I have had nothing but good luck with BarclayCard. Great customer service. Good auto CLI periodically. They also lowered my APR on request by 3%.
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. Credit line is awesome and the customer service is wonderful.
I was stunned when I received an email about my new FICO score 2 days after applying. I went fri. 779 to 749!!! I original opened to transfer some balances for the 0% for 21 months. However, when I applied the offer was there for me to use. I called and was told to check back. I don't even have the actual card yet and I'm planning never to use this account ever!!
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.
Mathematically, for every dollar R =1 we spend, we get R(0.05) = 1(0.05) in cash back; but if we use our cash back--within 120 days--to pay our bill after using our card on Priceline.com, we get an additional 1(0.05)(0.10) = 0.005 back as well. That is, for every dollar R we spend, we get R((0.05) + (0.005)) = 1(0.055) effective dollars in cash back! (However, note that we are ignoring the time-value-of-money and our oppertunity cost-of-capital; e.g., investing our cash back instead.) Hence, overall, this card great as long as Priceline.com is offering the lowest prices in the market--5.5% cash back is hard to beat. Moreoever, this is a great choice for someone who wants a travel card but doesn't want to pay an annual fee. e.g., the Chase Sapphire gives you $625 in rewards, but after amortizing that for 5 years (given its $95 annual fee), you would only have left 625(1.01)^5 - 95 *S angle 5 at 0.01 = $172.29 (assuming you could deposit that into a savings account somewhere). Anyway, luckily for you, my two cents was free. Note: "Travel purchases eligible for the 10% Travel Redemption Bonus are defined as: Airlines, Hotels, Motels, . . ., Travel Agencies, Tourist Attractions, Discount Travel Sites, Trains, Buses, Taxis, Limousines, and Ferries. To qualify for the 10% Travel Redemption Bonus, travel purchases must be submitted by merchants using the eligible merchant category codes for purchases in the above categories." But remember, "Purchases at priceline.com that are not eligible [to earn 5% cash back] include cruise bookings, non-Name Your Own Price® car reservations, and hotel reservations designated as Pay When You StaySM." You're welcome.
On my Barclay card statement it states that I had 40,000 miles transferred. When I call Frontier, they can find NOTHING about me. I gave them my name, Frequent flyer #, phone number, etc..... I talked with 2 different people at Frontier and they could not find ANYTHING about me, even though I have been emailed twice with my Frequent flyer info. They say the number doesn't exist, my name doesn't exist, my phone number doesn't exist... what a nightmare! I have a feeling this will be a LONG process to resolve!!
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................