0% chance of getting Barclaycard Rewards Visa ??

NoodleDoodleMan

Malkytheheed said:

Not had a barclayc ard in the last 10 years anyway. Sounds like I might have dodged a bullet here anyway! What are peoples recommendations for a (typically) high limit travel card? 

I've had one since it was marketed - no significant issues.

Why not apply - these eligibility checker sites are not infallible ?

As above, Barclays appear to work in weird ways - failing that the Halifax Clarity is an excellent card.

cymruchris

wiseonesomeofthetime said:

@Malkytheheed - It looks like you are using a Third Party eligibility checker.

If so, may I suggest you try the one provided by Barclaycard and see if you get a different result.

https://www.barclaycard.co.uk/personal/credit-cards/eligibility-checker

As has been mentioned, but you didn't acknowledge - try the direct eligibility checker - not the generic comparison site checker and let us know what that says.

Malkytheheed

Hi, just to conclude this. Thanks for all the tips. I did an eligibility checker directly on the barclaycard website and it say I would be accepted but a limit of only £1200. I tried the eligibility checker on Halifax (clarity) and it said I would be accepted with a limit of £17000, so I have gone with that. Thanks for help. 

NoodleDoodleMan

Malkytheheed said:

Hi, just to conclude this. Thanks for all the tips. I did an eligibility checker directly on the barclaycard website and it say I would be accepted but a limit of only £1200. I tried the eligibility checker on Halifax (clarity) and it said I would be accepted with a limit of £17000, so I have go.

ne with that. Thanks for help. 

Why not go for both - the Reward card won't incur interest at ATMs for currency and will give cashback ?

Use the Clarity if/when you reach the credit limit, goods and and services.

Best of both worlds.

cymruchris

Malkytheheed said:

Hi, just to conclude this. Thanks for all the tips. I did an eligibility checker directly on the barclaycard website and it say I would be accepted but a limit of only £1200. I tried the eligibility checker on Halifax (clarity) and it said I would be accepted with a limit of £17000, so I have gone with that. Thanks for help. 

That's quite a disparity in the credit limit offerings. (Was the Barclaycard an actual offer of £1200? Or were they showing you the nonsense piece of legislation that shows that the credit would cost at an assumed limit of £1200?)

MalMonroe

Malkytheheed said:

Hi, just to conclude this. Thanks for all the tips. I did an eligibility checker directly on the barclaycard website and it say I would be accepted but a limit of only £1200. I tried the eligibility checker on Halifax (clarity) and it said I would be accepted with a limit of £17000, so I have gone with that. Thanks for help. 

Hi, just to ask if the Halifax clarity card limit is really £17,000? Have you actually been accepted for that card? As cymruchris says above, that is quite a disparity.

It's just that you said this in your OP, way back at the beginning of July -

"I'm currently travelling with my Aqua card but it's just dire, the limit is only a couple of grand and I'm constantly throwing money at it to bring the balance down so I can use it again."   

- I think the reason you received such a negative response from Barclaycard was because an Aqua credit card is usually used by those who have had bad credit who use it to improve their credit reports (I was accepted for a similar 'Ocean' card by Capital One when I came out of my DRO a few years ago and gradually moved up to a 'proper' Capital One CC after I proved myself capable of managing well. I've now left them behind and have three more 'respected' credit cards.) 

As you say, the Aqua limit is low. But if lenders see you have been using the Aqua for a while - three years is quite a while - they will assume you have been in, and still are in, financial trouble. You say you bring the balance down so you can use it again - not that you clear the balance. That's another red flag to lenders. I know it sounds extremely dopy but it took me a long time to understand the significance of Martin Lewis' mantra 'clear the balance in full, every month'.  

I do hope you manage to get the card you want.

cymruchris

MalMonroe said:

"I'm currently travelling with my Aqua card but it's just dire, the limit is only a couple of grand and I'm constantly throwing money at it to bring the balance down so I can use it again."   

- I think the reason you received such a negative response from Barclaycard was because an Aqua credit card is usually used by those who have had bad credit who use it to improve their credit reports

Happy to be corrected if wrong - but my understanding is that a financial institution checking your report cannot see who the lenders that you currently have accounts with are. They wouldn't know if it was Aqua (Newday), Capital One, Vanquis, Amex, HSBC or any other card provider. They can only see the time you've had your accounts and your payment/balance/limit history. It could be 'guessed' that if you have a card with a £500 limit it's likely going to be a credit builder - and if you have a card with a £10k limit, it's likely to be towards the upper end of the market, but that's as far as it goes. So having an Aqua card in itself isn't something that would deter other credit providers, as they'd not know you had one. 

wiseonesomeofthetime

cymruchris

I was under exactly the same impression 

Malkytheheed

MalMonroe said:

Malkytheheed said:

Hi, just to conclude this. Thanks for all the tips. I did an eligibility checker directly on the barclaycard website and it say I would be accepted but a limit of only £1200. I tried the eligibility checker on Halifax (clarity) and it said I would be accepted with a limit of £17000, so I have gone with that. Thanks for help. 

- I think the reason you received such a negative response from Barclaycard was because an Aqua credit card is usually used by those who have had bad credit who use it to improve their credit reports (I was accepted for a similar 'Ocean' card by Capital One when I came out of my DRO a few years ago and gradually moved up to a 'proper' Capital One CC after I proved myself capable of managing well. I've now left them behind and have three more 'respected' credit cards.) 

As you say, the Aqua limit is low. But if lenders see you have been using the Aqua for a while - three years is quite a while - they will assume you have been in, and still are in, financial trouble. You say you bring the balance down so you can use it again - not that you clear the balance. That's another red flag to lenders. I know it sounds extremely dopy but it took me a long time to understand the significance of Martin Lewis' mantra 'clear the balance in full, every month'.  

I do hope you manage to get the card you want.

Bit confused by this? I got the Aqua card because it offered 0.5% cashback and fee free travel use. What other card offers that? Nothing to do with being a "bad credit" card? (I didn't even know it was such a thing). I'm not in finnancial trouble or have been. I'm really taken aback by you saying that lenders will assume I have been in finnancial trouble because I choose a credit card with the best offering? I plan to still keep the card for small purchases abroad because no other card offers me fee free AND 0.5% cashback.  

As for bringing the balance down so I can use it again, how is this another red flag? I do clear my balance in full every month, always. But If I spend £1000 of a £1200 limit on say July 12th. If I want to spend more than £200 in the next 4 weeks I have to manaually pay off the £1000 first. 

As above, I was accepted (full application) for the Clarity card with the £17K limit. It's arriving soon. 
Barclay card eligibility checker said I would be accepter with a £1200 limit. So I didn't take it. 

Malkytheheed

cymruchris said:

Malkytheheed said:

Hi, just to conclude this. Thanks for all the tips. I did an eligibility checker directly on the barclaycard website and it say I would be accepted but a limit of only £1200. I tried the eligibility checker on Halifax (clarity) and it said I would be accepted with a limit of £17000, so I have gone with that. Thanks for help. 

That's quite a disparity in the credit limit offerings. (Was the Barclaycard an actual offer of £1200? Or were they showing you the nonsense piece of legislation that shows that the credit would cost at an assumed limit of £1200?)

It was the actual offering as per the eligibility checker. As far as I could tell it was "you will be accepted for this card with this limit". 

I did full application with Halifax and got the £17K as suggested.