Getting a second card from Barclaycard

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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CarefulBuilder14
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Postby CarefulBuilder14 » Thu Oct 02, 2014 9:50 pm

Thanks for the additional input, everyone!

Chase has actually been soft pulling me a lot, and that was even before I put one big charge on there that took up about 70% of the credit limit. I paid the card off totally within about 48 hours so there was no end-of-cycle balance reporting, but the 'high credit' on my recent EX report was up a lot. If Chase doesn't want to give an auto CLI within a few months when I'm using the card for big purchases, they will be permanently relegated to 5% categories and the occasional (figurative for me, I'm not sure about others) pack of gum.

It's not totally clear to me whether the 'pending' status on my Sallie Mae app meant anything credit-wise. But it definitely does say something when I get a lower-tier Platinum instead of a WMC. I'll stick with my basic plan and let my credit history grow from 11 to 16 or 17 months, have the inquiries age/fall off, make sure I have one card report a small balance, and try to give my FICO as much of a boost as possible. A 2.2% travel card would be of limited use if I got a low limit on it.
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


popamode72
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Postby popamode72 » Thu Oct 02, 2014 11:53 pm

CarefulBuilder14 wrote:Thanks for the additional input, everyone!

Chase has actually been soft pulling me a lot, and that was even before I put one big charge on there that took up about 70% of the credit limit. I paid the card off totally within about 48 hours so there was no end-of-cycle balance reporting, but the 'high credit' on my recent EX report was up a lot. If Chase doesn't want to give an auto CLI within a few months when I'm using the card for big purchases, they will be permanently relegated to 5% categories and the occasional (figurative for me, I'm not sure about others) pack of gum.

It's not totally clear to me whether the 'pending' status on my Sallie Mae app meant anything credit-wise. But it definitely does say something when I get a lower-tier Platinum instead of a WMC. I'll stick with my basic plan and let my credit history grow from 11 to 16 or 17 months, have the inquiries age/fall off, make sure I have one card report a small balance, and try to give my FICO as much of a boost as possible. A 2.2% travel card would be of limited use if I got a low limit on it.


I get the impression that the Sallie Mae just has stricter approval requirements than other Barclay cards. US Airways for example was pretty easy to get and it was a WMC so who knows. I think that card is just one of those that Barclays is trying to push more and make sure a lot more people have. I also don't really get the hype over whether a card is a WMC card or not other than the fact that it would be reported as a flexible spending card.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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CarefulBuilder14
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Postby CarefulBuilder14 » Fri Oct 03, 2014 11:50 am

popamode72 wrote:I get the impression that the Sallie Mae just has stricter approval requirements than other Barclay cards. US Airways for example was pretty easy to get and it was a WMC so who knows. I think that card is just one of those that Barclays is trying to push more and make sure a lot more people have. I also don't really get the hype over whether a card is a WMC card or not other than the fact that it would be reported as a flexible spending card.


Barclays has some cards that are easier to get. Apple Financing and Rewards are definitely easier than Arrival and Sallie Mae. I'm not sure where US Airways falls - probably somewhere in between those two tiers. The NFL card's credit standards are pretty loose.
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

popamode72
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Postby popamode72 » Fri Oct 03, 2014 3:59 pm

CarefulBuilder14 wrote:Barclays has some cards that are easier to get. Apple Financing and Rewards are definitely easier than Arrival and Sallie Mae. I'm not sure where US Airways falls - probably somewhere in between those two tiers. The NFL card's credit standards are pretty loose.


I've heard a lot about those though Apple Financing sounds like the least useful one to me and the fact you can't PC it to anything else is another thing that I don't really like about that card.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

popamode72
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Postby popamode72 » Fri Oct 03, 2014 7:14 pm

Update: Just called customer service to see if my card had been mailed out yet and they just sent it out today. Didn't think this would take long but oh well and then I had a good conversation with the customer service rep who was really nice about my APR and seeing if I had any offers out of curiosity and she didn't have anything, but she did have some product change offers for me since we eventually got into talking about that after going a little bit into the whole merger.

I could either PC into the no annual fee Arrival card or the Rewards card and after examining the benefits of both and seeing which one I would get the most out of, I just went and had my Airways card changed to an Arrival. I'm highly impressed with Barclays because of this. It was a close call between that card and the Barclaycard Rewards (kinda think that if I were to get the Sallie Mae 6 months from now that it would be kinda useless by then anyway since the rewards on the SM are 100x better for me IMO) but I feel like I made the right choice there. Those were all the PC offers they had for me at the moment.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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CarefulBuilder14
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Postby CarefulBuilder14 » Fri Oct 03, 2014 7:30 pm

Congrats!

I agree the Arrival is much better than the Rewards, especially with a future Sallie Mae. Since you initially applied for an AF card, I don't know if there's a one-year restriction on upgrading to an Arrival+. I'm a bit surprised the Arrival+ wasn't a PC option when the Arrival was. Maybe the Arrival+ has different credit standards than the regular Arrival.

What's the signup bonus / annual fee situation with such an early PC?
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

popamode72
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Postby popamode72 » Fri Oct 03, 2014 7:38 pm

CarefulBuilder14 wrote:Congrats!

I agree the Arrival is much better than the Rewards, especially with a future Sallie Mae. Since you initially applied for an AF card, I don't know if there's a one-year restriction on upgrading to an Arrival+. I'm a bit surprised the Arrival+ wasn't a PC option when the Arrival was. Maybe the Arrival+ has different credit standards than the regular Arrival.

What's the signup bonus / annual fee situation with such an early PC?


I think the bonus would be 1000 points or something. I'd have to call again to be sure. That's probably the biggest downside about changing into that card like this is not getting that big sign up offer but I'm still pretty content with what I was able to do. I'm also assuming that like with Amex you can't change the card over to another annual fee product within the first year.

Also, seems like the EDP has similar rewards to the Rewards but there's also that 50% bonus on 30 swipes and if I'm PCing to that next year, then that's another big reason for me not to PC to the Rewards instead.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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CarefulBuilder14
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Postby CarefulBuilder14 » Fri Oct 03, 2014 7:43 pm

The usual Arrival bonus is 20000 points ($200 in travel, plus another $20 later, then $2, etc) for $1000 of purchases in 90 days. With your mention of '1000' it sounds like this is it.

The usual Arrival+ has 40000 points ($400, $40, $4, etc) for $3000 in 90 days.

I am just wondering if you get the 20000 Arrival points or the 40,000 US Airways miles with the $89 US Airways AF.
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

popamode72
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Postby popamode72 » Fri Oct 03, 2014 7:47 pm

CarefulBuilder14 wrote:The usual Arrival bonus is 20000 points ($200 in travel, plus another $20 later, then $2, etc) for $1000 of purchases in 90 days.

The usual Arrival+ has 40000 points ($400, $40, $4, etc) for $3000 in 90 days.

I mostly am curious if they are making you pay the $89 AF on the US Airways card.


They applied the $89 annual fee a few days after I got approved for the card and days prior to me making this phone call. I'm just glad I don't have that to worry about that next year.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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CarefulBuilder14
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Postby CarefulBuilder14 » Fri Oct 03, 2014 8:30 pm

Hopefully you'll get some decent bonus with the Arrival through the PC. The US Airways bonus requires a purchase and payment of the AF to get the 40k miles,. Since you'll never get the physical US Airways card to activate and buy something with, I think if you do get a bonus it would have to be through the Arrival stage of the account's history.
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



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