February 2016 Garden Club

For just about anything you want to get off your chest about credit cards.
173 posts
Ghoshida
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Re: February 2016 Garden Club

Postby Ghoshida » Tue Feb 02, 2016 5:48 pm

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.
AMEX BCE | PRG || Barclaycard Sallie Mae || Capital One QuickSilver | Venture || Chase Freedom | Sapphire Preferred || Citi Dividend || Discover It || UFCU Great Rate || US Bank Cash+ #1 | Cash+ #2 | Club Carlson Plat | REI || Total CL $144.2k + PRG NPSL, not counting AU


Ghoshida
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Re: February 2016 Garden Club

Postby Ghoshida » Tue Feb 02, 2016 5:56 pm

CarefulBuilder14 wrote:]
True. I was thinking more from the view I had when I was newer to credit. If bonus hunters are professional racing drivers, the MF people are driving around in clown cars.


Ha ha. Good analogy.

What are we, the gardeners? Tesla on autopilot, or Google car? :D

I had a similar attitude when I was new to credit too; early 2014 and I was applying for any card that I felt was suitable. (Except SCTs. Never did that.) I was getting puny limits.

I must admit that I learnt a lot from MF; and the most important one was that spacing out apps gives the profile some room to breathe (especially when it's pretty new) and doesn't make one hungry for credit.

Mind you, most bounty (i.e. bonus) hunters have near excellent credit and a pretty thick file. They might face more first-world problems as banks wouldn't fear them for defaulting; rather they'd be frowned upon for churning. If they achieve such a file, a good chunk of MF "every-app-hitters" will probably do a Eureka dance a la Archimedes :P
AMEX BCE | PRG || Barclaycard Sallie Mae || Capital One QuickSilver | Venture || Chase Freedom | Sapphire Preferred || Citi Dividend || Discover It || UFCU Great Rate || US Bank Cash+ #1 | Cash+ #2 | Club Carlson Plat | REI || Total CL $144.2k + PRG NPSL, not counting AU

JonE
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Re: February 2016 Garden Club

Postby JonE » Tue Feb 02, 2016 6:02 pm

After some hiccups in income, I'm paying balances down and just keeping what I have for now. My tax refund is going right into the emergency fund to start to build that up, and I'm working on contributing to 401k. Also a significant increase and income in another position may be coming up. After my Discover Double Cash period is over (December 2016) I'll try for EDP. And probably CSP after I've met spend with AMEX (which shouldn't be too hard). Beyond that and a possible PRG I think I'd be done.
Wallet: Chase Freedom, Discover IT
Chopping Block: Synchrony
Future: TBD

kdm31091
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Re: February 2016 Garden Club

Postby kdm31091 » Tue Feb 02, 2016 6:16 pm

Ghoshida wrote:
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.


I agree he seemed a lot more composed and less dramatic about the AA (though of course the replies are always dramatic and blame the issuer for being so horrible), but evidently he hasn't learned much from it if he is still applying for cards w other lenders. Again, comenity isn't the problem, IMO

Nixon
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Re: February 2016 Garden Club

Postby Nixon » Tue Feb 02, 2016 6:42 pm

Ghoshida wrote:
Nixon wrote:
CarefulBuilder14 wrote:It's weird how strategic travel bonus hunters are the conservative and cautious ones there.

Not weird at all. The bonus hunters have an aim.

The rest are just throwing darts at a board.


Agreed. It takes more effort to build a profile to get a 50k UR / MR etc bonus than just hitting every single app button.

Right now, I'd probably get almost any regular card (except strictly high-baller cards like Centurion etc.) but I'm not seeing the point. I'll therefore hold on (garden) for another 6 months or so unless some crazy hot limited-period offer comes along. (and no, the Plat doesn't count for me. I can't think of paying $450 even for 100k points.)


It's not about the points. It's about what you can do with them. Fortunately for me, I got mine awarded shortly before BA redemption went shitballs down to 250:200. I'm about 2/3 through my awarded MR's transferred and am up around $2,400 just in flight redemptions. The airfare credits for $400, and other perks i've utilized.

As i've said before, If my redemption rate keeps then I could pay the AF for another 9 years and break even still if I never used the airline credit or cent lounge again.
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kdm31091
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Re: February 2016 Garden Club

Postby kdm31091 » Wed Feb 03, 2016 10:17 am

Man, that poster is really upset over on MF about Barclays. They are very annoyed about the bad customer service they received and lack of a retention offer on their no AF Arrival.

To a point I get it -- the rep refused to even connect the person to retention, and that could be considered rude/bad service.

But at the end of the day, I think some people's expectations are a bit too high. This poster, just likes many of us, has like 10 cards, and so inevitably the spending is spread around. Barclay's doesn't have much reason to give a CLI or lower APR for someone who is barely using the card. Instead of complaining that that is bad service, at what point do you look in the mirror and say "ok, maybe I just don't provide any REASON for them to do this for me?".

I just think people have very overinflated expectations of what "good service" should be. Companies should work to retain customers, of course, but they also don't owe it to us. You either deal with it or simply take your business elsewhere. I had a similar feeling with Capital One. They will not lower my APR, but I have also never paid interest, so perhaps they see no reason to lower it. That's fine, and I just take my business elsewhere. That's all you can do. Asking for a supervisor and having a "my sh*t don't stink" attitude is off putting to even read about. :rant:

I can see it more if you are paying an AF and running a ton of spend through a card, but with no AF and a run-of-the-mill amount of spend, you can't expect too much.

Kevin86475391
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Re: February 2016 Garden Club

Postby Kevin86475391 » Wed Feb 03, 2016 12:08 pm

kdm31091 wrote:Man, that poster is really upset over on MF about Barclays. They are very annoyed about the bad customer service they received and lack of a retention offer on their no AF Arrival.

To a point I get it -- the rep refused to even connect the person to retention, and that could be considered rude/bad service.

But at the end of the day, I think some people's expectations are a bit too high. This poster, just likes many of us, has like 10 cards, and so inevitably the spending is spread around. Barclay's doesn't have much reason to give a CLI or lower APR for someone who is barely using the card. Instead of complaining that that is bad service, at what point do you look in the mirror and say "ok, maybe I just don't provide any REASON for them to do this for me?".

I just think people have very overinflated expectations of what "good service" should be. Companies should work to retain customers, of course, but they also don't owe it to us. You either deal with it or simply take your business elsewhere. I had a similar feeling with Capital One. They will not lower my APR, but I have also never paid interest, so perhaps they see no reason to lower it. That's fine, and I just take my business elsewhere. That's all you can do. Asking for a supervisor and having a "my sh*t don't stink" attitude is off putting to even read about. :rant:

I can see it more if you are paying an AF and running a ton of spend through a card, but with no AF and a run-of-the-mill amount of spend, you can't expect too much.


I agree to a large extent, but for me at least it's not necessarily that I define bad customer service as not getting what I want, so much as the general attitude of the reps and generally making it easy and pleasant for me to do business with them. This is by no means limited to credit card companies.

Very few of my calls to credit card companies are even about asking for something (CLI, AF waived, lower APR, etc.). More often than not I'm just seeking some type of information - about category spend/rewards, closing/reporting date, if a charge has posted, etc., not asking them to do something different or provide a special favor, just info. - other times I'm having some type of problem that I need resolved, a lost or stolen card, fraudulent charge, difficulty logging into the site, etc. It's in these types of situations where I've found companies like Capital One and Citi (and I suspect Barclays, but can't personally verify that) aren't very knowledgeable, friendly, or helpful. They make dealing with them unsatisfactory and can't provide the info or solution I need/want, even though I absolutely think in most cases these are just basic things ALL customers are entitled to by having any kind of business relationship with them.

By contrast I call companies like Discover, Chase, and B of A, and the reps are extremely friendly, pleasant, and helpful. They answer right away, don't leave me on hold forever, know the answers to what I'm asking or how to get them, don't seem annoyed that I'm calling, etc.

This is how I define good customer service in general. I feel the same way about utilities companies, retail shops, restaurants, etc. I just want a pleasant baseline customer service experience from people who seem polite and happy to help.

oldsoldier
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Re: February 2016 Garden Club

Postby oldsoldier » Wed Feb 03, 2016 1:55 pm

Kevin86475391 wrote:
kdm31091 wrote:Man, that poster is really upset over on MF about Barclays. They are very annoyed about the bad customer service they received and lack of a retention offer on their no AF Arrival.

To a point I get it -- the rep refused to even connect the person to retention, and that could be considered rude/bad service.

But at the end of the day, I think some people's expectations are a bit too high. This poster, just likes many of us, has like 10 cards, and so inevitably the spending is spread around. Barclay's doesn't have much reason to give a CLI or lower APR for someone who is barely using the card. Instead of complaining that that is bad service, at what point do you look in the mirror and say "ok, maybe I just don't provide any REASON for them to do this for me?".

I just think people have very overinflated expectations of what "good service" should be. Companies should work to retain customers, of course, but they also don't owe it to us. You either deal with it or simply take your business elsewhere. I had a similar feeling with Capital One. They will not lower my APR, but I have also never paid interest, so perhaps they see no reason to lower it. That's fine, and I just take my business elsewhere. That's all you can do. Asking for a supervisor and having a "my sh*t don't stink" attitude is off putting to even read about. :rant:

I can see it more if you are paying an AF and running a ton of spend through a card, but with no AF and a run-of-the-mill amount of spend, you can't expect too much.


I agree to a large extent, but for me at least it's not necessarily that I define bad customer service as not getting what I want, so much as the general attitude of the reps and generally making it easy and pleasant for me to do business with them. This is by no means limited to credit card companies.

Very few of my calls to credit card companies are even about asking for something (CLI, AF waived, lower APR, etc.). More often than not I'm just seeking some type of information - about category spend/rewards, closing/reporting date, if a charge has posted, etc., not asking them to do something different or provide a special favor, just info. - other times I'm having some type of problem that I need resolved, a lost or stolen card, fraudulent charge, difficulty logging into the site, etc. It's in these types of situations where I've found companies like Capital One and Citi (and I suspect Barclays, but can't personally verify that) aren't very knowledgeable, friendly, or helpful. They make dealing with them unsatisfactory and can't provide the info or solution I need/want, even though I absolutely think in most cases these are just basic things ALL customers are entitled to by having any kind of business relationship with them.

By contrast I call companies like Discover, Chase, and B of A, and the reps are extremely friendly, pleasant, and helpful. They answer right away, don't leave me on hold forever, know the answers to what I'm asking or how to get them, don't seem annoyed that I'm calling, etc.

This is how I define good customer service in general. I feel the same way about utilities companies, retail shops, restaurants, etc. I just want a pleasant baseline customer service experience from people who seem polite and happy to help.


I agree with you totally on this one. Most of the guys on MF rate good customer service like this. Did they give me what I asked for if the answer is yes, they are great at customer service if not they are terrible at it. I just want them to be polite, professional and knowledgeable. That to me is great customer service.
BoA Cash Rewards $13,000
Chase Sapphire Preferred $14,000
BoA Better Balance $12,000
Amex Every Day $24,000
Discover It $17,000
NFCU Platinum Visa $25,200
Barclay Arrival WMC $10,000
Cap One QuickSilver WMC $6,200
WF Cash back Visa Sig $11,000
Citi Thank You Premier $11,600

kdm31091
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Re: February 2016 Garden Club

Postby kdm31091 » Wed Feb 03, 2016 1:59 pm

It's ridiculous how they equate customer service with being handed whatever they want and huge retention offers.

Nixon
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Re: February 2016 Garden Club

Postby Nixon » Wed Feb 03, 2016 3:42 pm

kdm31091 wrote:It's ridiculous how they equate customer service with being handed whatever they want and huge retention offers.


I don't equate that to customer service but the CC market is VERY competitive for the savvy transactor with a heavy and highly regarded credit profile. Any perks I can get from paying my bills I will take on any day that ends with Y.
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