Finally in Barclaycard World Mastercard

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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experience
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Finally in Barclaycard World Mastercard

Postby experience » Wed Sep 10, 2014 12:59 pm

What is the general consensus on Barclaycard? Should I buid a strong credit relationship wih them or no? Citibank and Amex have been excellent to build with.


I have history with citibank and Amex and both are good. I don't like Discover or Capital One.

6% utilization, 275k income.

Existing credit:
Amex - Delta 20,000
Amex - Blue flight 15,000
Amex - Platinum

GE - Paypal 3,000
GE - Amazon 1,700
Discover 2,500

citi - Thank you 9,500
citi - Diamond 2,500
citi - AA Elite 26,000

Barclaycard Rewards 5,000


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djrez4
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Postby djrez4 » Wed Sep 10, 2014 2:49 pm

They're getting better and coming up with more innovative products like the Arrival. The full lineup still leaves a lot to be desired, but I think they're coming around.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
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CarefulBuilder14
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Postby CarefulBuilder14 » Wed Sep 10, 2014 2:51 pm

I am pretty new to Barclaycard (the Sallie Mae) and I like it. I haven't had to use the customer service yet, apart from calling to speed up my application approval. When I did call, they were friendly and got me through the process quickly. The website is maybe a little cluttered, but it has a lot of features. The card's rewards are simply fantastic for my spending, which was my main reason for getting the card.

My one other gripe is that unless you pay extra for rushed delivery, they will take their sweet time in actually mailing the card out. No overnight or 2-day shipping like Amex (sometimes) does. It took me 2 weeks from the day I applied to actually get my card.

I don't really know the details of the Barclaycard Rewards card, apart from the fact that gas, groceries, and utilities are bonus spending categories. I don't know what the best way to spend reward points is.

One common thing people report is that you can get adverse action from Barclaycard if you open up a lot of new credit in the 6 months after they approve you for a card, and that they like to wait about 6 months before they will approve someone for a second Barclaycard card.

They have a lot of cards, but they are mostly co-branded travel and retail cards. It looks like you're already pretty well-set when it comes to travel cards, though.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May

luvbullmarkets
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Postby luvbullmarkets » Wed Sep 10, 2014 5:47 pm

I will let you know by mid-November. I plan to cash in my 90K+ miles during a 4 day hotel stay on the Las Vegas strip. Then soon afterwards downgrade to the no A/F version of the Arrival card. So far I have only spoken to customer service to relinquish a hold on my account for suspicious activity.
Amex PRG, Amex EveryDay, Amex BCE, Barclaycard Arrival, Cap One Venture One, CSP, Chase Freedom, Discover it, Macy's Star Card, Wells Fargo Propel 365 Amex, Wells Fargo Visa Sig

"Attack this day with a level of enthusiasm unknown to mankind." - Jack Harbaugh

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CarefulBuilder14
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Postby CarefulBuilder14 » Wed Sep 10, 2014 6:01 pm

luvbullmarkets wrote:I will let you know by mid-November. I plan to cash in my 90K+ miles during a 4 day hotel stay on the Las Vegas strip. Then soon afterwards downgrade to the no A/F version of the Arrival card. So far I have only spoken to customer service to relinquish a hold on my account for suspicious activity.


I've thought a little about that - getting the Arrival+ and then downgrading after a year or two to the no-AF Arrival. It would keep the account open for a healthy AAoA and the bigger starting bonus would more than pay for the AF in month 13, even if I couldn't downgrade in month 11.

*Going to adjust my signature*
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May

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CarefulBuilder14
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Postby CarefulBuilder14 » Fri Sep 12, 2014 12:23 am

Regarding the Arrival and Arrival+...

When you use points/miles to pay for existing travel purchases with the card, do you have to pay for an entire purchase in either points/miles or from a checking account? Or can you pay with a mix of the two?

For example, say I buy a $300 airline ticket. When it comes time to pay for it, though, I only have 25000 points. Can I pay for the purchase with 25000 points plus $50 from my checking account, and then get 2,500 points back? Or would I have to pay $300 from checking?
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May

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kcm7
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Postby kcm7 » Fri Sep 12, 2014 9:50 am

CarefulBuilder14 wrote:Regarding the Arrival and Arrival+...

When you use points/miles to pay for existing travel purchases with the card, do you have to pay for an entire purchase in either points/miles or from a checking account? Or can you pay with a mix of the two?

For example, say I buy a $300 airline ticket. When it comes time to pay for it, though, I only have 25000 points. Can I pay for the purchase with 25000 points plus $50 from my checking account, and then get 2,500 points back? Or would I have to pay $300 from checking?


Yes, you can pay for just part of the purchase with miles. You just have to redeem in increments of 2,500. For example, I just redeemed some points with the Arrival. I'd bought $521 worth of train tickets. I had 30,100 miles. So, I redeemed 30,000 of those miles for a statement credit of $300. That left $221 left from the train ticket purchase. Barclaycard credited me $300 immediately, lowering my balance by $300. The day my statement closed, I paid off the balance in full (the balance which still included the remaining $221 of my train tickets).

So, yes, you could use those 25,000 points and then just pay the remaining $50 whenever you pay off your card.
Cards:

-Capital One Quicksilver
-Barclaycard Arrival (no AF)
- US Bank (no rewards)
-IHG

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CarefulBuilder14
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Postby CarefulBuilder14 » Fri Sep 12, 2014 10:48 am

kcm7 wrote:Yes, you can pay for just part of the purchase with miles. You just have to redeem in increments of 2,500. For example, I just redeemed some points with the Arrival. I'd bought $521 worth of train tickets. I had 30,100 miles. So, I redeemed 30,000 of those miles for a statement credit of $300. That left $221 left from the train ticket purchase. Barclaycard credited me $300 immediately, lowering my balance by $300. The day my statement closed, I paid off the balance in full (the balance which still included the remaining $221 of my train tickets).

So, yes, you could use those 25,000 points and then just pay the remaining $50 whenever you pay off your card.


Great! I think a simple (effectively) 2.22% travel credit on travel and dining (and other purchases if I keep the + version) is going to make a lot more sense for me than trying to do the brand-specific points-transfer partners-upgrades-elite status dance.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May



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