3,000
American Express Blue Cash Everyday - $8,000
American Express Everyday - $10,000
Discover It Chrome - $500 (AU on fiancée's card, helping her build credit)
American Express Platinum - NPSL
Barclaycard Arrival+ - $3,000
Capital One Yamacard - $11,000

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onion
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Postby onion » Sun Aug 24, 2014 2:31 pm

Bama87 wrote:Thanks for the heads up. I'll get that one done this afternoon then. Then I'll be done till Jan/Feb.

Edut: Barclay's approved as well.


Congrats! Btw, is your username a reference to the car tuning company?
FICO TU - 728 - 8/14

FICO EX - 716 - 7/14

FICO EQ - 740 - 7/14



Bank of America Cash Rewards - $2,400

Best Buy - $3,000

American Express Blue Cash Everyday - $8,000

American Express Everyday - $10,000

Discover It Chrome - $500 (AU on fiancée's card, helping her build credit)

American Express Platinum - NPSL

Barclaycard Arrival+ - $3,000

Capital One Yamacard - $11,000

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CarefulBuilder14
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Postby CarefulBuilder14 » Sun Aug 24, 2014 2:57 pm

onion wrote:I've had my card for under two weeks and have had 3 FICO updates. I guess it's just soft pulls. I started at 719, dipped at 712 once my hard pull showed up on TU, then bounced up to 728. They alert you by email when the score updates which is nice.


Wow! I didn't realize they gave instant updates.

I assumed it would be like Discover where they just report it once a month - about a week before my statement date.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

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otter
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Location: Grand Forks, ND

Postby otter » Sun Aug 24, 2014 3:23 pm

CarefulBuilder14 wrote:Does Barclays 'subscribe' to customers' full credit reports through soft pulls? Or they just get FICO scores each month from TU?


I could be mistaken, but I think they use their most recent soft pull. They always pull once a month (right around statement date in my case), but Barclays has been known to soft pull frequently if they see you've been apping a lot.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

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CarefulBuilder14
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Postby CarefulBuilder14 » Sun Aug 24, 2014 3:29 pm

otter wrote:I could be mistaken, but I think they use their most recent soft pull. They always pull once a month (right around statement date in my case), but Barclays has been known to soft pull frequently if they see you've been apping a lot.


That could be it. I use CK a lot and haven't seen my actual complete TU report in a long time. Discover could just be soft-pulling it each month.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

Bama87
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Location: USA

Postby Bama87 » Sun Aug 24, 2014 5:57 pm

onion wrote:Congrats! Btw, is your username a reference to the car tuning company?


Thanks and it is not



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