P1Fanatic

Get letter through the door offering barclaycard with 0% til aug 2005. Great me thinks so orders one. Comes yesterday with a credit limit of £260.

Ring them up and ask to increase credit limit. Sorry sir we cant do that til after 6 months. WTF is the point of that then? I suggested to her that the 0% offer was a scam to get people in.

I then said well you may as well cancel my card now then as £260 is useless. She replies "so you dont want to wait 6 months then sir?". No thank you - I will go with someone who wants my money.

Anyone else get a similar offer?

Simon.

P.S. FWIW other than a mortgage and just under £2k on a card I have no debts.

lardypants

is a tad strange isnt it, the norm for a credit limit seems to start at around 3.5k from experiance with all the cards i have

lardypants

oh and just to add dont bother with barclaycard there a pain in the **** they ring me maybe twice a week trying to sell me iinsurance etc etc

normally its some ****** from india etc and i cant understand a word they fookin say


hence i balance transfered over to a halifax one card this morning 0 percent for 9 mts and barclays will be closed

Daz34

I took advantage of the same offer a while ago & I got a £4200 limit

Chip

I took out a new Barclaycard and got an instant £3500 limit.

Chip

Vinesh

Give them a chance.

FASTER MIKE!!

yea i got a decent credit(can't remember off hand), though its a platinum card if that makes any difference? and the offer ends in feb

mike

lardypants

why should i when thousands of english people lost there job because some ****** abraod who cant speak properly and doesnt have a clue about england offers to do it cheaper

it is business yes... but its wrong

hoskib

iTrader: (1)

i got a 4k limit, more than enough for a 2 grand interest free loan for a year

carl

£5.8k for me, which I thought was a bit mean. Both my Egg and Halifax cards have limits of around £12k.

Albert47

When those ******* rings the house (If i understand them). we just say "yep hang on will just get him/her for you" then leave the phone on the side and leave it for about 10 minutes. waste there phone bill!!!!! or say "are you taking the ****, she left me last week for the milk man".

We aren't being nasty but when u get 2 a day, it starts to p**s you off.

Adam

P1Fanatic

Well I must be the only unlucky one then as I usually tend to get an initial £3/4k and most of my cards are now £6/7k (not that I use it).

In the past when increasing credit limit they usually ask what limit my other cards are and then mirror that.

Lets be honest £260 is a joke - I think they forgot the last zero

Anyway theyve lost me as a customer.

Simon.

Claudius

2 - 5k per month as standard? Not bad...

pslewis

Is it the Barclaycard offer that says 0% on transfers then proceeds to CHARGE you a fee to transfer funds??? Or that could be the Halifax card??

Either way, watch out!

I got a MINT card last March and have had 0% since - and thats on purchases too!!

When I got close to my limit they increased it without me asking, excellent service!

Pete

P1Fanatic

Ive had no probs with Mint either - even when the postie nicked my new replacement card and went on a shoppng spree in reading (when I was in Amsterdam). But my 0% period finishes end of this month.

Simon.

mad_dr

Is that a joke or just a bit naive? (NO Offense intended at all Pete)

They see that you've been spending near to your limit and so they put it up without asking you to try to convince you that you can "handle the debt". Most people then spend even more, thinking "Well my Card company thinks I can afford it, so I MUST be able to!" and before you know it, you've got £10k worth of debt and it's a slippery slope.

I've always been able to stay clear of big debts, but I know of people who have debts in excess of £35k because they were naive enough to think that because they were being offered credit left, right and centre, that they could afford it.

Like I said - no offense, but everyone with a CC should be careful!

pslewis

No offence taken, I agree totally with what you say.

The reason I said excellent service is because I am in an interest free period - they are not getting one penny off me in interest (and haven't since last March) .... I have been wise and popped what I owe each month into an account paying 5% - end of interest free period = end of savings and the full debt will be cleared. The result is a net gain to me!

Oh, yes, I ALSO get 1% cashback for everything I spend on the card - so, roughly the £20,000 debt has paid me £200 cashback AND paid me about £300 in interest.

I will repeat that - I am £500 better off by switching to an interest free cashback card!

Free money - go get YOUR share!!

Pete

wwp8

i second that BUT it's not only barclays its also BT, HSBC and a few more, i forgot.

what i think its' funny after, what ever they are asking about, when they ask if theres anything they can help me with.

IF i do have a question they don't really know, they tell me to go to a branch.


also what makes me laugh is this.

eg..

(THEY)hello can i speak to mr. X

(U)yes thats me.

(THEY)hello this is YY calling regarding ABC bank account, are you free to talk.

(U)YES.

(THEY)ok, before we continue i must go through with some security questions.
(bank account # mothers maiden name, DOB, address etc)


WOOOOOOOOOOOAAAAAAAAAAAAAHHHHHHHHHHH, ang on a minute,.
shouldn't I ask YOU security questions i am not sure are you genuine !



work that out fellas!

chris's scooby

So which are the best ones to get now for the transfers?

Madjay2

i only have a credit card cus i want a credit rating to get a mortage other than that they are the worst things ever.