June 2015 Garden Club/Cult

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morgacj2004
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Re: June 2015 Garden Club/Cult

Postby morgacj2004 » Wed Jun 17, 2015 10:25 pm

[quote="Nixon"]morgacj2004 wrote:
So I have a question for those of you with a whole lot more experience than me in these matters. I helped my wife apply for a Barclays rewards card the other day. She was denied. We called the recon line together and low and behold she was approved for the Arrival Plus World elite MC with a starting CL of 5k. That was great but what was odd was that I noticed an inquiry on my bureau and then received an email from Barclays stating that I also had been approved for the Barclays reward card with a $1500 CL. I was shocked as I already have that card with a 5k limit. Should I just keep the second card or can I call the Recon line back and ask to transfer that approval to the Ring or Arrivals Plus card. ?


Won't happen. How did they get your social

Well I just called the Barclay recon line and they merged the reward acct into an arrivals plus acct. I have been more than happy with Barclays customer service!


Nixon
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Re: June 2015 Garden Club/Cult

Postby Nixon » Wed Jun 17, 2015 10:32 pm

morgacj2004 wrote:
Nixon wrote:morgacj2004 wrote:
So I have a question for those of you with a whole lot more experience than me in these matters. I helped my wife apply for a Barclays rewards card the other day. She was denied. We called the recon line together and low and behold she was approved for the Arrival Plus World elite MC with a starting CL of 5k. That was great but what was odd was that I noticed an inquiry on my bureau and then received an email from Barclays stating that I also had been approved for the Barclays reward card with a $1500 CL. I was shocked as I already have that card with a 5k limit. Should I just keep the second card or can I call the Recon line back and ask to transfer that approval to the Ring or Arrivals Plus card. ?


Won't happen. How did they get your social

Well I just called the Barclay recon line and they merged the reward acct into an arrivals plus acct. I have been more than happy with Barclays customer service!


Consolidate they will do. Make a whole new diff card outside of a PC they won't.....that unless...You didn't have an Arrival Plus before and you just gave up the bonus.... :beat:
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morgacj2004
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Re: June 2015 Garden Club/Cult

Postby morgacj2004 » Wed Jun 17, 2015 10:44 pm

The rep said they were merging the second rewards card into an arrivals card which would have a new acct number. Said I would still get the bonus offered with the arrivals card

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CarefulBuilder14
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Re: June 2015 Garden Club/Cult

Postby CarefulBuilder14 » Wed Jun 17, 2015 10:45 pm

Nixon wrote:Consolidate they will do. Make a whole new diff card outside of a PC they won't.....that unless...You didn't have an Arrival Plus before and you just gave up the bonus.... :beat:

Barclaycard will sometimes give card B's bonus when you PC A to B shortly after opening A. Their CSRs are definitely not all on the same page, though.
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CarefulBuilder14
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Re: June 2015 Garden Club/Cult

Postby CarefulBuilder14 » Wed Jun 17, 2015 10:53 pm

morgacj2004 wrote:That was great but what was odd was that I noticed an inquiry on my bureau and then received an email from Barclays stating that I also had been approved for the Barclays reward card with a $1500 CL. I was shocked as I already have that card with a 5k limit. Should I just keep the second card or can I call the Recon line back and ask to transfer that approval to the Ring or Arrivals Plus card. ?

Why are you happy that they gave you a card (the $1.5k one) that you didn't even apply for? To me, that's a sign that Barclaycard is horribly run, if an account can be created without your knowledge. I'd be quite startled.

Or is it some strange AU arrangement where you can only use part of the CL on your wife's card?

I'd look at your credit report (or creditkarma, at least) in the next few days to find out whether the account is individual, joint, or AU. Barclaycard tends to report new accounts very quickly.
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

morgacj2004
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Re: June 2015 Garden Club/Cult

Postby morgacj2004 » Wed Jun 17, 2015 10:55 pm

That's exactly what they did. I think it helps that I have a good history with them on my other acct

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CarefulBuilder14
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Re: June 2015 Garden Club/Cult

Postby CarefulBuilder14 » Wed Jun 17, 2015 10:56 pm

morgacj2004 wrote:That's exactly what they did. I think it helps that I have a good history with them on my other acct

I have a good history with Chase. I wouldn't want them to give me an IHG card until I told them I wanted one, though!
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

morgacj2004
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Re: June 2015 Garden Club/Cult

Postby morgacj2004 » Wed Jun 17, 2015 10:59 pm

CarefulBuilder14 wrote:
morgacj2004 wrote:That was great but what was odd was that I noticed an inquiry on my bureau and then received an email from Barclays stating that I also had been approved for the Barclays reward card with a $1500 CL. I was shocked as I already have that card with a 5k limit. Should I just keep the second card or can I call the Recon line back and ask to transfer that approval to the Ring or Arrivals Plus card. ?

Why are you happy that they gave you a card (the $1.5k one) that you didn't even apply for? To me, that's a sign that Barclaycard is horribly run, if an account can be created without your knowledge. I'd be quite startled.

Or is it some strange AU arrangement where you can only use part of the CL on your wife's card?

I'd look at your credit report (or creditkarma, at least) in the next few days to find out whether the account is individual, joint, or AU. Barclaycard tends to report new accounts very quickly.


I checked credit karma and it is showing two separate accts, separate Cl. Lists me as AU on her card an vice versa.

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CarefulBuilder14
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Re: June 2015 Garden Club/Cult

Postby CarefulBuilder14 » Wed Jun 17, 2015 11:12 pm

morgacj2004 wrote:I checked credit karma and it is showing two separate accts, separate Cl. Lists me as AU on her card an vice versa.

Two cards? It sounds like three...

1. Your old Rewards, with a CL of $5k, which you applied for normally.
2. A new Arrival Plus in your name, which came as a Rewards card. $1.5k CL. You didn't apply for this, you just got an email about it. Your wife is an AU.
3. The new account in your wife's name, on which you are an AU. $5k Arrival Plus. You didn't ask to be an AU.

It sounds like you didn't ask for two of the three cards you have from them...
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

morgacj2004
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Re: June 2015 Garden Club/Cult

Postby morgacj2004 » Wed Jun 17, 2015 11:21 pm

CarefulBuilder14 wrote:
morgacj2004 wrote:I checked credit karma and it is showing two separate accts, separate Cl. Lists me as AU on her card an vice versa.

Two cards? It sounds like three...

1. Your old Rewards, with a CL of $5k, which you applied for normally.
2. A new Arrival Plus in your name, which came as a Rewards card. $1.5k CL. You didn't apply for this, you just got an email about it. Your wife is an AU.
3. The new account in your wife's name, on which you are an AU. $5k Arrival Plus. You didn't ask to be an AU.

It sounds like you didn't ask for two of the three cards you have from them...



Actually it would be one card that I didn't ask for, that is the second rewards card that is now an Arrivals card. And you are right I did not ask to be an AU on her card. I won't complain though as I was eventually going to apply for the arrivals plus card since I can't get the CSP yet.



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