Strange Things About my New Barclays Wyndham Rewards Earner Business Credit Card

Good morning everyone, I hope your week is going well.  A few days ago, I wrote Barclays Wyndham Rewards Earner Business Credit Card Application & Reconsideration Process.  In that post, I wrote about my application, reconsideration, and approval process to get the new Barclays Wyndham Rewards Earner Business Credit Card.  Long story short, I had to send physical copies of my driver’s license, social security card, and a utility bill in my name to Barclays to verify my identity (even though I am an existing Barclays credit card holder).  That was just the first of many strange things related to this credit card.  In this post, I will go through some of the other strange things I noticed.  But first, here is the front and back of the credit card (nothing strange here).

Here is the welcome letter that came with my new credit card.  As you can see, my credit limit is only $1,000 (which is a bit small considering the minimum spending requirement is $1,000).  Even though I applied for this credit card on October 25, I was not approved for this credit card until November 10, which is the date printed on the letter.  I wonder if that is my anniversary date (I will find out in 12 months).

Strangely, you need to create a separate online account at WyndhamBusinessCard.com to manage this credit card.  If you have other Barclays credit cards, you cannot see this credit card in the same login (I confirmed this with 2 Barclays reps).  To get started, click the Enroll Now link to create an account and then sign in.

Here is the online account for the business credit card.  To be honest, the layout is kind of ugly and uses the same backend design that TD Bank and Banco Popular use.  As you can see, my business credit card has a measly $1,000 credit limit.

Meanwhile, my personal no annual fee Barclays Wyndham Rewards Visa Credit Card gets to use the nice Barclays online account.  This credit card has a $15,000 credit limit.

I called the customer service number on the back of my business credit card (1-866-757-3648) and explained that I wanted to move credit from my personal credit card to my business credit card.  The rep said that I would need to speak with someone in the credit department (their phone number is 1-866-567-9946).  The credit department rep was easily able to move $9,000 from my personal credit card to my business credit card and said that the credit limits would be updated within 5 minutes.  After the call, I waited 5 minutes and logged back in.  The credit move was completed and my personal credit card now had a $6,000 credit limit.

I logged back into my business credit card online account and saw that my credit limit was now $10,000.  At least moving credit lines between personal and business credit cards was an easy process.

If you have any questions about the Barclays Wyndham Rewards Earner Business Credit Card, creating an online account, or moving credit between credit cards, please leave a comment below.  Have a great day everyone!

6 thoughts on “Strange Things About my New Barclays Wyndham Rewards Earner Business Credit Card

  1. kalboz

    Just an observation, it might be a coincidence, most if not all (mid to southern) East Coast banks (Capital One, BoA, Barclays, etc.) are weird about this. Some go as far as asking about citizenship status which if they use to determine credit, it would be unlawful.

    Reply
    1. Grant Post author

      Hi Kalboz, I have noticed that question on a few recent credit card applications. I didn’t realize that using your citizenship to approve / denial a CC application was unlawful – thanks for sharing that info.

      Reply
      1. Kalboz

        So long as the person has a lawfully obtained social security number, good credit standing, income (job), contributing to our society, etc. why ask such a question? Many credit-worthy and great people to boot have permanent residence status and happy & proud to call America their permanent home. It would a shame to deny them credit because of their immigration status.

        Reply
        1. Grant Post author

          That is a very good point. As long as they have a SSN and a good credit score/report, the citizen status shouldn’t matter. Thanks for the insights Kalboz.

          Reply
  2. NonRevGuy

    Thanks for your posts on this, G, so keep up the great work. I called next day after receiving the “letter will be mailed” decision and was approved after a phone call (and verification of application information). I was granted a $2.5 line, but was told by the credit approval rep that he could transfer credit to the new business account from an existing personal account (AA); however, it’s irreversible and cannot be returned to personal; perhaps this changes in the future, but I’m excited to spend with the Earner Business — meh, Aviator.

    Reply
    1. Grant Post author

      Hi NonRevGuy, I’m glad you were able to get approved via a phone call instead of mailing in the verification documents. I’m not sure how often you will use the Earner Biz CC, but maybe a $5k credit limit will be sufficient.

      Reply

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