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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Getting a second card from Barclaycard

Postby CarefulBuilder14 » Mon Sep 29, 2014 1:16 pm

I just recently got a Sallie Mae Platinum MC from Barclaycard. I want to get an Arrival+ WEMC as soon as possible, and would appreciate any suggestions people have about how to maximize my odds. It would be nice to have it by 4/15, but it would be more important to have by 6/15 for international travel. I will probably apply in 3/15 or 4/15.

I like the Arrival+ reward structure and Chip+PIN functionality. I have no interest in the no-AF Arrival.

The fact that my Sallie Mae is a Platinum MC and not a WMC suggests Barclaycard might be uneasy about giving me another card for a while. At the time of the pull, though, my BCE had not reported, so they only saw the PRG's NPSL and two cards each with a $2k limit. They might have thought I was a good customer with only 10 months of credit history and figured they were being generous by doubling my available credit.

I want to keep my Sallie Mae. I have no plans to apply for anything else until the Arrival+. I have 3 TU, 6 EX, and 2 EQ pulls. Each report is about to lose one inquiry (a GECRB 3x pull when I had no history). By 3/15, most of the pulls will be 6 to 12 months old.

Am I right in thinking that Arrival+ only comes as WEMC? I couldn't apply and get stuck with a WMC Arrival+ with an annual fee and great rewards, but no chip? The Sallie Mae card had a 'Platinum clause' readily displayed in the fine print, but I don't see one mentioning Platinum or WMC in the Arrival+ fine print. I know some people on here had trouble upgrading old Arrival+ cards to WEMC, but are all new Arrival+ card automatically WEMC?

Sallie Mae is also getting almost exclusively 5% spending, so they are losing money on me right now.

How have others been able to get second cards from Barclaycard? Lots of spending outside of bonus categories? Lots of swipes? A high volume of spending? A high income relative to existing credit limits?

I figure an auto CLI on Sallie Mae might be a good indication that I would be okay to go for the Arrival+ after 6 months. Has anyone been declined for a second card right after an auto CLI on the first?

Any other input, besides the usual ideas to keep utilization low, pay in full, and avoid other inquiries?
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card


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djrez4
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Postby djrez4 » Mon Sep 29, 2014 2:57 pm

I had three Barclays cards at one point.

1/28/13 - US Airways
8/6/13 - US Airways
11/8/2013 - Arrival (converted to +)

I closed the first US Airways card on 1/29/14 and the second earlier this month. Barclays pulled TU on each of the cards. I don't know exactly how many inquiries I had on TU at the time, but I'd guess around 3-4.
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Postby MemberSince99 » Mon Sep 29, 2014 4:48 pm

It looks like the Arrival Plus if a newly issued card comes only as a World Elite. But you are right some people who had the card were denied the upgrade (myself included, which combined with a bunch of lousy customer service experiences I had with them moved me to close it).


So that's what it looks like - if you get it now it's World Elite. That whole thing of not upgrading existing customers was kind of a kick to the sack, but at least it told you where you stood in their eyes.

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lobbythis
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Postby lobbythis » Mon Sep 29, 2014 5:11 pm

Can't comment on Arrival cards, but I do have the Apple Financing Visa and Rewards cards from Barclay's. Only had the Financing Visa for 4 months before I got the Rewards card.

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CarefulBuilder14
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Postby CarefulBuilder14 » Mon Sep 29, 2014 5:22 pm

lobbythis wrote:Can't comment on Arrival cards, but I do have the Apple Financing Visa and Rewards cards from Barclay's. Only had the Financing Visa for 4 months before I got the Rewards card.


What was your credit profile / score? Did you have to recon either one (out of credit risk concerns, not 'security' concerns)?
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

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CarefulBuilder14
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Postby CarefulBuilder14 » Mon Sep 29, 2014 5:28 pm

djrez4 wrote:I had three Barclays cards at one point.

1/28/13 - US Airways
8/6/13 - US Airways
11/8/2013 - Arrival (converted to +)

I closed the first US Airways card on 1/29/14 and the second earlier this month. Barclays pulled TU on each of the cards. I don't know exactly how many inquiries I had on TU at the time, but I'd guess around 3-4.


You closed the US Airways cards right after you paid the annual fees for the second year on them? Was that so you could keep the signup bonuses (and not have them clawed back)? To avoid a bad reputation with Barclays or other issuers? Did you get a partial refund? Or the fee wasn't due for the second year yet?
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

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lobbythis
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Postby lobbythis » Mon Sep 29, 2014 5:57 pm

CarefulBuilder14 wrote:What was your credit profile / score? Did you have to recon either one (out of credit risk concerns, not 'security' concerns)?


FICO at the time was 630, so your score is miles ahead. Did have to recon for the Rewards card, which was weird to me. But, it only took 2 minutes and they were extremely nice. I had one big debt (paid off in 2008) on my report that won't go away until next year. They simply asked me what happened.

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CarefulBuilder14
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Postby CarefulBuilder14 » Mon Sep 29, 2014 7:09 pm

lobbythis wrote:FICO at the time was 630, so your score is miles ahead. Did have to recon for the Rewards card, which was weird to me. But, it only took 2 minutes and they were extremely nice. I had one big debt (paid off in 2008) on my report that won't go away until next year. They simply asked me what happened.


I looked at the creditboards pull information, and it seems some people around the 700 FICO level get initially declined for the Arrival but then make a recon call and get approved with limits around $2500.

The credit requirements for Rewards look slightly stricter than for Apple Financing.

I think I'll wait until March or April to apply so my profile can improve as much as possible (longer AAoA, fewer/older inquiries, and maybe an auto CLI). I'll make sure I have only one card reporting a balance to give my FICOs the biggest boost possible. I'd want a limit in the $5-$10k range - something I wouldn't need to get increased anytime soon.

Have you gotten any auto or HP'ed CLIs?
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

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lobbythis
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Postby lobbythis » Mon Sep 29, 2014 7:18 pm

CarefulBuilder14 wrote:
Have you gotten any auto or HP'ed CLIs?


My Apple card will break 6 months in October (not sure what day, have to check again.) So, I am curious to see what happens. The balance is sitting at $0. I don't really do anything with it since it has no benefits. Just buying little things with it from time to time.

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djrez4
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Postby djrez4 » Mon Sep 29, 2014 8:39 pm

CarefulBuilder14 wrote:You closed the US Airways cards right after you paid the annual fees for the second year on them? Was that so you could keep the signup bonuses (and not have them clawed back)? To avoid a bad reputation with Barclays or other issuers? Did you get a partial refund? Or the fee wasn't due for the second year yet?


Barclays charges the annual fee on the 13th statement. I got my 10,000 mile bonus and then closed them before the fee as due.
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