Pre-approved Barclaycard - worried about being closed down just like other people

book12

donnap83 wrote: »

I don't want to burst your bubble, however, they are known for closing the account up to a month after you have activated it, and started using it. I've had mine a month now, used it, then paid the balance off the following week, just in case.

Be very careful.

I will bear this in mind.

I assume that didn't happen to you then.

donnap83

book12 wrote: »

I will bear this in mind.

I assume that didn't happen to you then.

Not yet, however i paid the balance straight away just in case they cancel. It's coming upto a month since i got it.

book12

donnap83 wrote: »

Not yet, however i paid the balance straight away just in case they cancel. It's coming upto a month since i got it.

I see.

When month 2 arrives, tell me if your card can be still used. If so, that means they won't close your credit card.

donnap83

book12 wrote: »

I see.

When month 2 arrives, tell me if your card can be still used. If so, that means they won't close your credit card.

Not strictly true. They can close your account whenever they want.

izools

book12 wrote: »

Card activated.

The customer service agent didn't say anything about my card being closed down, like other people have experiencedwhen they call to activate their card they have mentioned that the card has been closed down.

They tried to sell me other stuff which I politely declined.

No need to go down the sub-prime route!

Excellent!

Glad you got the Platinum card in the end, bet those years of running your current account so well all seem all the more worth it now

Oh, and just had to say, told you so hehe

Enjoy your new plastic :beer: (sensibly, ofc)

book12

izools wrote: »

Excellent!

Glad you got the Platinum card in the end, bet those years of running your current account so well all seem all the more worth it now

Oh, and just had to say, told you so hehe

Enjoy your new plastic :beer: (sensibly, ofc)

I have been with the bank for quite a reasonable amount of time (coming up to 2 years soon).

Glad I don't need to go down the sub-prime route. I also got other pre-approved offers like loans, etc... which I refused.

Applied in branch, and got an immediate acceptance and a generous credit limit.

Despite the pre-checker saying 70-80%, I got it.

Haven't seen you on here for a while, how have you been?

izools

Yeah been good, thanks for asking.

Not such the frequenter of these forums as I used to be, only part time now

Landlord has served notice as she's selling up so moving this month. Fun and games. Good thing really, as the flat I'm in is a bit rubbish.

Oh and nice suprise for my OH in April - he was turned down for a consolidation loan so I managed to get a second one from Zopa for him at 11.5% APR! Niice. Although I'm charging him 13.9% APR, naturally.

/rant.

(Bet you wish you hadn't asked now, life story...)