Barclaycard Improved Deal

willLeeds

Hi Guys,

Recently i lost a default from my credit file after 6 years.

I did a MSE soft search out of curiosity and it came back with a 90% chance of a Barclaycard Platinum at 18.9% APR.

At the moment i have a Barclaycard initial at at rate of 34.9% APR.

I was curious to know, if i speak to Barclaycard is it likely that they would upgrade my account with them or is it just case of waiting and as my credit worthiness with them improves, they will offer me a better deal.

Ive only had the Barclaycard Initial around 6 months.

bigadaj

You can ask but I wouldn't be too optimistic.

How much do you owe on the card?

I might be tempted to try a single application to another card group, probably one with a 0% offer if this gets declined then leave it a few months and try again.

jonesMUFCforever

From a business point of view why would Barclaycard get in touch with you to offer a better deal for you but not them.


IMO you have to be proactive and ask them or try elsewhere for a card.
If you get another one you have a lever to use against Barclaycard and there has been several posts on these boards that some customers have been offered a bribe of £50 not to close their accounts.

claret_mike

I negotiated my rate down with barclaycard...

Just ring up and ask if they can review the rate, explain you are possibly looking at using it but feel there may be cheaper rates available elsewhere and can they can review your purchase rate.

I did this a few years ago so may have changed but you can ask...

Gazwa

I had my initial for around 8 months at the same rate as you, but simply sent them a message recently on my account online asking if i can upgrade the account.They replied within a few hours and said i can but need to call.

Called them and they upgraded the card, no further credit checks.. offered 0% on balance transfers until 1st August however Apr and credit limit are remaining the same for now....

Ant.Evs

I Had my Initial for aroun 6 months then just applied online for the Platinum.

I now have both.

The initial on 29.9% and the Platinum on 18.9%

Just apply for it. :-)

*Diva*

Just phone them directly.I had a barclay card and when I called them about 3days after recieving it to close it as i applied for the wrong offer they added 0% purchases and offered cashback etc.
I wouldnt apply for another card i just made them think I would close their card down