Barclay CC let's put our heads together

[wagsk1]

i start an online dispute with whatever CR just so i can view my report then i cancel the dispute before i file it

[FastForward]

Like Kenny, I also have the Equifax credit monitoring service for $24.95/month.  Also (as another poster pointed out), I've been able to view/print a free credit report when I've been denied credit (AA) - from whichever bureau the creditor (who declined me) used.  I guess that's the one positive benefit that results from a credit denial!  

[lhcole77]

App'ed on 07/11/13 with ~7% UTL, 760 TU FICO and got $5K Arrival

Auto CLI on 01/11/14 of +3K to bring me to $8K

Overall UTL at CLI ~29% and on Arrival ~63%

Spent HEAVILY on this card, made payments totalling $3,333 over last 6 months, cashed in some miles for credit (30K) and DID NOT OPEN OR APPLY FOR ANY NEW TLs.

[H4LO]

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@wagsk1 wrote:

i start an online dispute with whatever CR just so i can view my report then i cancel the dispute before i file it

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Tisk tisk. 

[NotUsher]

Another data point for y'all:

Instant approval for no-AF Arrival on 7/4/13 ($7500 CL), updated billing cycle to the 24th of the month after receiving the card. No CLI at 6th statement (Dec 24) or 6 month mark (1/4/14).

Applied for Sallie Mae MC on 1/8/14 (had waited to see if Arrival CLI would come at 6th month mark), got 7-10 day message. Called in, analyst came back with $3k CL, asked for $5k (wanted the World MC). No problem, already reporting. Should have the card this week probably.

Opened a few other cards with the Arrival and no AA as of yet. Added another 1 at the same time as Sallie Mae, but it hasn't reported yet. Util was right around 1% at time of application for Sallie Mae.

Time for me to chill out on Apping as I'm right around 100% of my annual income in available credit. BCE in November/Dec 2014 is probably next and then maybe a Discover at some point. 

[All4One]

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@H4LO wrote:

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@wagsk1 wrote:

i start an online dispute with whatever CR just so i can view my report then i cancel the dispute before i file it

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Tisk tisk. 

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I wondered how long it would take to get called out.

[myjourney]

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@lhcole77 wrote:

App'ed on 07/11/13 with ~7% UTL, 760 TU FICO and got $5K Arrival

Auto CLI on 01/11/14 of +3K to bring me to $8K

Overall UTL at CLI ~29% and on Arrival ~63%

Spent HEAVILY on this card, made payments totalling $3,333 over last 6 months, cashed in some miles for credit (30K) and DID NOT OPEN OR APPLY FOR ANY NEW TLs.

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Congrats and thanks for adding your data points to the thread 

[myjourney]

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@NotUsher wrote:

Another data point for y'all:

Instant approval for no-AF Arrival on 7/4/13 ($7500 CL), updated billing cycle to the 24th of the month after receiving the card. No CLI at 6th statement (Dec 24) or 6 month mark (1/4/14).

Applied for Sallie Mae MC on 1/8/14 (had waited to see if Arrival CLI would come at 6th month mark), got 7-10 day message. Called in, analyst came back with $3k CL, asked for $5k (wanted the World MC). No problem, already reporting. Should have the card this week probably.

Opened a few other cards with the Arrival and no AA as of yet. Added another 1 at the same time as Sallie Mae, but it hasn't reported yet. Util was right around 1% at time of application for Sallie Mae.

Time for me to chill out on Apping as I'm right around 100% of my annual income in available credit. BCE in November/Dec 2014 is probably next and then maybe a Discover at some point. 

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Congrats and thanks for adding 

[Tristate]

Applied for Barclays Rewards MC in December 2012, instant approval for $1500. Used heavily with paying in full few times a month. Will run like 5000 every month.

6 months later auto CLI to $2300, called them right away and asked for more. HP - but they bumped me to $3500. Another six months of heavy use with PIF and UTI <10%.

And boom another CLI just couple days ago to $6000! Very happy with this card.  During the last year only 3 or 4 HP one of them for Wally and couple for Telephone, Internet services.

[mxp114]

App in April 2013, approved for $25,000. Auto CLI in September and again in January. I don't remember util at time of app or auto's, however it is now at 5% and my TU Fico per Barclays is 793. 2 HP on TU, no new accounts since I opened this one. Use card occasionally but my AU uses it monthly.

EDIT: forgot to mention increase amount of $3,500.