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  • FIRST POST
    • Jlawson118
    • By Jlawson118 12th Aug 18, 6:45 PM
    • 908Posts
    • 119Thanks
    Jlawson118
    No monthly offers from Barclaycard?
    • #1
    • 12th Aug 18, 6:45 PM
    No monthly offers from Barclaycard? 12th Aug 18 at 6:45 PM
    I've had a Barclaycard Reward card for around two years now, and they've usually offered me a money transfer and/or balance transfer each month. To a point I've often joked about them constantly forcing me to become a customer when I already am one.

    I've taken them up on the offer last July when money was tight at the time but it was soon paid back in September. I've managed to build up a good reputation with them over the last few years and they've even increased my limit to 10,000.

    Now I'm currently looking to make a large purchase and would like to make one of the money transfers so that I can use my AMEX card for points and then pay it off in full, paying the CC off in monthly instalments. And it's just typical that this is the first and only month that Barclaycard aren't giving me any offers!

    Is there any reason behind this? And/Or will the option be there available soon?
Page 1
    • zx81
    • By zx81 12th Aug 18, 6:48 PM
    • 18,054 Posts
    • 19,271 Thanks
    zx81
    • #2
    • 12th Aug 18, 6:48 PM
    • #2
    • 12th Aug 18, 6:48 PM
    You're not in their target market for this month, but may be in future.
    • foxy-stoat
    • By foxy-stoat 13th Aug 18, 9:30 AM
    • 2,440 Posts
    • 1,352 Thanks
    foxy-stoat
    • #3
    • 13th Aug 18, 9:30 AM
    • #3
    • 13th Aug 18, 9:30 AM
    My Barclaycard has not had any offers for months - you could call their customer service line and see if there are any offers they can offer you.
    • Jlawson118
    • By Jlawson118 13th Aug 18, 9:47 AM
    • 908 Posts
    • 119 Thanks
    Jlawson118
    • #4
    • 13th Aug 18, 9:47 AM
    • #4
    • 13th Aug 18, 9:47 AM
    You're not in their target market for this month, but may be in future.
    Originally posted by zx81
    How do they usually work out their target market as such? Credit references perhaps?
    • zx81
    • By zx81 13th Aug 18, 9:49 AM
    • 18,054 Posts
    • 19,271 Thanks
    zx81
    • #5
    • 13th Aug 18, 9:49 AM
    • #5
    • 13th Aug 18, 9:49 AM
    In part. Also previous usage, profitability, cohort profiling and so on.
    • Jlawson118
    • By Jlawson118 13th Aug 18, 9:55 AM
    • 908 Posts
    • 119 Thanks
    Jlawson118
    • #6
    • 13th Aug 18, 9:55 AM
    • #6
    • 13th Aug 18, 9:55 AM
    In part. Also previous usage, profitability, cohort profiling and so on.
    Originally posted by zx81
    Oh right! So just one last thing I'm wondering about whilst I've started this thread. I currently have the First Direct BT card, opened it around April time with 27 months at 0%.

    In April I transferred around 2000 to it, now there's a balance of 700. With approximately 23 months left at '0%' if I was to make a second BT, would that join in with the 0% or would I start generating interest?
    • zx81
    • By zx81 13th Aug 18, 9:58 AM
    • 18,054 Posts
    • 19,271 Thanks
    zx81
    • #7
    • 13th Aug 18, 9:58 AM
    • #7
    • 13th Aug 18, 9:58 AM
    If the promo window is still open, then you would get the 0% offer.

    But the period to transfer within is not always the same length as the promo period itself.
    • Jlawson118
    • By Jlawson118 13th Aug 18, 9:59 AM
    • 908 Posts
    • 119 Thanks
    Jlawson118
    • #8
    • 13th Aug 18, 9:59 AM
    • #8
    • 13th Aug 18, 9:59 AM
    If the promo window is still open, then you would get the 0% offer.

    But the period to transfer within is not always the same length as the promo period itself.
    Originally posted by zx81
    Right okay, I'd have to give them a ring and find out I can't see anything about a window on their website which I've noticed before on other offers, so I might just transfer the balance to there without worrying about Barclaycard
    • Superscrooge
    • By Superscrooge 14th Aug 18, 7:43 PM
    • 1,088 Posts
    • 783 Thanks
    Superscrooge
    • #9
    • 14th Aug 18, 7:43 PM
    • #9
    • 14th Aug 18, 7:43 PM
    In the First Direct Visa T&C's it states

    *The rate for balance transfers is 0% interest for 27 months when you make a balance transfer within three months of opening your account.

    So if it is more than 3 months since opening the account, any more BT's will no longer be at 0%
    • jonesMUFCforever
    • By jonesMUFCforever 14th Aug 18, 10:05 PM
    • 25,074 Posts
    • 12,331 Thanks
    jonesMUFCforever
    If you have already opened a new card this year and used it for a balance transfer their systems might have picked this up through the CRA's and a business decision (all done by computers so nothing personal) not to offer you anything for now.
    It might change again in the future.
    What goes around - comes around
    give lots and you will always receive lots
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