Barclaycard Deals

Barclaycard Deals & Offers

309 deals7,199 comments
Barclaycard is probably the UK's leading credit card provider, and anyone who wants to consolidate their debts, extend their credit limit or access Freedom Rewards deals will find plenty of cards to choose from. Find the perfect financial package and save money on everything from gig tickets to holidays abroad at the HotUKDeals Barclaycard listings. Read more
Barclaycard Platinum credit card No balance transfer fee and 20 month interest free balance transfer & £20 cashback @ Barclaycard
348°
Found 19th JanFound 19th Jan
0% interest for 20 months on balance transfers made within 60 days of opening your account. Your 0% offer will start from the date you make your balance transfer. (0% fee appli… Read more
manicmidlander

Barclaycard are usually pretty generous.

mitchb

Just did pretty much the same, decent limit given as well.

manicmidlander

Thanks. Signed up via quidco. Easy £40 made. Flipped some 0% debt from another card provider. I could have paid it off but I keep the money offset against my mortgage instead. These are great deals if you are financially responsible and know what you are doing. Always make the monthly payments and switch before the 0% deal ends

slimjimjim80

You just made me want to watch 'The Big Short' again :)

sn2795

For someone who's never had a Credit Card before are there any guides for dummies on how it all works? Why are you charged to transfer your balance on a Credit Card but not on a Debit Card?

Barclaycard 0% Interest 27 Months on Purchases (and Balance Transfers - 2.7% fee)
329°
Refreshed 15th JanRefreshed 15th Jan04/02/2019Expires on 04/02/2019
A credit card that actually gives you 0% on purchases for the whole period unlike some competitors ! (Where purchases have to be made in the first 60 days or so) Use the check eli… Read more
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RF88

Barclaycard trying their chances with some free advertising (lol)

raulvibes

Can balance transfer be done from any credit card balance. Does it have to be same person?

steve765

Cant see 36 months 0% purchase with Virgin Money anymore...only 26 or 28 months 0% purchase. I’ve read Virgin, Barclaycard & PO give out decent credit limits. Yes I know this is based on your credit history mainly but sone providers are known for being more generous than others.

steve765

Ok. Thanks. Don’t have a PO account. Just a BOI mortgage.

DelboyDave

They are but not in terms of eligibility for a credit card if you have a debit card.

Barclaycard £10 cashback (selected customers) - Spend over £30 in store* by 25 January 2019 and we’ll give you £10 cashback. (Apple Pay)
623°
25/01/2019Expires on 25/01/2019Found 11th JanFound 11th Jan
*Please note this offer is for selected accounts only* Say hello to £10 cashback Here’s another reason to use Apple Pay. Simply spend over £30 in store* by 11.59pm on 25 January… Read more
zanemalik

Thanks worked for me at Morrisons Petrol Station (y)

kakar125

🍎 pay for 🍏 phones

knockout60

I suppose that normal phones cant use Apple pay???

Peekachoo

I tried it, contacted Barclaycard and they said it won’t work for me.. never felt so wanted!

andyxl987

The Barclaycard app registers itself as a payment provider which you can switch to from Google Pay. Admittedly it would be better if Google Pay integration was there but contactless mobile payments with Android and Barclaycard is possible.

Barclaycard initial  credit card with upto £40 cashback +£20 from QuidCo
-153°
Found 26th Dec 2018Found 26th Dec 2018
You could receive £10 cashback every 3 months from the date you open your account, when you make at least your minimum payments on time and don’t exceed your credit limit. The offe… Read more
bringbring

Why is this cold? I don't see any downside.

Sonic_18

You can make a purchase and pay it off by direct debit so you don't get charged interest. After 1 year you get £40 into your account and possibly £20 via Quidco.

antismtc1

Thanks mate

djk

No, you need to make a purchase in each 3 month period

antismtc1

Do I have to make purchases every month?

Barclaycard up to 20mths 0%, no fee (19.9% interest after) Decent no-fee 0% period, plus £20 cashback if you transfer £2,000+
965°
04/02/2019Expires on 04/02/2019Found 22nd Dec 2018Found 22nd Dec 2018
This Barclaycard offers 20 months @ 0% period,and some poorer credit scorers will be offered even fewer interest-free months. However, apply by 4 Feb and transfer £2,000+ within … Read more
knockout60

Don't worry, same here. They have rejected my loan request for 10k, with a great credit rating and salary way above average. I've successfully used the advice on moneysavingexpert.com!! :D :D :D

DelboyDave

Check out their website, it’s the same platinum card but with various different offers. The one you want by the sounds of it is the 20 months interest free and 0% balance transfers. You also get £20 cashback if you transfer a balance of £2000 within first 30 days of activation.

Smiff

i hope not! i wanted for transfer. someone has their wires crossed i'l find out in a few days when i get the card :/ i phoned to follow up the application they've given me way too much credit i'll get that reduced. only wanted 2k..

DelboyDave

That’s the 27 months 0% on purchases option.

Smiff

platinum 27 month aplication tells me 3.5% balance transfer fee, am i missing something? " A fee of 3.5% will be applied to your account at first, but you’ll only pay 1.50% as we’ll refund the difference –"hmm deal has changed since posted? better?!

Exclusive Creamfield 2019 pre-order tickets + 10% instant CB on tickets @ ticketmaster/barclaycard (Standard day tickets start at £93.50)
170°Expired
Found 12th Dec 2018Found 12th Dec 2018
Got an email offering me exclusive access to pre-order Creamfield 2019 tickets on ticketmaster as a valuable Barclaycard customer. Check out the link, then pick the day you want … Read more
spaceinvader

Back in my day etc, the first couple where great in old Liverpool airport, all the proper ravers together sharing the love, great Techno sets - and all in walking distance... then all the 'ard lad beer boys started turning up in following years, looking for trouble,I got threatened a few times because I wasn't wearing a stripey Henry Lloyd sweater, smart black pants, smart shoes (as was the beer boy style at the time) and of course the freak I am - no fist full of Argos sovereign rings. I do hope things have improved but at 39 honkin years old, I just can't be pooped anymore.

Barclaycard Platinum cashback with 0.25% - No fees worldwide and can withdraw cash abroad and get till the statement day to pay it off
240°Expired
Found 9th Nov 2018Found 9th Nov 2018
Barclaycard Platinum cashback plus gives you cashback on all your everyday spendin g This has got to be better then Clarity Card as the cashback will make up for the visa rate. Al… Read more
Wammer

Chuffed to be approved for this to add to my arsenal of overseas cards. No panic now to pay off cash advances ASAP. Will let the DD do it.

Crossbow

Going to answer my own query here. I asked them directly & this is the answer I received.... "You won't be charged any fees on any non sterling transactions done online or otherwise until 31-08-2023 if you are approved of this card." Unfortunately, I'm not approved for the card & I can't swap my present Barclaycard Platinum card for this either. Oh well, life goes on....

crumpetman

I looked at the wrong tandem card, they do a credit builder one with only low limit. I think the max limit on their other cards is £12k.

chamelion

Tandem gave me 6k credit limit off the bat.

Thar

I don't know but will try and find out. I know someone on here applied for version 1 of the travel card (this is at least the 3rd version) and when version 2 came out with a longer offer period, they extended the date for them.

Barclaycard Platinum travel card - no fees on spending or cash withdrawals overseas till August 2022,
334°Expired
Found 28th Sep 2018Found 28th Sep 2018
The Barclaycard Platinum travel card has no fees on spending or cash withdrawals overseas till August 2022, giving a decent amount of certainty. And if you pay off your balance … Read more
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be2st

I didn't know if we could do this.

bcajw1

Not if you go into the bank. Over counter withdrawal is free and shown as a payment. So no charges from Halifax.

Nihaar_Cherodian

Like a Halifax clarity but with an expiry date

chrispcollins

Use starling

Anthonyuk

I have been with Barclays all my life. And with Barclaycard since I was 16. I have a perfect credit rating. Never once ever defaulted with them. And constantly am written by them with letters saying "we have upped your amount on the card as you have been so good". But Barclays will not issue me this card in replacement to my standard visa credit card. I tried like crazy in 2014. And spoke to various managers of the call centres and fought like hell to get it and who would not budge saying I cannot have it. I did it again this year in June, and told the manager in the indian call centre to just close my account with them if I cannot have it as I was so sick. Thinking it would be a negotiating tactic. And he just upped and did it on the call. I therefore went to the store and spoke to the personal banker after my account was closed, who was also adamant I could not have this card and my account is now closed so need to wait 6 months at least to reactivate it. This is barclays customer service for you. So in the 4 months since this is cancelled I have got a Halifax, Post office, Sterling and Revolut free foreign currency credit cards and am not missing Barclays at all. Barclays are an awful company with dreadful customer service. And no customer loyalty at all inside of them. Being a perfect customer to them means nothing. So I woud say, go elsewhere with them.

Barclaycard Offers 0% for 12 months or 6.9% indefinitely until paid off.
-63°Expired
Found 25th Sep 2018Found 25th Sep 2018
Check your Barclaycard offers page they currently have 2 offers running 1. is 0% until Oct 2019 1.9% fee 2. 6.9% no time limit until the balance is cleared 2.9% fee The 2nd is… Read more
MrSprkle

Yes it's only for existing customers

humadoon

So can the existing customers benefit from this?

kabs

Sept 2020 for mine, transferred this morning.

MrSprkle

Are you serious? 6.9 woudl equate a £1000 loan over 1 year = £1,037.76 repayable the 2.9% would be £29.00 with the APR = 30.09 total repayable would be £1067.85... Wonga! £1000 loan Wonga had rates of up to 4,214% representative APR that would mean if you paid nothign for 1 year you would owe them 42k!! Think you are the only one mate, not so sure many people care about the fact taking a 33 month balance transfer would have some effects on your credit file..

MAURICE_BOYLAN

Outrageous 2:9% BT Then 6:9% apr Wonga reinventing FREEZING

Ends Friday - 0% Balance Transfer for 24 Months (NO fee) - 30 Months (0.55% fee) + £20 Barclaycard cashback @ Barclaycard
1365°Expired
Refreshed 9th Oct 2018Refreshed 9th Oct 2018
*Updated 9th October - offer ends Friday 12th* If you are looking to shift an outstanding balance from other credit cards to a 0% offer, you could get paid for a 2 year balance tr… Read more
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sydney871

Can anyone explain please what this means when it says pay the balance over 19 months with no fees or interest from money.co.uk? Is it 19 months or 24 months? See photo . https://www.money.co.uk/credit-cards/balance-transfers-credit-cards.htm

Timmyboy555

There are probably better option credit cards to boost your rating. Alternatively - this will also work.

sayenn

Hi all. I need advice. I've never had a credit card. I need this for make my credit score better. Is it a good option ? Thsnx

marceldulgheriu9

Can I use this one just for shopping and pay it back each month without a fee ??? Or after 3 mo this I will be charged a monthly fee even if I use it just for shopping? Thank you

christhedrummer

Good deal and appreciate the detail in the description OP!

Barclaycard Travel Credit Card. 12 months interest free on purchases. Also NO fees worldwide and if you withdraw cash abroad you get until the statement date to pay it off! No need to worry about online banking
344°Expired
Found 4th Jun 2018Found 4th Jun 2018
Barclaycard Travel Credit Card. 12 months interest free on purchases. Also NO fees worldwide and if you withdraw cash abroad you get until the statement date to pay it off! No need to worry about online banking
Barclaycard Platinum travel credit card 0% interest on purchases for 12 months from the date you open your account No non-sterling transaction fees on your foreign spend and A… Read more
Anon32

I agree! Too many people keep banging on about cash. Any application 'affects' credit score. It can go up and down. So what? As they say give people some information! Surely late and missed payments are what would 'affects' your score negatively. They might see that you have taken cash and might conclude that they don't want you but this card is designed to do exactly that. What happens if you take this out and then don't get any new credit cards and you already have a mortgage. The 'affect' in my crefit score i couldn't give a flying monkeys about! This is far better and cheaper than payday loans. However UK withdrawal is not cheap as you have the cash machine fee and pay interest straight away and at 27.9% The better card might be the creation as its only 12.9% apr on cash and spending and no fees worldwide and including the UK. Thats about 1% a month so for every £100 if you took two weeks to pay it off it eould cost you 50p. I don't agree with "person so desperate for cash he had to use a credit card" For a start tradesman don't always have the facility for credit cards. Izettle is changing that but before you had to have a metchant id etc... So cash withdrawal was good. Also if I need the basics in tesco, lidl, aldi etc... I can use the credit card for spending there and not cash. I agree it shows up different but there seems to be a hysteria about cash withdrawal on this site and its just plain nonsense

amour3k

Nice!. :-)

jinkssick

Probably has to do with your income. Take your income with someone who is just breaking even every month, tries to apply for extra credit and the lenders see various cash withdrawals abroad. Mind you, why is he on holiday in first place but my point is still valid.

HaroFreestyler

As long as you cover the minimum payment each month you can pay it off when you like providing you get the 0% offer. Mine took about 2 working days to come and the pin is given online so I could use it immediately.

HaroFreestyler

I’ve used a Halifax Clarity card abroad for cash lots over the last 2 years, as well as using it every now and then in the uk. I also got one of theseBarclaycard travel cards for a trip to Whistler last month and again drew out plenty of cash on it during that trip. When you get the card you can get the Barclays app which shows your Experian score and mine was 999 which I believe is the best score you can get. That doesn’t fit with what you say.

Barclaycard offer 0% balance transfer for 22 months with a 0% fee  Offer ends 4 July 2018
135°Expired
Found 9th May 2018Found 9th May 2018
Barclaycard offer 0% balance transfer for 22 months with a 0% fee Offer ends 4 July 2018
Platinum 22 month balance transfer with a 0% fee Now you've received your offer it's easy to apply. Here's a reminder of what you'll get with your Barclaycard: 0% interest for 22 m… Read more
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esensitive

Received a letter from Barclays that they are going to increase my credit limit but no offers of balance transfer for few months now.

Photek1000

Not on mine either, haven't had an offer for a long time now

denboy10

No offer on mine either.

person16

Lloyds same, new and existing customers

mpturner2001

Looks like new customers only, no offers showing like that on either of my 2 Barclaycards :(

Barclaycard 27 month purchase and 27 month balance transfer offer @ Barclaycard
268°Expired
Found 5th May 2018Found 5th May 2018
Barclaycard 27 month purchase and 27 month balance transfer offer @ Barclaycard
Plus £25 cashback until the 14th May. 0% interest on purchases for 27 months from the date you open your account 0% interest for 27 months on balance transfers made within 60 da… Read more
Mrswitch

I suppose, I've never had a problem, so really can't comment.

HyperLuminal

Its the principal for me. There's no good reason for them to change their deal like that.

James_cleeve73

Wow, what a pile of pants! I won't waste my time then! I have to admit I had alarm bells at the 'A transfer fee of 3.5% will be applied to your account at first, but you'll only pay 1.45% as we'll refund the difference' bit. I mean, WTF is that all about?

RobJones-48174.61446

Happy with mine. Can you apply for a second card? Not to transfer a BC balance, but from another company or do you share the original BC credit limit?

rogparki

Just to suck in the buy now -pay sometime - maybe - generation - avoid :( :S

Barclays travel credit card - no fees abroad plus also you can withdraw cash abroad you get till the statement date to pay it off! Also 12 months @ 0% APR
570°Expired
Found 8th Apr 2018Found 8th Apr 2018
Barclays travel credit card - no fees abroad plus also you can withdraw cash abroad you get till the statement date to pay it off! Also 12 months @ 0% APR
Barclaycard Platinum travel credit card 0% interest on purchases for 12 months from the date you open your account No non-sterling transaction fees on your foreign spend… Read more
Amerviv

“0% interest free doesn’t apply to cash withdrawals” it’s very clear, all travel credit cards not only this one, if you withdraw cash you will pay interest until you clear the cash balance, the only way if you need to withdraw cash without paying interest is to send the equivalent payment in Sterling at the same day of the withdrawal

zaheer2003

Credit card would only cover you for transactions after you notified them, so what if they rack up £1000 before you realise your card's been nicked? With Revolut they can only nick what you have left on the card.

jchung07

Whilst that is true, there has been a few times where I have raised an issue for transactions under £100 and the CC company has stepped in for a successful resolution. The fact there is a higher chance of a successful outcome makes it a must.

jchung07

Fair. If you did however, you could also save money that way too... :D

barneyonion

I dont buy high value items in any currency other than sterling.

Barclaycard travel credit card with 0% fees. 0% for 12 months on purchases and you can withdraw cash and spend fee free abroad and you get till the end of the statement date to pay it off! Ends 2022
527°Expired
Found 3rd Mar 2018Found 3rd Mar 2018
Barclaycard travel credit card with 0% fees. 0% for 12 months on purchases and you can withdraw cash and spend fee free abroad and you get till the end of the statement date to pay it off! Ends 2022
Our travel credit card could be the one for you. 0% interest on purchases for 12 months from the date you open your account No non-sterling transaction fees on your forei… Read more
supacook2k

First time I've known mastercard rate to be less than visa so its good to know they do beat them now and again.

123mattybc

Applied for this a few days ago, but haven't even got any email or heard anything. Anyone else experienced this? Also, I'm a student, but it didn't have that as an employment option, is that a problem?

woldranger

Nope, completely separate with different numbers. I go to the US most years and I've never had any issues when using my card.

Anon32

The 0% i believe is on all purchases and lasts 12 months. You didn't get that before and you only get the statement date with clarity. Meaning you could get this card for a new purchases here. Butbthen use it abroad. But like you in africa lots of people don't take cards and electricty is a problem so cash is king. Its all i need now is a card where you can withdraw cash wi no fees in the uk and abroad but can pay it off on the statement date. To date no card exists the closest is the saga card where if you withdraw cash you get to the statement date to pay it off. The downside is there is a cash machine fee of 2%. One day someone will offer it. Then i'll just have one and keep it

rickitmk12

I've got a few trips lined up this year so this card sounds good for me. I always carry a lot of cash around on trips but I think I'd prefer now to use a card and withdraw what I need when I'm out there. It's still 0% on UK purchases right? I understand there's interest on withdrawing ££ cash but I' never use it for that anyway.

FREE Experian Credit Checks - Barclaycard customers
-116°Expired
Found 4th Jan 2018Found 4th Jan 2018
FREE Experian Credit Checks - Barclaycard customers
Totally free Experian Credit Reference checks - no catches, no free deals for 28 days etc just a total free offer. Might help some people so decided to share.
ziggycj

No. They only do a soft search so it doesn't leave any kind of record. The Money Saving Expert one (and probably all others as well) give you a report monthly. I think the ones you pay for, you can request reports more frequently but the free ones send a new report monthly.

AceofJs

Viewing your own credit report can't damage your credit score!? Can it??

eslick

You might want to check that, Barclays are never at the top of the mortgage rate charts and there are plenty of better banks out there just for product ranges and value and that’s not even touching on their amazing award winning customer service, oh wait that’s never going to happen is it :( you you might also want to look into having a savings account linked to your mortgage, your accounts are offset so don’t have interest so technically they aren’t savings.

speculatrix

Barclay's offset mortgage is a good product. You can have lots of accounts, including savings accounts for children, and offset them all against your mortgage.

Cyrus

dang, i already requested the experian report via barclaycard so dont want to request it again as it may impact my score. Its all the same source and I already banked with barclaycard so lets see what they say ....

Barclaycard 27 months 0% interest on purchases and balance transfers
1005°Expired
Found 3rd Jan 2018Found 3rd Jan 2018
Update: Barclaycard has improved the Platinum card so it offers 27 months at 0% for both purchases and balance transfers. The Platinum card offers: 0% interest on purchases … Read more
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Ioana79

I'm searching for money transfer card and via Uswitch I found out that I might be eligible for Virgin 12 months 0,% money transfer card or 20 months 0% card. If I apply for the second one with longer interest free period (but bit higher transfer fee of 2.5% instead of 2%) does it mean that they will give me higher limit? Second question is - if I start my new permanent job on Monday - can I apply straight away or I need to wait (how long?) So that my application isn't rejected? Thank you for sharing your thoughts...

FunkiestMonkey

Cloud cuckoo land. Last time it happened the poor and hard working middle got poorer and rich are as rich as ever.

mtuk1

Not if it’s just one or two applications it won’t. It’s not recorded on your credit report that you’ve been declined.

reggea86

The reason I did cancel my card was,lots of problem with direct debit payments(there is always available fund on my account),idiotic non understandable fees and charges,interest increases with no warnings given,increasing credit limit with not letting you know - causing higher fees again.They cheat where they can.

rainbowwheel

Open a missing cb claim, they should approve it shortly. Did the same with my barclaycard 3 years ago!

Uber: £20 off first ride with Barclaycard, every 11th ride is free!
26°Expired
Found 30th Oct 2017Found 30th Oct 2017
Uber: £20 off your first ride with Barclaycard. Every 11th ride paid for using your Barclaycard is free!
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ajhawley1

I tried and failed

avfc_n1

T&C seem to suggest that the £20 can only be used on the first journey only, but i've heard of numerous people being able use if for 2nd/3rd journeys until the £20 limit is hit. Sipls - im an existing customer and managed to add it, ive already had the 11th ride for free, suggest you re-try

Gollywood

So you don't have to use all the £20 in one journey?

silps

Seems to be for new users, wouldn't let me add the code

ogeran

got this deal myself a few months back and its pretty good. used it once (£10) and forgot about it till i used uber last week, twice for two sub £5 journeys and still automatically got the journeys free. good find and reccommended

Get a £10 iTunes code when you spend £50 with Apple Pay With Barclaycard
207°Expired
Found 26th Oct 2017Found 26th Oct 2017
Get a £10 iTunes code when you spend £50 with Apple Pay With Barclaycard
Just got the email, guessing it’s for most people with a Barclaycard.. Did you know that with Apple Pay you can wave goodbye to the £30 contactless limit? In fact, the only limit … Read more
nnenne

Morrisons accepts any limit

knack

The only way to no for sure is to do a card payment and see if the contactless symbol appears! Places I can think of which allow high value contactless payments: M&S, Waitrose, Sainsbury's, Boots, Apple, Ikea, Euro Car Parts, Nando's, Pret, Lidl, Aldi, BP, Shell, Halfords.

flipper118

is there anyway to find out which ones do?

nnenne

Can anyone take up this offer? Barclaycard usually email me offers like this, but nothing this time.

geekonthepc

I haven't had the email myself - do we need to opt in or does it apply to all customers?

The best credit card deals for September 2017
236°Expired
LocalLocalFound 25th Sep 2017Found 25th Sep 2017
The best credit card deals for September 2017
Top credit card deals September 2017 Free £25 for getting HSBC Credit card, use it once in 60 days. HERE . £25.25 cashback just for having a Barclaycard No Fee Platinum 25 M… Read more
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Scooby2520

What I’m looking for is a credit card that has a decent 20 month plus on 0% spending but with also cashback like £25 , because it’s rare to get both , you usually only get 1 or the other .

aventador1

Providing you know how to use them credit cards are fine. Personally I’ve used them to improve credit rating, credit card protection etc never had an issue and always pay it off in full. It’s the people who spend spend spend without any thinking that need to stop using credit cards.

joesmith1992

Seriously? Did you actually read our posts? Using something wisely requires wisdom. Using something intelligently requires intelligence. Those who understand interest earn it, those that don't pay it. The way I've suggested to use this does not involve getting into actual debt - simply holding more funds in savings account(s) that you could use to pay off the credit card in an instant. Literally will have no negative impact should you become redundant or can no longer work - in fact it would put you in a better position as it would give you access to more funds should you need it, plus the extra interest you'd earn. Sure, if you just want to get this because you decided you need to have the latest iPhone that you can't afford, then this is a bad idea, as I stated (no self control or lack any understanding of money - totally fair and just, I'm not saying it in a nasty way, just saying it how it is). There may be a case that you find yourself in a difficult situation and need credit to feed your family - it happens. This is a reasonable way to do it, so long as - like I said - you understand money and pay it back. But of course - all credit cards are evil, should never be used by anyone and should be banned forever.

gwapenut

Re: The deal itself, it's worth noting that Barclaycard and Sainsburys have 2% or 2.5% minimum repayments, which actually becomes quite singificant over the lifetime of these deals versus the 1% you get with some other lenders. If it's fee free then it's not such a worry, but if you're paying 1-3% handling fee you want to have more than half of the balance still remaining at the end of the term if you're looking at this as a stooze. Of course, if it's just to manage short-term cashflow problems, then a higher minimum repayment may suit you.

gwapenut

I also think phrases like "Save up for the things you want. Cold" are quite condescending too, which is what lea to my reply. Maybe consider others' circumstances before posting.. Not everyone's circumstances allow for that either,, life can throw horrible unforeseeable curveballs to us or to our nearest and dearest. Or some people may have saved up and wish to offset their savings. Your post itself is implying that HUKD members are not able to use it other than as a ticket to debt. I get tired of the CC haters tarring every deal with the same brush - often it's a blanket response from people who don't understand how they can be judiciously used to their advantage, which is what prompted my own response.

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