I was a little hesitant after looking at reviews and approval odds, but I applied anyway. I was declined, but called the reconsideration hotline and got the decision overturned. My card arrived quickly and I've been very happy with it. The interest is low, the cash advance apr is the same as regular purchases, and it's an all around great deal. Highly recommended.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0% intro for 15 Months
- Balance Transfer Regular APR 14.24%* Variable
- Annual Fee $0
- Purchase Intro APR Not Applicable
- Purchase Regular APR 14.24%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
I got this card four years ago. My primary reason for applying for this card in particular, was the interest rate, which was advertised to be low...and mine was, at 8%. I loved this card. It was my go-to card in emergencies. My approved credit limit was $5000. I had a couple of emergency car reparis come up and I had just over $2000 charged on the card. I watch and keep track of (and was proud of) my credit score. Zero late/missed payments, I kept my utilization low and had no derogatory marks. One year ago I made my monthly payment on my cards and checked my report a week after that--and was pretty angry that I found that, without any email, snail mail--any warning at all, that my credit limit had been dropped to $2200. So, the one card I had over 30% utilization on (2k of 5k limit was 40%), had now changed to 90% utilization--my credit score dropped 35 points! I called their customer service and tried to resolve this and get them to restore my credit limit. I was basically told that "we're sorry, but you're s$$t out of luck". I closed that account immediately. I make the minimum payments to them now, and will continue to do so. But, I refused to deal with Barclay any further after that little bit of unlubricated financial sodomy.
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Sample Size: 859
Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
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