Barclays Premier Current Account

ForumUser7

For Barclays Premier and other Premier providers, if you don't have a salary that meets the minimum (i.e. £75,000 for Barclays Premier Rewards, £100k for NatWest), and you were to fill out the application truthfully with your real salary, but circulate earnings around meaning the overall internal transfers were £75,000 per year (or the minimum for the premium), would this be a problem and result in a rejected application please? Thanks

Saver101101

ForumUser7 said:

For Barclays Premier and other Premier providers, if you don't have a salary that meets the minimum (i.e. £75,000 for Barclays Premier Rewards, £100k for NatWest), and you were to fill out the application truthfully with your real salary, but circulate earnings around meaning the overall internal transfers were £75,000 per year (or the minimum for the premium), would this be a problem and result in a rejected application please? Thanks

I would say it might be a problem, but after what I had read from other users today I am not so sure now.

I don't remember ever giving Barclays a Salary figure when they upgraded me, but then I had a Barclays bank account with a  connect debit card (anyone remember those), so when they upgraded me to Premier it was just a phone call with a Barclays Premier manager and I don't remember being asked about Salary, but it was a long time ago, and  my salary when I had the Bank Account originally certainly would not have qualified me for Premier.

Richard1212

Saver101101 said:

[Deleted User] said:

Wow I do like the HSBC premier cards. Not sure about Lloyds. Hopefully one day!

I have to ask, how is it you maintain all these accounts, do you move the money between them or actually have the income going into each account each month?

the only card I have yet to see on here is a real private bank such as Adam and company.

Never move money between accounts are your bound to get picked up and the accounts closed, anyway its not meant to be boastful, I am really not that sort of person (Despite what others may think, I was only trying prove a point that each account is different and has different benefits), I remember years ago having only £20 left at the end of the week and having to choose between petrol and food, at that point I vowed never to be in that situation again, I make each account work for me and save as much as I can.

So you need to have about £4 million approx in order to obtain all the cards shown on your photolab pic..............what are you doing on this forum ? I'd say that you are indeed, as your username says, a "saver" who dreams of being able to afford ONE Select Account, let alone the 8 we saw on your manufactured pic. Just my opinion of course------and a lot of other folks too 

Saver101101

Richard1212 said:

Saver101101 said:

[Deleted User] said:

Wow I do like the HSBC premier cards. Not sure about Lloyds. Hopefully one day!

I have to ask, how is it you maintain all these accounts, do you move the money between them or actually have the income going into each account each month?

the only card I have yet to see on here is a real private bank such as Adam and company.

Never move money between accounts are your bound to get picked up and the accounts closed, anyway its not meant to be boastful, I am really not that sort of person (Despite what others may think, I was only trying prove a point that each account is different and has different benefits), I remember years ago having only £20 left at the end of the week and having to choose between petrol and food, at that point I vowed never to be in that situation again, I make each account work for me and save as much as I can.

So you need to have about £4 million approx in order to obtain all the cards shown on your photolab pic..............what are you doing on this forum ? I'd say that you are indeed, as your username says, a "saver" who dreams of being able to afford ONE Select Account, let alone the 8 we saw on your manufactured pic. Just my opinion of course------and a lot of other folks too 

Manufactured Pic!, don't think so, easy way to solve it though, as if the picture was somehow fake you can ask me to send a Picture of one of the cards (You can choose), or put something on the card, or a statement perhaps, but no doubt you will say all those are Manufactured too.

Richard1212

Saver101101 said:

Richard1212 said:

Saver101101 said:

[Deleted User] said:

Wow I do like the HSBC premier cards. Not sure about Lloyds. Hopefully one day!

I have to ask, how is it you maintain all these accounts, do you move the money between them or actually have the income going into each account each month?

the only card I have yet to see on here is a real private bank such as Adam and company.

Never move money between accounts are your bound to get picked up and the accounts closed, anyway its not meant to be boastful, I am really not that sort of person (Despite what others may think, I was only trying prove a point that each account is different and has different benefits), I remember years ago having only £20 left at the end of the week and having to choose between petrol and food, at that point I vowed never to be in that situation again, I make each account work for me and save as much as I can.

So you need to have about £4 million approx in order to obtain all the cards shown on your photolab pic..............what are you doing on this forum ? I'd say that you are indeed, as your username says, a "saver" who dreams of being able to afford ONE Select Account, let alone the 8 we saw on your manufactured pic. Just my opinion of course------and a lot of other folks too 

Manufactured Pic!, don't think so, easy way to solve it though, as if the picture was somehow fake you can ask me to send a Picture of one of the cards (You can choose), or put something on the card, or a statement perhaps, but no doubt you will say all those are Manufactured too.

Yes, I would say that , so I'll leave you to dream on how to save very hard in order to try desperately to keep your £4-5 million 

Marchitiello

Richard1212 said:

Saver101101 said:

Richard1212 said:

Saver101101 said:

Deleted_User said:

Wow I do like the HSBC premier cards. Not sure about Lloyds. Hopefully one day!

I have to ask, how is it you maintain all these accounts, do you move the money between them or actually have the income going into each account each month?

the only card I have yet to see on here is a real private bank such as Adam and company.

Never move money between accounts are your bound to get picked up and the accounts closed, anyway its not meant to be boastful, I am really not that sort of person (Despite what others may think, I was only trying prove a point that each account is different and has different benefits), I remember years ago having only £20 left at the end of the week and having to choose between petrol and food, at that point I vowed never to be in that situation again, I make each account work for me and save as much as I can.

So you need to have about £4 million approx in order to obtain all the cards shown on your photolab pic..............what are you doing on this forum ? I'd say that you are indeed, as your username says, a "saver" who dreams of being able to afford ONE Select Account, let alone the 8 we saw on your manufactured pic. Just my opinion of course------and a lot of other folks too 

Manufactured Pic!, don't think so, easy way to solve it though, as if the picture was somehow fake you can ask me to send a Picture of one of the cards (You can choose), or put something on the card, or a statement perhaps, but no doubt you will say all those are Manufactured too.

Yes, I would say that , so I'll leave you to dream on how to save very hard in order to try desperately to keep your £4-5 million 

I think you have serious issues, there is nothing manufactured about that pictures and you could not possibly find those card in exactly that level of lighting, exposure, optical depth etc..

I have many of the same cards, excluding the Lloyds Private but with the Santander Select. I was upgraded by Barclays many years ago, when my salary got actually paid in. I have moved my Salary into HSBC Premier (after obtaining status though P60/Tax Return) and could have retained Barclays Premier for all those years without circulating the salary (the £20 charge has only just about been introduced) by decided to continually circulating my full earning so that Barclays had easy visibility of it when I had to discuss financial products with them (mostly mortgages).

as a matter of fact, here is a quick screen shot of my current selection on Apple Wallet (the red Santander is Actually Santander Zero -Forex Free Card- and the MBNA is the Horizon one - another Forex Free on Visa network).

PS: affluent people can and will still be benefiting from frequenting this forum, as they will be equally keen on making even more money or make their money going a bit further.

Richard1212

Marchitiello said:

Richard1212 said:

Saver101101 said:

Richard1212 said:

Saver101101 said:

[Deleted User] said:

Wow I do like the HSBC premier cards. Not sure about Lloyds. Hopefully one day!

I have to ask, how is it you maintain all these accounts, do you move the money between them or actually have the income going into each account each month?

the only card I have yet to see on here is a real private bank such as Adam and company.

Never move money between accounts are your bound to get picked up and the accounts closed, anyway its not meant to be boastful, I am really not that sort of person (Despite what others may think, I was only trying prove a point that each account is different and has different benefits), I remember years ago having only £20 left at the end of the week and having to choose between petrol and food, at that point I vowed never to be in that situation again, I make each account work for me and save as much as I can.

So you need to have about £4 million approx in order to obtain all the cards shown on your photolab pic..............what are you doing on this forum ? I'd say that you are indeed, as your username says, a "saver" who dreams of being able to afford ONE Select Account, let alone the 8 we saw on your manufactured pic. Just my opinion of course------and a lot of other folks too 

Manufactured Pic!, don't think so, easy way to solve it though, as if the picture was somehow fake you can ask me to send a Picture of one of the cards (You can choose), or put something on the card, or a statement perhaps, but no doubt you will say all those are Manufactured too.

Yes, I would say that , so I'll leave you to dream on how to save very hard in order to try desperately to keep your £4-5 million 

I think you have serious issues, there is nothing manufactured about that pictures and you could not possibly find those card in exactly that level of lighting, exposure, optical depth etc..

I have many of the same cards, excluding the Lloyds Private but with the Santander Select. I was upgraded by Barclays many years ago, when my salary got actually paid in. I have moved my Salary into HSBC Premier (after obtaining status though P60/Tax Return) and could have retained Barclays Premier for all those years without circulating the salary (the £20 charge has only just about been introduced) by decided to continually circulating my full earning so that Barclays had easy visibility of it when I had to discuss financial products with them (mostly mortgages).

as a matter of fact, here is a quick screen shot of my current selection on Apple Wallet (the red Santander is Actually Santander Zero -Forex Free Card- and the MBNA is the Horizon one - another Forex Free on Visa network).

I like these pics that are appearing like a wealth competition. It's hardly worth my while showing my couple of humble cards, including my NatWest Premier Select Account or my Credit Suisse Card.
And I thought I was well-off ! I need to have a lot of money to be accepted for my 2 main cards.

May I ask what income YOU have to have IN TOTAL to obtain the 13 Cards you have as shown in the above pic please ? I estimate it to be somewhere in the region of £10 million. What an asset your knowledge will bring to this forum.

[Deleted User]

I have a child and Co card, I can’t say I use it because I am too embarrassed. Even though you can get the card easily, I just don’t like to show wealth or even give the impression of wealth.

Marchitiello

Richard1212 said:

Marchitiello said:

Richard1212 said:

Saver101101 said:

Richard1212 said:

Saver101101 said:

[Deleted User] said:

Wow I do like the HSBC premier cards. Not sure about Lloyds. Hopefully one day!

I have to ask, how is it you maintain all these accounts, do you move the money between them or actually have the income going into each account each month?

the only card I have yet to see on here is a real private bank such as Adam and company.

Never move money between accounts are your bound to get picked up and the accounts closed, anyway its not meant to be boastful, I am really not that sort of person (Despite what others may think, I was only trying prove a point that each account is different and has different benefits), I remember years ago having only £20 left at the end of the week and having to choose between petrol and food, at that point I vowed never to be in that situation again, I make each account work for me and save as much as I can.

So you need to have about £4 million approx in order to obtain all the cards shown on your photolab pic..............what are you doing on this forum ? I'd say that you are indeed, as your username says, a "saver" who dreams of being able to afford ONE Select Account, let alone the 8 we saw on your manufactured pic. Just my opinion of course------and a lot of other folks too 

Manufactured Pic!, don't think so, easy way to solve it though, as if the picture was somehow fake you can ask me to send a Picture of one of the cards (You can choose), or put something on the card, or a statement perhaps, but no doubt you will say all those are Manufactured too.

Yes, I would say that , so I'll leave you to dream on how to save very hard in order to try desperately to keep your £4-5 million 

I think you have serious issues, there is nothing manufactured about that pictures and you could not possibly find those card in exactly that level of lighting, exposure, optical depth etc..

I have many of the same cards, excluding the Lloyds Private but with the Santander Select. I was upgraded by Barclays many years ago, when my salary got actually paid in. I have moved my Salary into HSBC Premier (after obtaining status though P60/Tax Return) and could have retained Barclays Premier for all those years without circulating the salary (the £20 charge has only just about been introduced) by decided to continually circulating my full earning so that Barclays had easy visibility of it when I had to discuss financial products with them (mostly mortgages).

as a matter of fact, here is a quick screen shot of my current selection on Apple Wallet (the red Santander is Actually Santander Zero -Forex Free Card- and the MBNA is the Horizon one - another Forex Free on Visa network).

I like these pics that are appearing like a wealth competition. It's hardly worth my while showing my couple of humble cards, including my NatWest Premier Select Account or my Credit Suisse Card.
And I thought I was well-off ! I need to have a lot of money to be accepted for my 2 main cards.

May I ask what income YOU have to have IN TOTAL to obtain the 13 Cards you have as shown in the above pic please ? I estimate it to be somewhere in the region of £10 million. What an asset your knowledge will bring to this forum.

Your estimates on both me and Saver101101 are way off the mark… how did you come up with £10 millions income (not net worth, you are talking about income right?) 

You obviously would benefit from following this forum more actively than you have done and, more Importantly, accept when your posts have been highlighted to be incorrect… I have been an active forum member for about 7 years so I am indeed sharing my knowledge, but cannot says the same for you describing a “free” account as “packaged” and offering the same benefits as the packaged account costing £31 pm months more (same means minus Travel insurance, Barack down cover, home emergency cover, concierge service, etc) 😂 

BTW this forum is indeed frequented (or at least has been at some point) by Coutts and other “real” Private Banks customers, Barclays Wealth and from other similar banks, so we are not alone.

Saver101101

Marchitiello said:

Richard1212 said:

Marchitiello said:

Richard1212 said:

Saver101101 said:

Richard1212 said:

Saver101101 said:

[Deleted User] said:

Wow I do like the HSBC premier cards. Not sure about Lloyds. Hopefully one day!

I have to ask, how is it you maintain all these accounts, do you move the money between them or actually have the income going into each account each month?

the only card I have yet to see on here is a real private bank such as Adam and company.

Never move money between accounts are your bound to get picked up and the accounts closed, anyway its not meant to be boastful, I am really not that sort of person (Despite what others may think, I was only trying prove a point that each account is different and has different benefits), I remember years ago having only £20 left at the end of the week and having to choose between petrol and food, at that point I vowed never to be in that situation again, I make each account work for me and save as much as I can.

So you need to have about £4 million approx in order to obtain all the cards shown on your photolab pic..............what are you doing on this forum ? I'd say that you are indeed, as your username says, a "saver" who dreams of being able to afford ONE Select Account, let alone the 8 we saw on your manufactured pic. Just my opinion of course------and a lot of other folks too 

Manufactured Pic!, don't think so, easy way to solve it though, as if the picture was somehow fake you can ask me to send a Picture of one of the cards (You can choose), or put something on the card, or a statement perhaps, but no doubt you will say all those are Manufactured too.

Yes, I would say that , so I'll leave you to dream on how to save very hard in order to try desperately to keep your £4-5 million 

I think you have serious issues, there is nothing manufactured about that pictures and you could not possibly find those card in exactly that level of lighting, exposure, optical depth etc..

I have many of the same cards, excluding the Lloyds Private but with the Santander Select. I was upgraded by Barclays many years ago, when my salary got actually paid in. I have moved my Salary into HSBC Premier (after obtaining status though P60/Tax Return) and could have retained Barclays Premier for all those years without circulating the salary (the £20 charge has only just about been introduced) by decided to continually circulating my full earning so that Barclays had easy visibility of it when I had to discuss financial products with them (mostly mortgages).

as a matter of fact, here is a quick screen shot of my current selection on Apple Wallet (the red Santander is Actually Santander Zero -Forex Free Card- and the MBNA is the Horizon one - another Forex Free on Visa network).

I like these pics that are appearing like a wealth competition. It's hardly worth my while showing my couple of humble cards, including my NatWest Premier Select Account or my Credit Suisse Card.
And I thought I was well-off ! I need to have a lot of money to be accepted for my 2 main cards.

May I ask what income YOU have to have IN TOTAL to obtain the 13 Cards you have as shown in the above pic please ? I estimate it to be somewhere in the region of £10 million. What an asset your knowledge will bring to this forum.

Your estimates on both me and Saver101101 are way off the mark… how did you come up with £10 millions income (not net worth, you are talking about income right?) 

You obviously would benefit from following this forum more actively than you have done and, more Importantly, accept when your posts have been highlighted to be incorrect… I have been an active forum member for about 7 years so I am indeed sharing my knowledge, but cannot says the same for you describing a “free” account as “packaged” and offering the same benefits as the packaged account costing £31 pm months more (same means minus Travel insurance, Barack down cover, home emergency cover, concierge service, etc) 😂 

BTW this forum is indeed frequented (or at least has been at some point) by Coutts and other “real” Private Banks customers, Barclays Wealth and from other similar banks, so we are not alone.

Well Said !, I never posted that picture as a competition or a boast or anything, they were only done because someone basically incorrectly compared two vastly different products as being the same, and this could have caused confusion with other board members, and I was trying to show some accounts have more or less benefits than others, then I was accused of dreaming and making it all up in my head, so the picture was to prove I am not making it up, but then some people now think the picture was fake so I give up.