Has anyone successfully done this....?

For just about anything you want to get off your chest about credit cards.
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Red_Rena
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Location: United States

Has anyone successfully done this....?

Postby Red_Rena » Fri Aug 08, 2014 3:57 pm

PC their Juniper card to any Barclay branded card? I was told it was a no go.
EQ 861
EX 08 869
TU 08 822

American Express Blue Cash Everyday $16,000 (6/2014)
Bank of America Better Balance Rewards $3800 (7/2003)
Bank of America Cash Rewards Visa Signature $6000 (3/2012)
Barclaycard Rewards $8200 (2005)
Capital One Quicksilver $4750 (12/2010)
Capital One Quicksilver $4000 (3/2011)
Chase Freedom $2000 (9/2003)
Citi Dividend $5700 (6/2013)
First National Bank of Omaha Visa Platinum $9000 (2011)
Bill Me Later (PayPal Credit) $1960 (2011)


iHackerSix
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YES!

Postby iHackerSix » Fri Aug 08, 2014 7:03 pm

Keep trying, trust me. I tried to PC my Apple Financing Visa card at least 6 times over the course of the last year and finally got them to crack! I kept calling and insisting that I no longer purchased Apple products and wanted there Barclays Rewards card. They kept saying no but this last time I got a rep that said sure let me start the process! I was ecstatic and it was done. The only thing however was that it was PC'D to a Barclay Rewards Visa card, not a MasterCard! I know it's the same rewards but I wanted a MasterCard in my arsenal. Oh well, at least I'm out of the Apple Financing useless card :cool: So again I'll reassure you, it CAN be done, don't give up and always ask politely :D

Red_Rena
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Postby Red_Rena » Fri Aug 08, 2014 7:12 pm

iHackerSix wrote:Keep trying, trust me. I tried to PC my Apple Financing Visa card at least 6 times over the course of the last year and finally got them to crack! I kept calling and insisting that I no longer purchased Apple products and wanted there Barclays Rewards card. They kept saying no but this last time I got a rep that said sure let me start the process! I was ecstatic and it was done. The only thing however was that it was PC'D to a Barclay Rewards Visa card, not a MasterCard! I know it's the same rewards but I wanted a MasterCard in my arsenal. Oh well, at least I'm out of the Apple Financing useless card :cool: So again I'll reassure you, it CAN be done, don't give up and always ask politely :D


When I called on Monday, the rep placed me on hold for a while. My hopes were dashed when she came back and said that because it was Juniper, I couldn't PC. I don't understand why since Juniper is owned by Barclay's. I just wanted to convert to either the Rewards MasterCard(the one for excellent credit I believe has a higher percentage rate for rewards IIRC) or the Upromise MasterCard. I was told that if I wanted either of those cards, I would have to apply. Ugh!
EQ 861

EX 08 869

TU 08 822



American Express Blue Cash Everyday $16,000 (6/2014)

Bank of America Better Balance Rewards $3800 (7/2003)

Bank of America Cash Rewards Visa Signature $6000 (3/2012)

Barclaycard Rewards $8200 (2005)

Capital One Quicksilver $4750 (12/2010)

Capital One Quicksilver $4000 (3/2011)

Chase Freedom $2000 (9/2003)

Citi Dividend $5700 (6/2013)

First National Bank of Omaha Visa Platinum $9000 (2011)

Bill Me Later (PayPal Credit) $1960 (2011)

iHackerSix
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Posts: 58
Joined: Sun Aug 04, 2013 4:21 pm
Location: USA

Postby iHackerSix » Fri Aug 08, 2014 7:37 pm

Red_Rena wrote:When I called on Monday, the rep placed me on hold for a while. My hopes were dashed when she came back and said that because it was Juniper, I couldn't PC. I don't understand why since Juniper is owned by Barclay's. I just wanted to convert to either the Rewards MasterCard(the one for excellent credit I believe has a higher percentage rate for rewards IIRC) or the Upromise MasterCard. I was told that if I wanted either of those cards, I would have to apply. Ugh!


Yeah I heard the exact same bologna from Barclays Reps many times, keep trying. Once-twice per month should do it. Barclays doesn't own Juniper, Juniper was the name of Barclays credit offerings here in the US but left the Juniper name and started going by the BarclayCard name like they did in Europe and elsewhere. So essentially, Juniper IS Barclays and therefore you should be able to PC to any card they have pending approval from BarclayCard. Like I said before, I did it but it took me the better part of a whole year. I did however ask many times what my choices would be IF a PC was available and they always told me the BarclayCard Rewards would be the only choice so I don't know if you'd be able to get the UPromise card.

Red_Rena
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Postby Red_Rena » Sat Aug 09, 2014 7:50 am

iHackerSix wrote:Yeah I heard the exact same bologna from Barclays Reps many times, keep trying. Once-twice per month should do it. Barclays doesn't own Juniper, Juniper was the name of Barclays credit offerings here in the US but left the Juniper name and started going by the BarclayCard name like they did in Europe and elsewhere. So essentially, Juniper IS Barclays and therefore you should be able to PC to any card they have pending approval from BarclayCard. Like I said before, I did it but it took me the better part of a whole year. I did however ask many times what my choices would be IF a PC was available and they always told me the BarclayCard Rewards would be the only choice so I don't know if you'd be able to get the UPromise card.


iHacker,
When they finally PC'd it, was it a HP or SP?
EQ 861

EX 08 869

TU 08 822



American Express Blue Cash Everyday $16,000 (6/2014)

Bank of America Better Balance Rewards $3800 (7/2003)

Bank of America Cash Rewards Visa Signature $6000 (3/2012)

Barclaycard Rewards $8200 (2005)

Capital One Quicksilver $4750 (12/2010)

Capital One Quicksilver $4000 (3/2011)

Chase Freedom $2000 (9/2003)

Citi Dividend $5700 (6/2013)

First National Bank of Omaha Visa Platinum $9000 (2011)

Bill Me Later (PayPal Credit) $1960 (2011)

iHackerSix
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Posts: 58
Joined: Sun Aug 04, 2013 4:21 pm
Location: USA

Postby iHackerSix » Sat Aug 09, 2014 11:02 am

Red_Rena wrote:iHacker,
When they finally PC'd it, was it a HP or SP?


No pull at all! Not HP or SP, just an account conversion in Barclays Rep terminology. Wish ya good luck!

iHackerSix
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Posts: 58
Joined: Sun Aug 04, 2013 4:21 pm
Location: USA

Postby iHackerSix » Sat Aug 09, 2014 11:05 am

On another note Red_Rena, you've got some great cards and limits! I'm wondering why you don't combine your BofA Cash Rewards cards into one by reallocating your credit limits and keep just one of the two? It seems to make things easier to manage in my eyes but maybe that's just my OCD?! =)

Since you have a Visa Signature Cash Rewards I would move the 1,000 limit over to it making it a 7,000 card and closeout the 1,000 limit cash rewards card. I see it's your oldest credit line but the effects of a positive account stay on your CR for 10 years so if you moved the limit over rather than just close it you'd essentially be losing NOTHING.

PS: you didn't ask for my opinion on this subject but my OCD made me ask ya, lol =)

Red_Rena
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Postby Red_Rena » Sat Aug 09, 2014 11:37 am

iHackerSix wrote:On another note Red_Rena, you've got some great cards and limits! I'm wondering why you don't combine your BofA Cash Rewards cards into one by reallocating your credit limits and keep just one of the two? It seems to make things easier to manage in my eyes but maybe that's just my OCD?! =)

Since you have a Visa Signature Cash Rewards I would move the 1,000 limit over to it making it a 7,000 card and closeout the 1,000 limit cash rewards card. I see it's your oldest credit line but the effects of a positive account stay on your CR for 10 years so if you moved the limit over rather than just close it you'd essentially be losing NOTHING.

PS: you didn't ask for my opinion on this subject but my OCD made me ask ya, lol =)


iHacker,
I tried just yesterday, lol! The rep told me he could move over $800, and it would be a hard pull. I wanted to tell him to shove it, but instead I politely declined. Since they won't remove the AF, I'm simply going to close the account. I really wanted to combine the 2 on the Signature, but BofA is really being inflexible with me. They screwed up a PC from the old World Points, that's how I ended up with 2 cards in the first place. Once I got the Cash Rewards, I called to have the rest moved over and was told I could not. So, I found out too late the rep had opened a second account instead of doing a PC - against my wishes. Dummy me never fought it with a higher up. Fast forward 2 years - not a dang thing I can do about it. These boards have taught me not accept the first answer I'm given.
EQ 861

EX 08 869

TU 08 822



American Express Blue Cash Everyday $16,000 (6/2014)

Bank of America Better Balance Rewards $3800 (7/2003)

Bank of America Cash Rewards Visa Signature $6000 (3/2012)

Barclaycard Rewards $8200 (2005)

Capital One Quicksilver $4750 (12/2010)

Capital One Quicksilver $4000 (3/2011)

Chase Freedom $2000 (9/2003)

Citi Dividend $5700 (6/2013)

First National Bank of Omaha Visa Platinum $9000 (2011)

Bill Me Later (PayPal Credit) $1960 (2011)

iHackerSix
Platinum Member
Platinum Member
 
Posts: 58
Joined: Sun Aug 04, 2013 4:21 pm
Location: USA

Postby iHackerSix » Sat Aug 09, 2014 12:58 pm

Red_Rena wrote:iHacker,
I tried just yesterday, lol! The rep told me he could move over $800, and it would be a hard pull. I wanted to tell him to shove it, but instead I politely declined. Since they won't remove the AF, I'm simply going to close the account. I really wanted to combine the 2 on the Signature, but BofA is really being inflexible with me. They screwed up a PC from the old World Points, that's how I ended up with 2 cards in the first place. Once I got the Cash Rewards, I called to have the rest moved over and was told I could not. So, I found out too late the rep had opened a second account instead of doing a PC - against my wishes. Dummy me never fought it with a higher up. Fast forward 2 years - not a dang thing I can do about it. These boards have taught me not accept the first answer I'm given.


Wow! I can't believe it, seriously. A HP to move over 800.00 of credit they've already extended you?! That's insane to me because Chase did this for me in about 4 minutes with one phone call and no HP, SP, or pull of any kind for that matter! They didn't even ask my income, work, or related info because according to the Chase Rep it's credit they've already extended me to it's not an issue to move it about. As for BofA, I absolutely love there online banking due to the speed of bills getting paid, various ID theft they've saved me from, and quick refunds from unauthorized purchases. As a bank I actually love them but as a credit card company they're not that great. I was able to acquire a CSP with a 13,500 limit, Discover IT with a 5,000 limit, and Amex with NPSL all while BofA gave me a denial for there Cash Rewards card with a counter offer for the 99/500 partial secured card. Well since I already took the HP, I accepted it, kept it 12 months, got it unsecured with the same 500 limit and no CLI! Overall I have a decent score, decent income, and received great limits from everyone else except the bank I've had for the better part of 2 decades! Also I forgot the best part, on a trip to get a new Debit card since my card had been stolen, the bank rep put in a credit card app WITHOUT my knowledge or consent whatsoever!!! When I received the denial letter (this was over 2 years ago btw, not my Cash rewards app), I was shocked because I never applied for a credit card. Anyway, I've ranted enough but I wanted u to know you're not alone with BofA credit issues. If I were you, I would close that 1,000 Cash rewards card and not take a hard pull just to move 800 bucks, lol

Red_Rena
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Location: United States

Postby Red_Rena » Sat Aug 09, 2014 1:38 pm

iHackerSix wrote:Also I forgot the best part, on a trip to get a new Debit card since my card had been stolen, the bank rep put in a credit card app WITHOUT my knowledge or consent whatsoever!!! When I received the denial letter (this was over 2 years ago btw, not my Cash rewards app), I was shocked because I never applied for a credit card.


How did you deal with them about that?! That's just nuts. Seems to me Cap1 takes a lot of beating in the boards, but they have treated me better than BofA (so far).
EQ 861

EX 08 869

TU 08 822



American Express Blue Cash Everyday $16,000 (6/2014)

Bank of America Better Balance Rewards $3800 (7/2003)

Bank of America Cash Rewards Visa Signature $6000 (3/2012)

Barclaycard Rewards $8200 (2005)

Capital One Quicksilver $4750 (12/2010)

Capital One Quicksilver $4000 (3/2011)

Chase Freedom $2000 (9/2003)

Citi Dividend $5700 (6/2013)

First National Bank of Omaha Visa Platinum $9000 (2011)

Bill Me Later (PayPal Credit) $1960 (2011)



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