Barclaycard- no transfer offers?

maxximus75

No offers for me for about 18 months now.


I cleared the card about 4 months ago.

fredjxl

maxximus75 wrote: »

No offers for me for about 18 months now.


I cleared the card about 4 months ago.

Same for me. I spent £20 on it last night to see if that might change anything as its now being used.

I'm tempted to pay it off again and close it down but don't know how it would affect my credit rating.

Had it for nearly 10 years and has a 9k limit.

I want to make a balance transfer to it in september when my other offers run out..

Decisions...

[Deleted User]

fredjxl wrote: »

I'm tempted to pay it off again and close it down but don't know how it would affect my credit rating.

It will show as as a closed account. Your overall available credit will reduce, utilisation will go up if you are carrying balances elsewhere. The average age of account may change.

Lenders may interpret it as a good or bad thing, depending on your income, available credit and other indebtedness.

Experian of course will drop your score like a rotting squirrel carcass, but that is neither here nor there.

mro

Last offers I had were:

Feb 2018:
0% for ~15 months on both Balance & Money Transfers till 1 May 2019, 2.9% fee, made before 28 Feb 2018


Similiar offers for previous 5 months.

Jan 2018:
0% for ~15 months on both Balance & Money Transfers till 1 April 2019, 2.9% fee, made before 31 Jan 2018

Dec 2017:
0% for ~15 months on both Balance & Money Transfers till 1 March 2019, 2.9% fee, made before 31 Dec 2017

Nov 2017:
0% for ~15 months on both Balance & Money Transfers till 1 Feb 2019, 2.9% fee, made before 30 Nov 2017

Oct 2017:
0% for ~15 months on both Balance & Money Transfers till 1 Jan 2019, 2.9% fee, made before 31 Oct 2017

Sep 2017:
0% for ~15 months on both Balance & Money Transfers till 1 Dec 2018, 2.9% fee, made before 30 Sep 2017


No offers since Feb 2018.

2ilent8cho

I use to get offers all last year but this year? nothing. Also noticed if you go to use the pre-check application for a credit card now and you answer yes to do you currently have a Barclay Card it pops up saying you can only have 1, which it never use to. Since i still have the initial card i cannot apply for better one without first closing this one.

Weybridge78

MallyGirl wrote: »

The offer I had received in the post was 0% on BT till June 2020 for 2.4% fee. Shame I could take it up.

I have the same.

planteria

i'm still receiving an offer in the post each month.
i use the card for some spending, generating some cashback.. and will look to BT to it during August. whether i would be better to apply for a second Barclaycard is the only query in my mind, if we can currently apply for second Barclaycards.

SnowTiger

planteria wrote: »

i'm still receiving an offer in the post each month.
i use the card for some spending, generating some cashback.. and will look to BT to it during August. whether i would be better to apply for a second Barclaycard is the only query in my mind, if we can currently apply for second Barclaycards.

I don't think you'll get a second card.

Answering yes to the question Do you already have a Barclaycard credit card? at Barclaycard eligibility checker:

If you already have another credit card provided by us (which may be one of our partner cards), we!!!8217;re unable to accept applications for a further card.

You can't balance transfer from one Barclaycard to another Barclaycard anyway.

circuit

I once played around with this (after a big balance transfer) and realised that offers were triggered when utilisation dropped under 90%.

However, in the last year (or more) no offers at all have been available. I've paid off loads of debt in that time, and my utilisation is now 70%. I suspect they've tightened things up.

Incidentally, I also used to have two Barclaycards without any problem so it's interesting that you can now only have one.

Nasqueron

My card is under 50% and I get monthly offers