Over the years I have been turned down twice for credit cards back when my credit was young. I have since opened and seccessfully maintained and/or paid off 4 credit cards. I received a "Pre-Approved" offer from Barclaycard for credit card so I went ahead and applied since I had just closed 2 credit cards. I was then informed that I was denied due to my credit dropping to 690 becuse I purchased a house. Normally being denied wouldnt bother me but evidently these idiots that be at Barclaycard thought it wise to waste my time and use decietful practices in trying to reel customers in. I also not have a hard inquiry on my credit report. I would avoid this company. In addition to this I have since found many firsthand accounts of how deceitful and difficult the company is to work with. I am now glad I was denied. Almost made a big mistake.
Balance tranfer offers are subject to how they feel on a given day despite having a 840 FICO and nearly four years of perfect payments with them. They don't even have the decentcy of sending you a letter or caling.
i love this card, i have 2 barclay cards and they are helping me build my credit well.
I have a really good credit history with my scores between 720 to 735. Barclay runs random evaluation and will decrease your credit limit with no notice and throw your credit utilization out the door. NONE of my other creditors have or will ever do that!!! You couldn't pay me to get this card again...If you get this card; remember you have been warned.
CK says my odds are poor but I was approved with a $1300 limit. I did have to call in for verification though it wasn't an instant approval
Barclays can be sensitive so I won't use this card much after the initial $100 reward bonus.
I have bank cards by Capital One, Synchrony Bank and Merrick. I added this one and want an AMEX and Discover to round things out. No thank you on Chase and I haven't looked into Citi.
#1 - you can't use your card now because you don't have it (or can you?) - immediately after I signed up for the card, the reservation warned me that I would have to pay again using a different card. Didn't use it.
#2 - didn't get the card for about a month
#3 - got a reminder email to activate card I never received.
#4 - called the number on the email and voice response system is ONLY set up to hear a card number. Repeated a variety of "no number", "don't have" "help (8x)" etc, response and after about ten minutes it finally routed me to a person. I cancelled the card immediately, as this is indicative of a shoddy operation, in my opinion. If this is how they start a relationship, I can't imagine how much worse things would be if you ever actually needed any real help. Nope, never, not gonna happen.
I have had this card for about 6 years (maybe longer) Barclay's Bank (Bank behind the card is ok) but try to redeem points - I just gave up 60,000 (yes 60,000 points). I could never ever redeem them. I tried multiple times booking a flight only to be told no seats available. On one occassion after trying to book for anytime up to 4 months out to Milwaukee I asked the customer service specialist where I could fly -- anywhere-- anytime to redeem my points -- and they could not give me one single flight. I wish the CFPB (Consumer Finance Protection Bureau) would investigate this company as far as I am concerned it is both false and deceptive advertising. I will never fly frontier again - not to wish them well but maybe someone will buy them sooner than later and put them out of thier misery for everyones sake. Good luck trying to redeem the points for anything - they say you can use to rent a car (give that a try - didn't work for me either) but if you love magizines I think you might be able to redeem for them sucessfully - let me know if anyone has been successful.
This is a serious warning....... don't fall for their 50,000 miles scam...... they would give you every reason why they can't grant you the miles even if you spend the minimum required amount and fell short one little thing.
Warning......... do not open an account with Miles & More MasterCard. These guys are the biggest scam ever. Bad customer service. Worst company to ever deal with. Try to stick with Credit Card company that is the USA (they know customer service) based, not a British or whatever other country's credit card companies are................