Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


Buy49Get1Free

Members
  • Content Count

    389
  • Joined

  • Last visited

  1. why close? I read that Barclays is less likely to approve a new card, if you're putting little or no spend on your current Barclay cards. You have a better chance of approval if you have no current Barclay cards. (I'm not worried about other effects of closing cards.) But I'm asking if this is really true about Barclays approvals.
  2. Anyone have any luck PCing the Arrival+ (to avoid AF)? What are the options? With SM gone, all the Barclay cards are useless to me. If I want to get Barclay cards in the future (only for signup bonus) what is the best strategy, given that I won't be putting any spend on my current cards (which apparently Barclays likes to see before giving more cards). So is my best strategy to just close all my Barclay cards, and wait a while before applying again?
  3. I had this problem when the CU checking account started having fees/min-balances/hoop-jumping, so I wanted to close all the CU accounts. But I realized the CU has my oldest credit card by far, so I wanted to keep that. The solution was simple. Close the checking account. Keep the savings account and credit card. The savings account has only $5 min-balance and no fees.
  4. That's just a reminder of a permanent deal.
  5. Aargh, checked online app status, and saw it was denied. Scores around 790, about 4 Inq and 7 new cards in last 12 months. Only Barclay cards are 2 SMs. Should I recon? What do I say? (Never done this before.) I don't want to give up one of the Sallie Maes, though I'd go fo moving some limits over. Suggestions? Yes... Recon. Tell them you would like to be reconsidered for card approval. Offer to move some limits around if they don't offer first. Be prepared to answer A LOT of questions. What kind of questions? Income, employment, why you opened 7 new accounts in the last 12 months, why is there a $10 balance on x card , etc., etc. Just be honest, you'll be fine. ETA - Tell them how excited you are to possibly get the Arrival + and how much you "just love" Barclay. My only previous recon attempts were Chase and USBank, and I hit a brick wall both times. And I get phone phobia. That said, this time with Barclay recon was totally easy. They said it was denied,but they'll see what they can do, they just asked basic questions (e.g. salary) then said they didn't want to extend more credit, so all I had to do was shift limits around, and they approved the card.
  6. I get 5% cash back at Walmart with the Sallie Mae card, but that is closed to new applications (and may not continue for old cardholders). Any 2% cash back card will get you 2% cash back card everywhere. You might as well get a 2% cash back card anyway. The BankAmericard Cash Rewards Credit Card looks useless, but the rewards get boosted if you have Bank of America Preferred Rewards Program. Here's some links (may be out of date) http://www.doctorofcredit.com/best-credit-card-for-grocery-store-purchases/ http://www.magnifymoney.com/blog/earning-cashback/best-cash-back-credit-cards-for-every-category222723218
  7. I've noticed a lot of bugs and glitches on the BOA website. Lots of inaccuracies, duplications, omissions, inconsistencies, but so far it's just been a problem with what they display, and in the end the correct transactions are made. But they definitely have problems in their IT department that need to be fixed.
  8. Aargh, checked online app status, and saw it was denied. Scores around 790, about 4 Inq and 7 new cards in last 12 months. Only Barclay cards are 2 SMs. Should I recon? What do I say? (Never done this before.) I don't want to give up one of the Sallie Maes, though I'd go fo moving some limits over. Suggestions? Yes... Recon. Tell them you would like to be reconsidered for card approval. Offer to move some limits around if they don't offer first. Be prepared to answer A LOT of questions. What kind of questions?
  9. Aargh, checked online app status, and saw it was denied. Scores around 790, about 4 Inq and 7 new cards in last 12 months. Only Barclay cards are 2 SMs. Should I recon? What do I say? (Never done this before.) I don't want to give up one of the Sallie Maes, though I'd go fo moving some limits over. Suggestions?
  10. Apped for Barc Arr+ a few days ago. Got alert from CK of a HP on TU as expected. But the next day CK said the HP had been removed again?! Not sure what to make of that. I got a 10 day message about the app, so still waiting.
  11. Exactly. We have ASTC reciprocal membership which gets the whole family into any museum within a day's drive, that our kids are interested in (kids/science museums), for free, any day. It could be that there is an interesting museum on BOA's list and not on ASTC's, five states away, that we may happen to be at on the first weekend of the month, so I'll keep the AU trick in mind for that.
  12. How do you use this to get your whole family in free? What if both parents have a card, but none of the kids do? Read my post, and you'll find your answer I guess I was checking that you were serious about the AU thing for 3+ year olds.
  13. How do you use this to get your whole family in free? What if both parents have a card, but none of the kids do?

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines