Barclaycard's Unremarkable Arrival

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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kdm31091
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Re: Barclaycard's Unremarkable Arrival

Postby kdm31091 » Mon Jun 22, 2015 5:16 am

MemberSince99 wrote:The Arrival is a good card. Any issue there isn't really the card, but more likely, dealing with Barclays.

I actually like the card. Just not sure I like Barclays.

For what it's worth, I don't see myself at this time keeping it when the AF hits, but that's always subject to change. Currently my feeling is I'd prefer to give the swipes to lenders who have shown me they want the business. Oh well I have a little less than 6 months to go before that hits so we'll see. Not holding my breath on it.


Are you saying they have to waive your AF to show they want your business? Not to be rude, but if they do that for everyone, there's no point in them having an annual fee. You have to expect to pay it sometimes. Doesn't mean they don't want you as a customer, but you can't expect that everything will just be given to you, either.


MemberSince99
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Re: Barclaycard's Unremarkable Arrival

Postby MemberSince99 » Mon Jun 22, 2015 6:10 am

kdm31091 wrote:
MemberSince99 wrote:The Arrival is a good card. Any issue there isn't really the card, but more likely, dealing with Barclays.

I actually like the card. Just not sure I like Barclays.

For what it's worth, I don't see myself at this time keeping it when the AF hits, but that's always subject to change. Currently my feeling is I'd prefer to give the swipes to lenders who have shown me they want the business. Oh well I have a little less than 6 months to go before that hits so we'll see. Not holding my breath on it.


Are you saying they have to waive your AF to show they want your business? Not to be rude, but if they do that for everyone, there's no point in them having an annual fee. You have to expect to pay it sometimes. Doesn't mean they don't want you as a customer, but you can't expect that everything will just be given to you, either.


Did I say that? Nope didn't think so. What I meant is, others have given nice CLIs. Barclays gave me a hard and flat out denied me. The Arrival is currently my lowest limit open card at 7.5k. They think I already have "sufficient" credit according to their denial. Ok, I read that as they really don't care to get the business, and if that's the case, I'm happy to oblige because I really DO have more cards than I currently want. So in a way I agree with them, but I gave them the chance to get more swipes/business and got declined. Something has to go, and I don't mind if it's this card, despite it being a good one.

I'm sorry if it bothers you but I'm now past where I have to put up with Cap One 500 limit cards with no rewards and a 39 annual fee. If they want my business now, they have to compete for it. I have sufficient credit that I can choose who give my business to. Not being arrogant by any means just telling it like it is. If they don't care to be competitive, ok, no hard feelings I'll move on. That's just how it works. I know the rugged individualist job creators who are the patriot saviors of America hate competition, but I think we need more of it. That's truly what brings about better service and competitive pricing. Look at cell phones and what T-Mobile has done there. I used to think T-Mobile was a joke now I thank them for daring to compete in the market and forcing the other carriers to do the same thing. So let them all compete and may the best companies win, and may the odds be ever in their favor :)

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CarefulBuilder14
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Re: Barclaycard's Unremarkable Arrival

Postby CarefulBuilder14 » Mon Jun 22, 2015 9:49 am

How much are you spending on the card, Member?
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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CarefulBuilder14
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Re: Barclaycard's Unremarkable Arrival

Postby CarefulBuilder14 » Mon Jun 22, 2015 1:35 pm

MemberSince99 wrote:Ok, I read that as they really don't care to get the business, and if that's the case, I'm happy to oblige because I really DO have more cards than I currently want. So in a way I agree with them, but I gave them the chance to get more swipes/business and got declined. Something has to go, and I don't mind if it's this card, despite it being a good one.


I think Barclaycard's view may be that steady business should earn CLIs - not the other way around as you see 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

morgacj2004
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Re: Barclaycard's Unremarkable Arrival

Postby morgacj2004 » Mon Jun 22, 2015 2:43 pm

So my wife and I got our Barclay Arrival cards in the mail. She received the Arrival + World MC and I received the Arrival MC. We have almost the exact same credit scores and acct history. The only difference is she never had a Barclay card and I have had a rewards card 5 k limit for the past year-perfect payment hx. So go figure she gets the better card with the higher limit despite having no hx with Barclays. I just can't figure out these CC companies approval methods, formulas. They make absolutely no sense.

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Re: Barclaycard's Unremarkable Arrival

Postby Vermonster » Mon Jun 22, 2015 9:00 pm

Well if you applied for the Arrival and she applied for the Arrival+ that explains it. They don't pick and chose without you agreeing to apply for the card.
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MemberSince99
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Re: Barclaycard's Unremarkable Arrival

Postby MemberSince99 » Tue Jun 23, 2015 11:09 am

CarefulBuilder14 wrote:
MemberSince99 wrote:Ok, I read that as they really don't care to get the business, and if that's the case, I'm happy to oblige because I really DO have more cards than I currently want. So in a way I agree with them, but I gave them the chance to get more swipes/business and got declined. Something has to go, and I don't mind if it's this card, despite it being a good one.


I think Barclaycard's view may be that steady business should earn CLIs - not the other way around as you see it.



Currently it's in the sock drawer. I had been given them business before they declined the CLI. Now I have really no incentive nor interest in giving them further use - I have a signup bonus to get on my TY Premier, and after that Discover is offering double rewards. Why would I give anything to Barclay's now, especially given I don't see keeping it once the annual fee is due.

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CarefulBuilder14
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Re: Barclaycard's Unremarkable Arrival

Postby CarefulBuilder14 » Tue Jun 23, 2015 11:53 am

MemberSince99 wrote:Currently it's in the sock drawer. I had been given them business before they declined the CLI. Now I have really no incentive nor interest in giving them further use - I have a signup bonus to get on my TY Premier, and after that Discover is offering double rewards. Why would I give anything to Barclay's now, especially given I don't see keeping it once the annual fee is due.

What are your plans for TY points?
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

kdm31091
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Re: Barclaycard's Unremarkable Arrival

Postby kdm31091 » Tue Jun 23, 2015 12:09 pm

MemberSince99 wrote:
kdm31091 wrote:
MemberSince99 wrote:The Arrival is a good card. Any issue there isn't really the card, but more likely, dealing with Barclays.

I actually like the card. Just not sure I like Barclays.

For what it's worth, I don't see myself at this time keeping it when the AF hits, but that's always subject to change. Currently my feeling is I'd prefer to give the swipes to lenders who have shown me they want the business. Oh well I have a little less than 6 months to go before that hits so we'll see. Not holding my breath on it.


Are you saying they have to waive your AF to show they want your business? Not to be rude, but if they do that for everyone, there's no point in them having an annual fee. You have to expect to pay it sometimes. Doesn't mean they don't want you as a customer, but you can't expect that everything will just be given to you, either.


Did I say that? Nope didn't think so. What I meant is, others have given nice CLIs. Barclays gave me a hard and flat out denied me. The Arrival is currently my lowest limit open card at 7.5k. They think I already have "sufficient" credit according to their denial. Ok, I read that as they really don't care to get the business, and if that's the case, I'm happy to oblige because I really DO have more cards than I currently want. So in a way I agree with them, but I gave them the chance to get more swipes/business and got declined. Something has to go, and I don't mind if it's this card, despite it being a good one.

I'm sorry if it bothers you but I'm now past where I have to put up with Cap One 500 limit cards with no rewards and a 39 annual fee. If they want my business now, they have to compete for it. I have sufficient credit that I can choose who give my business to. Not being arrogant by any means just telling it like it is. If they don't care to be competitive, ok, no hard feelings I'll move on. That's just how it works. I know the rugged individualist job creators who are the patriot saviors of America hate competition, but I think we need more of it. That's truly what brings about better service and competitive pricing. Look at cell phones and what T-Mobile has done there. I used to think T-Mobile was a joke now I thank them for daring to compete in the market and forcing the other carriers to do the same thing. So let them all compete and may the best companies win, and may the odds be ever in their favor :)


While I basically agree with what you are saying, in essence, that if the creditor doesn't want you and needs to compete, you do sound a wee bit entitled. "I'm past having to put up with..." is irrelevant because credit cards are not our property. They can be revoked at any point. Rewards can be removed. Anything can happen. So yes, you are past the point of having to apply for starter cards, but it doesn't mean you can have everything you want.

Moving on from that, since you have more cards than you want anyway, no reason to worry about this card. Just close it when you're planning on it and move on. It's their problem if they don't want to give you a CLI.

MemberSince99
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Re: Barclaycard's Unremarkable Arrival

Postby MemberSince99 » Tue Jun 23, 2015 7:39 pm

CarefulBuilder14 wrote:
MemberSince99 wrote:Currently it's in the sock drawer. I had been given them business before they declined the CLI. Now I have really no incentive nor interest in giving them further use - I have a signup bonus to get on my TY Premier, and after that Discover is offering double rewards. Why would I give anything to Barclay's now, especially given I don't see keeping it once the annual fee is due.

What are your plans for TY points?


They can be used on Amazon, but I think I'd rather just build them up and use them to take a trip with - a real vacation. That's something I haven't done in years in fact I honestly can't remember the last time I took an actual vacation when I went somewhere. With the job I have now, all I'd be thinking is this is so great then I have to go back to that corporate hell on earth. Despite that, I still think it would be worth experiencing.

So something like that. Where exactly, I'm not sure right now.



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