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Barclays Avios Credit Card New Account thread

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  • yonasl

    I suppose there will be many people trying to get the Barclays Credit Card following the 100k Avios offer. Thought it may be good to have all issues under a same thread.

    In my case, I followed Rob’s instructions here: https://www.headforpoints.com/2022/10/03/100000-avios-for-barclays-premier-and-credit-card/ and went to open a Credit Card account.

    After filling all fields and clicking next a few times a message tells you to wait up to five days for a decision. However, there is no email or sms to confirm you did the form.

    I do not know if this is the base case (another person said he had a similar experience).

    Has anyone else had this too? What is the usual waiting time/outcome? Thanks!

    RCHammer

    I have a joint Barclays Premier Account with my wife. We have had that for 20+ years. I added the Avios option to the account a few months ago and linked it to my wife’s BAEC number. I have the Hilton Barclaycard so cannot apply for the Barclaycard Avios Plus card and get the 100k avios bonus but my wife doesn’t have any Barclaycards, so we applied for the Barclaycard Avios Plus for her. We filled in the income, outgoings details etc. and she was approved straight away. Her personal income is low, and she provided that info in the application, but our joint income is high and we have been Barclays Bank customers for a long time.

    I hope this helps as a data point.

    Other than that I’ll wait to see if the 100k bonus avios does indeed materialise without any bumps in the road..

    WJACK

    Already had the Avios Plus credit card which I took out a few months ago with their last offer for 50000 avios.I Went to the barclays website this morning , signed up and was issued an instant Premier Account (New Acc number and sort code emailed to me)

    yonasl

    Hopefully people can discuss here the credit card account opening only. Thanks!

    AFKAE

    Hopefully people can discuss here the credit card account opening only. Thanks!

    Taking up the challenge. I applied this morning (I’m not going the whole hog for Premier banking etc), I’m just over 6 months out of a Barclaycard platinum. Used VERY low income levels (retired now and living on pensions/savings), as I’m mainly aiming for the SUB with 25,000 for £3,000 over 3 months. Got £3,300 credit limit which works fine for me. All done directly on the website no further verification requirements.

    I couldn’t get the income for Premier banking, but have loads of savings I could use for the £100K, but I don’t think they have any products that are competitive.

    SteveJ

    @AFKAE if could calc to see if it’s worth transferring £100k for the 4 month period needed to earn the 100k, then reconsider your portfolio. Depends what your savings are held in, it may be worthwhile.

    mynameisjonny

    Hopefully people can discuss here the credit card account opening only. Thanks!

    Taking up the challenge. I applied this morning (I’m not going the whole hog for Premier banking etc), I’m just over 6 months out of a Barclaycard platinum. Used VERY low income levels (retired now and living on pensions/savings), as I’m mainly aiming for the SUB with 25,000 for £3,000 over 3 months. Got £3,300 credit limit which works fine for me. All done directly on the website no further verification requirements.

    I couldn’t get the income for Premier banking, but have loads of savings I could use for the £100K, but I don’t think they have any products that are competitive.

    How would Barclays tell the difference between “income” and you transferring £4k a month from your savings? You’d probs get away with just saying your income is 75k and doing regular transfers.

    AFKAE

    @AFKAE if could calc to see if it’s worth transferring £100k for the 4 month period needed to earn the 100k, then reconsider your portfolio. Depends what your savings are held in, it may be worthwhile.

    Interesting idea. I’m about to move >£100K from Chase instant access to a 1 year bond at around 4%. I hadn’t thought about moving the £100K for just the 4 month period.

    redethernet1

    Considering switching to the premier account
    However how do they assess the 75k requirement. Do you send in payslips or simply send £6250+ per month
    For a minimum 4 months?

    SteveJ

    Considering switching to the premier account
    However how do they assess the 75k requirement. Do you send in payslips or simply send £6250+ per month
    For a minimum 4 months?

    I’m hoping it’s the latter. It wouldn’t be 6,250, more like 4,300 as the 75k requirement is gross salary, what would hit your account would be net of tax.

    brian

    It’s £3,330 but discussion surrounding the Premier account is probably best kept to another thread.

    Racingwhitefire

    So I have a Barclays premier account and have done for 12 years, I in fact applied for the barclays avios about a month ago through the app and got rejected, even though I have a near perfect credit history, interestingly I thought I would try again the other day once the 100K offer was up and was told as well that I would get a response in 5 days, I am finding it very strange the barclaycard would want to reject so many people clearly offering such a good deal because they need the customers, has anyone else found this who has always been good with credit?

    JordanB

    It’s £3,330 but discussion surrounding the Premier account is probably best kept to another thread.

    Where are you getting the info about it being £3,300?

    brian

    It’s £3,330 but discussion surrounding the Premier account is probably best kept to another thread.

    Where are you getting the info about it being £3,300?

    Basing it on the info under the Are You Eligible section here.

    https://www.barclays.co.uk/premier-banking/current-accounts/

    JDB

    So I have a Barclays premier account and have done for 12 years, I in fact applied for the barclays avios about a month ago through the app and got rejected, even though I have a near perfect credit history, interestingly I thought I would try again the other day once the 100K offer was up and was told as well that I would get a response in 5 days, I am finding it very strange the barclaycard would want to reject so many people clearly offering such a good deal because they need the customers, has anyone else found this who has always been good with credit?

    There have been extensive reports of people with good credit being refused, most commonly it seems because they have a number of cards with fairly big limits. I don’t think your suggestion that Barclays is clearly offering such a good deal because they need the customers is remotely right. They are trying to reposition themselves. Barclaycard is by a country mile the country’s biggest credit card provider but it principally operates at the lower end (compared to say Amex or HSBC) and it is offering large incentives to attract more affluent clients and cross sell products. For shareholders, it is reassuring to see that the acceptance rate for the card retains some underwriting discipline as a tsunami of bad debts is not far off.

    yonasl

    After doing the application a few days ago I got some alerts today after a hard credit check had been done on me (from Barclays).

    No email/sms from Barclays yet. It is as if I never filled the form and obviously very annoying not to know where they are in the process.

    jarul

    Interesting, as I still don’t see a hard check on my file (applied around 7pm on 3/10).

    @yonasl
    which CRA did you get the alert from regarding the hard check?

    yonasl

    Interesting, as I still don’t see a hard check on my file (applied around 7pm on 3/10).


    @yonasl
    which CRA did you get the alert from regarding the hard check?

    ClearScore and Credit Karma. Barclays credit check now shows on the file.

    jarul

    Interesting, as I still don’t see a hard check on my file (applied around 7pm on 3/10).



    @yonasl
    which CRA did you get the alert from regarding the hard check?

    ClearScore and Credit Karma. Barclays credit check now shows on the file.

    Cool, I guess they are slowly working their way through the applications

    yonasl

    Got approval email today. So application was done Monday and nothing since then but eventually got an email 5 days later saying it was all good.

    Email says I should do nothing and that the card is on the mail. Will let you guys know how long it takes to arrive and if there are any hiccups.

    jarul

    That’s good news @yonasl

    I still don’t have a credit search done yet, I did speak to them earlier, and apparently they have my application but not got to it yet.

    yonasl

    Received the card on Sunday (must have been there on Saturday I suppose). So for those still applying: 1) filled forms on Monday 2) credit check on Wednesday 3) Approval email on Friday (evening) 3) card with me Sunday. All in all it seems this worked fine. Wished Barclays would have given me some sort of indication of what was going on at each step instead of literally nothing until Friday.

    op

    In case this is of any use to anybody with a similar experience, I had a bit of a strange journey getting rejected.

    Currently a Barclays premier customer. Followed the link on the HfP article to sign up for the avios plus card.

    Completed the application and received an acceptance subject to proving my income. I would only have a £200 credit limit until I completed that.

    The form then gives two options – submit payslips or give access to your current account via a TransUnion openbanking API. I chose the latter as it said this would be instant vs several days of manual review.

    Having chosen that option and granting the access to the API, I then got the following message:

    Sorry, we’re unable to offer you a Barclaycard right now

    Thanks for providing your income info. It’s our responsibility to make sure that, when we provide you with credit,
    it’s affordable to you. Unfortunately, based on the income info you’ve provided, it looks like, if you take on more
    credit, you may find it difficult to keep up with all your repayments.
    Because of this, we can’t give you a Barclaycard right now and your application has been cancelled. We realise this
    isn’t the news you wanted, but hope you understand that we need to make sure you can comfortably afford the
    amount you’re borrowing.

    I’m a bit perplexed. The current account check via the API should have shown that my income is what I said it was on the application form. The credit check also took place before I was given the provisional approval, from what I understand. So it shouldn’t be that I’m seen as an ‘undesirable’ applicant in terms of existing debts, or lack thereof etc. because I shouldn’t have gotten this far in the process if that were the case.

    I figure I can try applying again in late November before the end of the 100k offer. If offered the choice again I’ll choose to upload payslips as I’m wondering if there is something fishy in the TransUnion API.

    George K

    @op if you don’t mind me asking, could you give a ballpark of your credit line with other lenders? I fear I may be on the same boat, but have yet to apply…

    JDB

    @op when these cards launched, lots of people with high incomes complained they were rejected and there was some speculation that BC didn’t want big rollers, but given how many high earners were accepted I think the issue was more to do with those rejected having high credit limits on numerous credit cards and BC was sensitive to this then and likely to be even more so now. There have been some recent reports here of Amex currently taking the same approach.

    At the time it also seemed easier to get approved if one put a non Barclays account in the application.

    BC is by far the largest credit card issuer in the UK so they have a huge proprietary personal credit risk database that can throw up decisions that don’t explicitly relate to your personal situation but past experience of others.

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