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  • FIRST POST
    CIMA LOVER
    Upgrading Barclaycard Gold
    • #1
    • 22nd Jan 06, 7:07 PM
    Upgrading Barclaycard Gold 22nd Jan 06 at 7:07 PM
    Hi all, and happy new year.

    I just wanted to ask if anyone knew the minimum limit required to upgrade to a Barclaycard Platinum.

    My current Gold card has a APR of 14.9% purchases and 21.0% cash advances. I have held it for 9 months, and have a limit for 2450. I used my barclaycard for everything, (even McDonals) and normally pay off 50% to 100% of the balance every month.

    I've asked Barclaycard customer services, and they just say I dont qualify.

    Any help would be much apperiated.
Page 1
    • YorkshireBoy
    • By YorkshireBoy 22nd Jan 06, 7:24 PM
    • 27,868 Posts
    • 15,749 Thanks
    YorkshireBoy
    • #2
    • 22nd Jan 06, 7:24 PM
    • #2
    • 22nd Jan 06, 7:24 PM
    According to http://www.barclaycard.co.uk/Products/Apply/summary_box/platinum.html the Platinum card is 17.9% for purchases and 21.9% for cash advances.

    As you don't always clear your balance monthly, your (purchase) borrowings will be 20% more expensive - surely? :confused:

    When you say "I just wanted to ask if anyone knew the minimum limit required to upgrade to a Barclaycard Platinum", what do you mean? Do you mean the credit limit that they will give you? If so, then it's 'subject to status'.
    Last edited by YorkshireBoy; 22-01-2006 at 7:28 PM.
  • CIMA LOVER
    • #3
    • 22nd Jan 06, 7:38 PM
    • #3
    • 22nd Jan 06, 7:38 PM
    I dont mean the credit they will give me.

    Exisiting customers whom wish to upgrade their accounts need to have a certain credit limit before they are upgraded

    For example, when upgrading to a Gold card, a 1500 credit limit is required on the account.

    Also my APR wont change, as it didn't changed when i was upgraded before.

    I wanted to know what limit an existing customer needed to upgrade to the Platinum card.
  • desiman
    • #4
    • 22nd Jan 06, 7:50 PM
    • #4
    • 22nd Jan 06, 7:50 PM
    I have just been upgraded to Platinum after having a 7,500 credit limit. Though im not sure what benefit it is to upgrade from Gold to Platinum? :s
  • CIMA LOVER
    • #5
    • 22nd Jan 06, 7:54 PM
    • #5
    • 22nd Jan 06, 7:54 PM
    From what i understand you can upgrade in the following order.

    Classic
    Gold
    Platinum
    Simplicity

    As you can see in order to upgrade to a simplicity card (6.9%) I first need a platinum card. Also i have a default, so i can not apply anywhere else.
  • Penny-Pincher!!
    • #6
    • 22nd Jan 06, 8:28 PM
    • #6
    • 22nd Jan 06, 8:28 PM
    Hi

    Upgraded to a BC Plat last year. My APR is 14.9% but dont really use, or if do I pay in full, so no % is ever paid. Credit limit is 9k. I can also BT at 6.9% LOB with no fees...not excellent but OK.

    PP
    xx
    To repeat what others have said, requires education, to challenge it,
    requires brains!

    FEB GC/DIESEL 200/4 WEEKS
  • CIMA LOVER
    • #7
    • 23rd Jan 06, 8:39 AM
    • #7
    • 23rd Jan 06, 8:39 AM
    Hi

    Upgraded to a BC Plat last year. My APR is 14.9% but dont really use, or if do I pay in full, so no % is ever paid. Credit limit is 9k. I can also BT at 6.9% LOB with no fees...not excellent but OK.

    PP
    xx
    by Penny-Pincher!!
    How did you upgrade your account Penny Pincher? Did you phone Barclaycard or did they phone you? Thanks
    • Andybez38
    • By Andybez38 3rd Feb 06, 7:49 AM
    • 1,457 Posts
    • 910 Thanks
    Andybez38
    • #8
    • 3rd Feb 06, 7:49 AM
    • #8
    • 3rd Feb 06, 7:49 AM
    I have just contacted barclaycard through there website asking for a lower intrest rate on my barclaycard. I think they were charging me arround 19%. They contacted me back and said the following

    Thank you for your email.

    In order to review your account to reduce the interest rate, I have
    forwarded your e-mail to the relevant department. You should receive a
    reply from them in 7 days.

    Also, I note that your account is eligible for an upgrade to a Gold
    account, please e-mail me back by 'Reply' confirming whether you wish us
    to upgrade your account and I will assist you further.

    I look forward to hearing from you soon.



    Kindest regards

    Rohini M (Miss)
    Customer Account Manager
    Barclaycard Online Service

    I contacted them regarding the upgrade and tis is how it went

    Thank you for contacting me again.

    I am pleased to confirm that your account has qualified for an upgrade
    to a Gold account.
    Your new Gold card will be produced and sent out for you once your next
    statement has
    been produced, which will be on the 7th February 2006. You should
    receive your new Gold
    card by the 14th February 2006.

    As your account will be changing to a Gold account, when you receive
    your new card, please
    remember to notify any companies that regularly charge monthly or annual
    subscriptions to
    your Barclaycard account of your new card number.

    I must inform that the purchase interest rate will be 11.9% and 17%
    interest will be charged
    for all cash advances for a Gold account.

    Also, I wish to inform that there are many factors that are taken into
    consideration while
    determining credit limit increase. However, we do review a request for
    credit limit increase
    every three months time. If all the criteria's meet we increase the
    credit limit.

    If you wish to request for an increase in credit limit, please e-mail me
    back by 'Reply' confirming:

    - Your annual income
    - The reason why you are requesting a credit limit increase
    - The amount you are requesting your limit be increased to

    I look forward to hearing from you.



    Kindest regards

    Rohini M (Miss)
    Customer Account Manager
    Barclaycard Online Service

    Now for the credit limit increase, i will keep you posted. I am asking for an increase from 3k to 5k
  • CIMA LOVER
    • #9
    • 3rd Feb 06, 9:19 AM
    • #9
    • 3rd Feb 06, 9:19 AM
    I was allowed to upgrade to gold when I got 2200 limit, but they didnt increase my limit, bass toads.
  • CIMA LOVER
    I have just contacted barclaycard through there website asking for a lower intrest rate on my barclaycard. I think they were charging me arround 19%. They contacted me back and said the following

    Thank you for your email.

    In order to review your account to reduce the interest rate, I have
    forwarded your e-mail to the relevant department. You should receive a
    reply from them in 7 days.

    Also, I note that your account is eligible for an upgrade to a Gold
    account, please e-mail me back by 'Reply' confirming whether you wish us
    to upgrade your account and I will assist you further.

    I look forward to hearing from you soon.



    Kindest regards

    Rohini M (Miss)
    Customer Account Manager
    Barclaycard Online Service

    I contacted them regarding the upgrade and tis is how it went

    Thank you for contacting me again.

    I am pleased to confirm that your account has qualified for an upgrade
    to a Gold account.
    Your new Gold card will be produced and sent out for you once your next
    statement has
    been produced, which will be on the 7th February 2006. You should
    receive your new Gold
    card by the 14th February 2006.

    As your account will be changing to a Gold account, when you receive
    your new card, please
    remember to notify any companies that regularly charge monthly or annual
    subscriptions to
    your Barclaycard account of your new card number.

    I must inform that the purchase interest rate will be 11.9% and 17%
    interest will be charged
    for all cash advances for a Gold account.

    Also, I wish to inform that there are many factors that are taken into
    consideration while
    determining credit limit increase. However, we do review a request for
    credit limit increase
    every three months time. If all the criteria's meet we increase the
    credit limit.

    If you wish to request for an increase in credit limit, please e-mail me
    back by 'Reply' confirming:

    - Your annual income
    - The reason why you are requesting a credit limit increase
    - The amount you are requesting your limit be increased to

    I look forward to hearing from you.



    Kindest regards

    Rohini M (Miss)
    Customer Account Manager
    Barclaycard Online Service

    Now for the credit limit increase, i will keep you posted. I am asking for an increase from 3k to 5k
    by Andybez38

    Any news??
    • anactuary
    • By anactuary 8th Feb 06, 5:53 PM
    • 568 Posts
    • 139 Thanks
    anactuary
    From what i understand you can upgrade in the following order.

    Classic
    Gold
    Platinum
    Simplicity

    As you can see in order to upgrade to a simplicity card (6.9%) I first need a platinum card. Also i have a default, so i can not apply anywhere else.
    by CIMA LOVER
    This was the reply I got when I asked to upgrade from plat to simplicity.....

    Simplicity is a new product that we are currently trialling and is only
    available to new customers.
    However, this does not mean that you, as an existing Barclaycard
    customer, have to lose out:
    We offer very competitive Balance Transfer rates for existing customers
    (currently 6.9% for the
    life of the balance). From time to time you might also receive
    promotional balance transfer offers
    from us through the post, which are worth looking out for.

    Anyone managed to get simplicity as an upgrade?
    • Andybez38
    • By Andybez38 9th Feb 06, 2:46 PM
    • 1,457 Posts
    • 910 Thanks
    Andybez38
    credit limit increase
    Yes there is news. On allowing me too upgrade to a gold card, i then asked for a new credit limit. I did have a 3k limit and asked for 5k. They Refused me that limit but did up it upto 4k
  • CIMA LOVER
    Yes there is news. On allowing me too upgrade to a gold card, i then asked for a new credit limit. I did have a 3k limit and asked for 5k. They Refused me that limit but did up it upto 4k
    by Andybez38
    Sorry if this very nosey, but how did you apply for your credit limit increase? Was it online or telephone, also, how do you mainly use your card? i.e purchases, BT??
  • Penny-Pincher!!
    Hi

    I called and asked. Went from a classic to a Platinum straight away, asked for a credit limit increase and was accepted again straight away from 4k to 9k.

    PP
    xx
    To repeat what others have said, requires education, to challenge it,
    requires brains!

    FEB GC/DIESEL 200/4 WEEKS
    • Andybez38
    • By Andybez38 9th Feb 06, 8:15 PM
    • 1,457 Posts
    • 910 Thanks
    Andybez38
    credit limit increase
    I originally contacted them through the online barclaycard site, through the contact us. I then told them i was not happy with the intrest i was paying and could they reduce it in anyway, as i was going to close my account. They replied telling me that it was being passed on to another department dealing with the intrest. In the same e mail they said i was eligible to upgrade to a gold account. I replied saying i was happy to upgrade, but was it lower intrest, and was the credit limit higher. Again they replied saying the intrest was now interest rate will be 11.9% and 17%
    interest will be charged
    for all cash advances for a Gold account. So all in all it was via the website via contact us. I have only ever used this account for purchases and there now is a zero balance having paid off 870.00 last statement.
  • Catseyez
    Cima, I've just replied to your PM.

    Are you sure you can't get a better card from another provider? Before I got upgraded to Platinum, I'd been late and missed a couple of payments. But I also bank with them, so that might help.

    The more products you have with Barclays, the more they like upgrading. I also have a Platinum current account and that was also arranged for me without asking. The reason I qualified was because I held a Goldcard and a loan of 5000. If you go to the Barclays bank site, it lists all the requirements for each type of account.

    I can't see where it lists the requirements for a platinum credit card though.

    The only thing you can do, is phone and ask what the requirements are. I find with Barclaycard, the sweeter you are on the phone, the more likely they are to want to do things for you. Don't bother with online, go for the personal touch!
    • chalky_bertie
    • By chalky_bertie 10th Feb 06, 7:29 PM
    • 1,150 Posts
    • 326 Thanks
    chalky_bertie
    What are the benefits of upgrading from Gold to Platinum? Is there any?
    **BERTIE**


    Did you Know: It costs more than 325,000 a day to run the lifeboat service? (with no government funding) Please donate to the RNLI
  • desiman
    No benefits whatsoever!
    • chalky_bertie
    • By chalky_bertie 11th Feb 06, 7:33 PM
    • 1,150 Posts
    • 326 Thanks
    chalky_bertie
    No benefits whatsoever!
    by desiman
    So whats the point?
    **BERTIE**


    Did you Know: It costs more than 325,000 a day to run the lifeboat service? (with no government funding) Please donate to the RNLI
    • PJHilder
    • By PJHilder 7th Jun 06, 4:55 PM
    • 128 Posts
    • 27 Thanks
    PJHilder
    I've just got off the phone to Barclaycard after reading the credit card shuffle article. Basically asked them if they could offer me a better rate than my current 19.9. My limit with them is only 400 currently a graduate card.

    So they said they'd try to upgrade me to a Gold card. Somehow I don't see them giving me it. All I asked for was a better rate and didn't mention anything about credit limits.

    Is it possible to get a gold card with such a low limit?

    Paul.
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