Barclaycard's Unremarkable Arrival

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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CarefulBuilder14
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Barclaycard's Unremarkable Arrival

Postby CarefulBuilder14 » Thu May 21, 2015 2:08 pm

My Arrival came today.

As soon as I had the envelope in my hands, I was excited and ready to go out and test the Chip+PIN functionality...to prepare myself for foreign unmanned kiosks by first testing it out in an everyday transaction...

...But I quickly saw that as pretty as it is, it doesn't even have a chip. I wasn't expecting that. Even my weeks-old EDP came with a chip by default, and it's not even meant for travel. I thought chips were pretty standard nowadays on new cards. Silly Barclaycard for overlooking a thing like that.

So I called to request a chipped card, thinking it would only take a minute like it did with Amex and Chase. After they transferred me around a bit, I got a CSR who told me that only the AF versions of the cards ($89 [2% rewards, 40k points] and $49 [2% rewards, 20k points]) came with chips. He said that apart from Barclaycard, only American Express was putting chips in their cards - and only in some of them, at that. He proceeded to tell me about how wonderful the rewards programs were for both the regular and AF versions, but at least had the sense to stop trying to sell me on the rewards when I mentioned that Amex and Chase gave me chipped cards without annual fees.

The regular Arrival is definitely a strange card – they advertise how it has no FTFs, but the CSR told me the regular Arrival was really just meant for domestic travel. They reserve chips for people who pay them annual fees. I’m fine with them for reserving the best rewards for AF-payers, but denying customers security features is just hard to comprehend. Seriously, why do that? Spending $3 for a chip can't be more expensive than having to hire more CSRs and fraud specialists. I guess I just saw the best of Barclaycard there was with Sallie Mae, and apart from that card it's really a mediocre issuer.

The CSR couldn't do anything for me without my PC-ing to something that required paying an annual fee (whether he meant now or in the future, I'm not sure). The card is totally useless for the main reason I got it. I really struck out on that one.

I don't know what to do. The CSR said I could get an Arrival+, but I’m not sure if it would have to be a new account or if I could get the AF waived the first year. I’m leaning towards getting a credit union card (for no AF and only a trivial account creation fee) but it would be yet another new account. I could also try to PC to something with no AF, Chip+PIN, and no or totally useless rewards. Thoughts? I should probably act quickly.

The order for the computer I wanted seems to have gone through, so I've already hit the bonus spending requirement (20k points for $1k spend). I bought it online before I called Barclaycard about the chip.

Maybe I can PC and still get the terms of a fresh application for Arrival+. By the time the AFs exceed the signup bonus, I suspect I will have better options.
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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kcm7
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Re: Barclaycard's Unremarkable Arrival

Postby kcm7 » Thu May 21, 2015 3:49 pm

I've had this card for a little over a year, and the no-chip thing is the only unfortunate dark spot on a card I really like.

Travel and dining are my two biggest expenses, so I had no trouble getting more than $400 in value out of this card in a year (not counting the sign-up bonus). And the 10% back on redemptions doesn't suck either. For no AF, this card is a little workhorse. I will also say that I've had some issues with Barclays denying legit purchases (especially plane tickets on foreign carriers) -- and when I called them about it, they deposited 5,000 miles into my account for my trouble. $50 -- not bad.

But the no-chip thing is such a pain. I use the card wherever I can abroad (and most hotels/touristy places are cool with mag stripe). But, for transit tickets, parking garages and such, we have to whip out my boyfriend's Wells Fargo card (which has no AF but still has a chip) and eat the FT fee.

Also, isn't it fun when you find you know more about cards than the phone rep does? :ppp
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 » Thu May 21, 2015 8:21 pm

Well, in the last few hours, my PC options (if I ever had any) seem to have vanished. I'm stuck with a card for which I have no clear use. I have no plans to drop CSP, so I won't use Arrival for regular dining or travel. If I went to a place that only took MC, I guess using Arrival would get me 1.1% cash back, instead of 1%. Not terribly exciting. I'll take their $200+$20+$2, though.

Why on earth market a card as having no FTFs if the card can't conveniently be used for international travel? If I do go to Europe this summer, I can always try to get by with a debit card (paying some fees) or get a secured credit union card (for guaranteed approval).

Maybe I just got confused by the name change, and when I heard people say "Arrival has a chip" they were talking about the AF card from the old naming system.

There are worse things than getting $222, I suppose, but it's not what I thought I was getting.
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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lobbythis
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Re: Barclaycard's Unremarkable Arrival

Postby lobbythis » Thu May 21, 2015 11:28 pm

Barclays shows which cards have chips and which don't right on their site. I don't understand the confusion.

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Re: Barclaycard's Unremarkable Arrival

Postby CarefulBuilder14 » Thu May 21, 2015 11:43 pm

lobbythis wrote:Barclays shows which cards have chips and which don't right on their site. I don't understand the confusion.

I saw that, but thought that they just hadn't updated their website. A Barclaycard CSR had also previously told me that both the AF and no-AF version were EMV-enabled.
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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Re: Barclaycard's Unremarkable Arrival

Postby lobbythis » Fri May 22, 2015 2:13 am

I see. Sounds like you got some CapOne style advice. But, I will say that I have had very disappointing service from them as well over the past year. I started with Apple Visa, then Rewards. Asked for consolidation and was told it couldn't be done. Then, on the same phone call, I go to close the Apple Visa and they transfer me to someone who tells me consolidating the cards would be no problem at all. Inconsistenty like that over simple, common issues drives me crazy.

Now, I'm stuck with the Rewards card, which they refused multiple times to PC to anything else. CLI's on this card have been incredibly small and I'm fighting myself to not cancel it. All I want from them is the Arrival+, so I keep this open thinking it will help. So far, no luck. It is by far my lowest limit card ($3K) and in the next few months it will be cancelled for sure. I just expected a lot more from Barclays.

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Re: Barclaycard's Unremarkable Arrival

Postby CC Deville » Sat May 23, 2015 9:56 am

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.

Not having a chip in Arrival is pretty strange though for a few reasons: 1) it is a travel card (look how long it took Chase to finally chip the United cards though) 2) Barclays is a UK company and the UK switched to chip loads of years ago and 3) their Apple Financing card has a chip even though it isn't a travel card....

Overall the way the US is handling EMV conversion is pretty pathetic. I get the cost thing and all but geez. To date, the only place I can use mine stateside is at Walmart. Not even The Home Depot is set up by me.

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Re: Barclaycard's Unremarkable Arrival

Postby CarefulBuilder14 » Sat May 23, 2015 10:59 am

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.
...
Not having a chip in Arrival is pretty strange though for a few reasons: 1) it is a travel card (look how long it took Chase to finally chip the United cards though) 2) Barclays is a UK company and the UK switched to chip loads of years ago and 3) their Apple Financing card has a chip even though it isn't a travel card.

1. As bad as Barclaycard is about the regular Arrival, that's worse. I think it's a really bad decision by Barclaycard to not offer the chip on regular Arrival, since it will lead to low-risk customers either not using the card much or just getting the Arrival+ for the bonus and first year, then switching to a different card. I'd be more annoyed if they were giving some - but not all - regular Arrival customers chips.

2. I knew they didn't offer it on Sallie Mae (it's not a travel card), but a CSR had told me a few months ago that they were available on the Arrival cards. It's pretty frustrating that they give the chip and a big bonus to a lot of people who don't plan to keep the AF card, but a customer who plans to keep it and not play games gets stuck with something awful.

Maybe I'm reading too much into it, but one of the CSRs I spoke to when asking for the chip seemed a bit surprised that anyone with Amex and Chase cards would be "slumming it"* by getting the regular Arrival. Had I only realized that earlier...

*Not anyone's actual words - but he seemed very surprised at the fact that Amex and Chase were putting chips into no-AF cards, and/or the fact that someone with Amex and Chase cards would have any interest in the Arrival.
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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Re: Barclaycard's Unremarkable Arrival

Postby CC Deville » Sat May 23, 2015 11:08 am

CarefulBuilder14 wrote:
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.
...
Not having a chip in Arrival is pretty strange though for a few reasons: 1) it is a travel card (look how long it took Chase to finally chip the United cards though) 2) Barclays is a UK company and the UK switched to chip loads of years ago and 3) their Apple Financing card has a chip even though it isn't a travel card.

1. As bad as Barclaycard is about the regular Arrival, that's worse. I think it's a really bad decision by Barclaycard to not offer the chip on regular Arrival, since it will lead to low-risk customers either not using the card much or just getting the Arrival+ for the bonus and first year, then switching to a different card. I'd be more annoyed if they were giving some - but not all - regular Arrival customers chips.

2. I knew they didn't offer it on Sallie Mae (it's not a travel card), but a CSR had told me a few months ago that they were available on the Arrival cards. It's pretty frustrating that they give the chip and a big bonus to a lot of people who don't plan to keep the AF card, but a customer who plans to keep it and not play games gets stuck with something awful.

Maybe I'm reading too much into it, but one of the CSRs I spoke to when asking for the chip seemed a bit surprised that anyone with Amex and Chase cards would be slumming it by getting the regular Arrival. Had I only realized that earlier...


1. I fully agree. I am surprised at how many cards are still not available as chipped this close to the shift liability. Especially travel related cards.

2. I know, I am not a fan of customer service with any bank as they don't seem to really know anything or they say what they think you want to hear to get you off the phone true or not.

Definitely a bad customer service experience to be sure. Give it another month or so and you may be able to order the chipped version before your trip to Europe. I say that because it seems like every week a card that was previously un-chipped gains the chip as we get closer to 1 October. The main benefit to Barclaycard EMV over Cap 1 EMV is the PIN functionality at unmanned kiosks.

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Re: Barclaycard's Unremarkable Arrival

Postby CarefulBuilder14 » Sat May 23, 2015 11:23 am

CC Deville wrote:The main benefit to Barclaycard EMV over Cap 1 EMV is the PIN functionality at unmanned kiosks.

This, and the rare time that a merchant might take MC but not Visa, was why I got the card.

I've been using my Freedom a lot in 2015, and doing a fair amount of non-airline travel (hotels, trains, etc.) so the greater cpp value (and sheer number) of UR points keeps me using CSP as my primary travel card. Even putting travel spend on Arrival (to redeem the rewards) feels a little wasteful since those transactions can't go on CSP to earn URs. Making full use of the Arrival's signup bonus and the few points I earn, of course, is still the best thing to do.
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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