What's the criteria/eligiblity for platinum barclaycard

globularity

I have been reading that the minimum income required for a platinum barclaycard is £20,000 yet I have got one and I have a total income of £9,400 tax free as I'm on benefits and working part time. When applying I said I had and income of 12,400 as I included the housing benefit and council tax benefit I get. Have they made a mistake? Also if I did qualify, how do you get the really low 7.9% apr cards (mine is 19.9%). P.S, I did ask the online advisor if I could include housing and ctax benefit as an income and they said you could include anything that was'nt tax credits. My current income is 13k tax free(when you include housing benefit and ctax) before overtime.

BugsyBrowne

Or though their eligibilty says 20k the application will go more on your credit history then how much you earn.

chris-j

Have you received the card yet. Barclaycard may give you a different card if you don't meet criteria for card applied for.

stclair

Have you tried the application checker?

https://letmechoose.barclaycard.co.uk/

YorkshireBoy

globularity wrote: »

how do you get the really low 7.9% apr cards (mine is 19.9%).

Put simply, you need a better credit rating (as assessed by them, not Equifax et al) than you've got.

chattychappy

Barclaycard has a fine tradition of cancelling accounts just opened....

Curr946

well i open by card a few months back and got the 7.9 rate and a generous limit. No issue with mine re being cancelled etc

globularity

chris-j wrote: »

Have you received the card yet. Barclaycard may give you a different card if you don't meet criteria for card applied for.

Hi yeah, I've had the card since january, had credit cards before this one and always paid the balance in full for a couple of years, maybe thats why