kdm31091 wrote:Most of the people who get AA from them have many new accounts and inquiries, but they blame Barclay as if it's Barclay's fault. Barclay can conduct business however they see fit and everyone has a right to choose whichever creditor works for them. But if you blame Barclay and continue to seek credit, the hammer will come down elsewhere sooner or later. Barclay isn't the problem.
On another note, the guy w the huge comenity shutdown got his chase freedom signature upgrade and also apped for a banana republic visa since that couldn't possibly wait. It's really sad to see people who truly don't know when to stop.
I'm going to agree on Barclays here. In general, I haven't really interacted with their CSR much and in those limited number of scenarios, I didn't find them any more or less competent than all the other CSRs I've come across. And I actually got APRs reduced 2 out of 2 times that I tried, and got CLIs both times. In particular, I like how Sallie Mae shows all points immediately (similar to Chase, but unlike Discover / AMEX, the JD Power winners).
It is always possible that a particular bank changes its risk appetite and becomes stingy across the board; or tightens portfolio under a certain threshold. But it doesn't seem like Barclays can be singled out here. Similarly, often banks will give 1-2 weird reasons to adhere to the CARD Act, but Barclays isn't alone there either.
My only peeve with Barclays will be about them not upgrading me from Plat to a World MC even with a 12k CL; Chase upped my Freedom from V to VS when I moved lines to make it 5k. But then again Chase doesn't do SP CLIs and Barclay does, so there.
With the Comenity shutdown, I'll still have to give it to the poster; (s)he was much calmer and straightforward about the possible reasons for the AA. Much more composed compared to a whole lot of AA threads that I've seen.