Barclaycard's Unremarkable Arrival

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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lobbythis
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Re: Barclaycard's Unremarkable Arrival

Postby lobbythis » Sat May 23, 2015 7:02 pm

CC Deville wrote:I have a Capital One Venture One card without the chip; even though they redesigned the Venture and Venture One cards in December, they won't give me a chipped card; they say I have to wait my turn. I'm not sure what is worse, a card that can't be chipped because it isn't yet available or not getting a chip upon request when it is available.

With the shift liability approaching on 1 October 2015 you can expect to get pretty much all of your cards chipped by spring 2016.


Log in to your account and report the cards damaged. I did it for my Venture and Quicksilver and was given EMV cards as replacements. I did it one at a time as to avoid any trouble since, over the phone and chat, they told me NO just like they did to you.


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kcm7
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Re: Barclaycard's Unremarkable Arrival

Postby kcm7 » Tue May 26, 2015 3:18 pm

CarefulBuilder14 wrote:I have no plans to drop CSP, so I won't use Arrival for regular dining or travel.


Oh yeah, if you already have the CSP, I can see why this card is probably useless to you.

The only reason it works so well for me is that I'm totally AF-averse (and would therefore not get the CSP anyway), so I like that the card gives me double on travel and dining.
Cards:

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

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CarefulBuilder14
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Re: Barclaycard's Unremarkable Arrival

Postby CarefulBuilder14 » Tue May 26, 2015 5:50 pm

kcm7 wrote:Oh yeah, if you already have the CSP, I can see why this card is probably useless to you.

The only reason it works so well for me is that I'm totally AF-averse (and would therefore not get the CSP anyway), so I like that the card gives me double on travel and dining.


CSP is a pretty good deal among AF cards. Uncapped rewards for travel and dining are nice, as is the signup bonus. If you can make good use of one or two quarters of Freedom, and you're willing to jump through the hoops of transferring points, then the AF is pretty easy to offset even if you don't put much spending on CSP.

Say you can get 2.0 cpp with UR and you have Chase checking*. Freedom then becomes like an 11%* travel-earning card in the rotating categories. Sure, the 5%/5.5% bonus is capped, but $95 isn't much to offset. Then it's like you get the CSP travel rewards and benefits for free.

*The checking bonus will end soon, so it would be more like 10% in the future.
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

Vermonster
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Re: Barclaycard's Unremarkable Arrival

Postby Vermonster » Tue May 26, 2015 6:37 pm

I think of the CSP more like a travel card with a special limit reserved for some 5% rotating categories. (aka, it is worth less without the Freedom.) Moving points around is a minor inconvenience for the potential 20% discount on travel. My first purchase was for 2 plane tickets to Italy. Not only did Chase show flights that we couldn't find elsewhere, but they were cheaper, and nonstop. Originally we were looking at spending over $5k on tickets, Chase was $2200 before I used our points. Ended up being $500 out of pocket. That $95 has paid for itself for a number of years now.

From my reading the Arrival + is not a true chip and pin in that it will ask for a sig if there is an online connection. Does this mean that all of these American chip and sig cards can easily be converted to have chip and pin as a backup?
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

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CarefulBuilder14
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Re: Barclaycard's Unremarkable Arrival

Postby CarefulBuilder14 » Tue May 26, 2015 7:18 pm

Vermonster wrote:From my reading the Arrival + is not a true chip and pin in that it will ask for a sig if there is an online connection. Does this mean that all of these American chip and sig cards can easily be converted to have chip and pin as a backup?


I don't think many major American chipped cards are likely to get PINs soon, especially not as the primary verification method. To get one of the "true" Chip+PIN cards, I think that you need to go with Diner's Club (still closed to new applicants, last I heard) or one of a few credit union cards.

Even Arrival+, as I've recently read, is hit-and-miss. Some merchants' machines will give error messages instead of asking for a PIN.

Of course, there is so much misinformation floating around about this card, I just don't know what to think anymore. A lot of it originates from CSRs who answer questions without knowing the truth. Then add in the name change for some extra confusion.
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

amex007
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Re: Barclaycard's Unremarkable Arrival

Postby amex007 » Thu May 28, 2015 9:45 am

kcm7 wrote:
CarefulBuilder14 wrote:I have no plans to drop CSP, so I won't use Arrival for regular dining or travel.


Oh yeah, if you already have the CSP, I can see why this card is probably useless to you.

The only reason it works so well for me is that I'm totally AF-averse (and would therefore not get the CSP anyway), so I like that the card gives me double on travel and dining.


I got the Arrival recently and just noticed it didnt have a chip haha. I had just assumed it had one. Well i guess when i travel internationally i'll just have to use my Hyatt card or amex Gold for purchases (assuming the June 1 change goes thru).
It's still not a bad card imo bc i like the 2x pts on dining and travel, havent had any trouble with any of the categories so they seem broad enough just like Chase's.
Amex Gold NPSL | Amex ED 28500 | Barclaycard Arrival 17500 | Hyatt visa signature 5000
sockdrawer-- GM 4000 | Unionplus 2200
EX 795 EQ 786 TU 790

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CarefulBuilder14
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Re: Barclaycard's Unremarkable Arrival

Postby CarefulBuilder14 » Thu May 28, 2015 10:28 am

amex007 wrote:I got the Arrival recently and just noticed it didnt have a chip haha. I had just assumed it had one. Well i guess when i travel internationally i'll just have to use my Hyatt card or amex Gold for purchases (assuming the June 1 change goes thru).
It's still not a bad card imo bc i like the 2x pts on dining and travel, havent had any trouble with any of the categories so they seem broad enough just like Chase's.

The main downside of the card is the limited number of Hyatt properties. You can use the free night at some pretty good properties, but there may not be one near where you want to stay.

Hyatt still has some really great values when you pay with points.

*Neither Hyatt nor Amex Gold will be getting PINs soon, AFAIK. That will limit their acceptance in many countries.

**I'm confused about what you're saying about Amex's definition of travel. The PRG gets 3x points on airfare booked directly with airlines. I don't think Gold has travel categories.

Hyatt has, according to the Chase website, a fairly narrow definition of travel. It's not nearly as broad as CSP's is.
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

amex007
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Re: Barclaycard's Unremarkable Arrival

Postby amex007 » Thu May 28, 2015 10:41 am

CarefulBuilder14 wrote:The main downside of the card is the limited number of Hyatt properties. You can use the free night at some pretty good properties, but there may not be one near where you want to stay.

Hyatt still has some really great values when you pay with points.

*Neither Hyatt nor Amex Gold will be getting PINs soon, AFAIK. That will limit their acceptance in many countries.

**I'm confused about what you're saying about Amex's definition of travel. The PRG gets 3x points on airfare booked directly with airlines. I don't think Gold has travel categories.

Hyatt has, according to the Chase website, a fairly narrow definition of travel. It's not nearly as broad as CSP's is.


Oh I was referring to Arrival's definition of travel (not amex). I only mentioned amex Gold for out-of-country purchases if the June 1 change of no FTFs goes thru, and 2x dining.
Amex Gold NPSL | Amex ED 28500 | Barclaycard Arrival 17500 | Hyatt visa signature 5000
sockdrawer-- GM 4000 | Unionplus 2200
EX 795 EQ 786 TU 790

morgacj2004
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Re: Barclaycard's Unremarkable Arrival

Postby morgacj2004 » Mon Jun 15, 2015 7:50 pm

This may be a little bit off topic if so I am sorry. My wife applied for the Barclay Rewards card and was denied. This was despite the fact Credit Karma said she had a very good chance of approval. Her FICO is at 705 avg 3 bureaus. I previously applied for the same card with a 680 FICO and was approved for 2k. My CLI last month brought it up to 5 k ? As a newbie I still can't figure out this approval process. Our bureaus are almost identical in every sense.

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Re: Barclaycard's Unremarkable Arrival

Postby Vermonster » Mon Jun 15, 2015 8:09 pm

morgacj2004 wrote:This may be a little bit off topic if so I am sorry. My wife applied for the Barclay Rewards card and was denied. This was despite the fact Credit Karma said she had a very good chance of approval. Her FICO is at 705 avg 3 bureaus. I previously applied for the same card with a 680 FICO and was approved for 2k. My CLI last month brought it up to 5 k ? As a newbie I still can't figure out this approval process. Our bureaus are almost identical in every sense.


We would need to know more, but in general Barclay can be very sensitive to inquires and new accounts. Each lender is different and they want different things at different times. We have seen people get an amex with a low 600s score, and others get declined with a high 700s. Treat the score like the thermometer, it only tells you part of the story as to what the weather will be.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k



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