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Barclay CC let's put our heads together

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CreditMagic7
Mega Contributor

Re: Barclay CC let's put our heads together

Someone at Barclay's approval department had routine instinctive reflexes?
Smiley Happy
Message 481 of 972
myjourney
Super Contributor

Re: Barclay CC let's put our heads together


@Rhaeny wrote:

I forgot all about this thread!

 

Okay so I got the Apple card in Sept 2012 with a $1K CL.

 

PC'd to the Rewards card Jan 2013.  Today that card has a $3.3K CL and all increases were auto.

 

App'd for the Sallie Mae card earlier this month (March).

 

Instantly approved for $650 Smiley Surprised

 

Now that was outrageous!

 

I called the backdoor and the analyst was like oh yea, that's not right and wasn't sure why it would give me such a low limit.

 

She increased it to a $5K CL.

 

They pulled TU and I had 5 inquiries and the latest new account was from June 2013, score was 710 and util was 40%.

 

 


Oh you're having great success with Barclay

Congrats 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 482 of 972
iyoulow
Valued Member

Re: Barclay CC let's put our heads together

She has the rewards card with me as an AU. I got one as well with a $500 limit. I have a couple of months until I hit the 6 month mark.
Credit Sesame (EX) - 7/2013 - 639, 9/2013 - 658, 10/2013 - 676, current - 670
Credit Karma (TU) - 7/2013 - 580, 8/2013 - 591, 9/2013 - 607, current - 635
USAA Experian Credit Check - 8/2013 - (EX) 609, (EQ) 634, (TU) 601
9/2013 - (EX) 639, (EQ) 649, (TU) 605 - 3/2014 - (EX) 652, (EQ) 641, (TU) 631
Message 483 of 972
myjourney
Super Contributor

Re: Barclay CC let's put our heads together


@iyoulow wrote:
She has the rewards card with me as an AU. I got one as well with a $500 limit. I have a couple of months until I hit the 6 month mark.

Thanks for adding to the data point and good luck 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 484 of 972
kobe2012
Established Contributor

Re: Barclay CC let's put our heads together

My barclays mc that I got approved on thru recon on july 2013 was CLD on the sixth statement... from $5000 to $4000... my util went from ~20% to ~50% though.... at least they didnt close the account.... (knock on wood)... and I applied for several cards, maybe 1 inq on EQ and TU and 6 on EX


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 485 of 972
myjourney
Super Contributor

Re: Barclay CC let's put our heads together


@kobe2012 wrote:

My barclays mc that I got approved on thru recon on july 2013 was CLD on the sixth statement... from $5000 to $4000... my util went from ~20% to ~50% though.... at least they didnt close the account.... (knock on wood)... and I applied for several cards, maybe 1 inq on EQ and TU and 6 on EX


Ouch sorry to hear I think your the second one in this thread to have a CLD no closures tho 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 486 of 972
kobe2012
Established Contributor

Re: Barclay CC let's put our heads together


@myjourney wrote:

@kobe2012 wrote:

My barclays mc that I got approved on thru recon on july 2013 was CLD on the sixth statement... from $5000 to $4000... my util went from ~20% to ~50% though.... at least they didnt close the account.... (knock on wood)... and I applied for several cards, maybe 1 inq on EQ and TU and 6 on EX


Ouch sorry to hear I think your the second one in this thread to have a CLD no closures tho 


Yea, they don't hate me that much yet... but to be honest, I really don't care if they close it.... the APR is super high! and theyll prolly do me a favor if they close it...lol


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 487 of 972
DaveSignal
Valued Contributor

Re: Barclay CC let's put our heads together

I just got my auto-CLI today!   It came along with the 7th statement.  The statement had a nice message on it: 


CONGRATULATIONS!

Because you have managed your account responsibly, we've increased your credit line to $6,500.00. This increase is effective right away, so it is available to you now. We hope this increase makes it easier and more convenient to use your Barclaycard Arrival World MasterCard® for all of your purchases.


This was despite the fact that my FICO has dropped since being approved for the card due to new accounts, my only open installment being paid off and closed, and positive accounts falling off and hurting my AAoA.  I usually let the statements cut with whatever balance, then pay that full balance by the due date.  I have used the card much more than normal during Februrary and the beginning of March, since I used in frequently while on vacation in another country.

I had originally thought that Barclays had passed me over for the auto when my 6th statement cut and I didn't get it.  I wasn't horribly perturbed, but I wasn't excited about waiting for another 6 months before they noticed me.  I was wrong and I guess they look over accounts for CLI more often than that.  It would have been much cooler if they did a $5k to $10k or even $5k to $15k CLI, but I don't think Barclays is nuts to give out more credit like that.  Regardless, I am happy that I got something and am anxious to see if they do it again in another 6 months.  I like this Barclays card.  I pay no annual fee and use it exclusively for dining and travel... both of which I do frequently.  I also live outside of the united states and so I save tons of money with the 0% foreign transaction fees.  Oh yeah, and I am racking up rewards points pretty fast too, currently at 52557 miles, which is equal to $578.12.  Some of that includes a $20k signup bonus, but this card still seems to be earning faster than I expected.  I like it!

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Message 488 of 972
someguy32
Established Member

Re: Barclay CC let's put our heads together

well started with $500 and got bumped to $1250 which is an odd limit IMO  6 month auto

Message 489 of 972
newmomnewme
Valued Contributor

Re: Barclay CC let's put our heads together

My sixth statement cuts next month.....so we will see. I keep checking my account for CLI, no word yet. *fingers crossed*

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Message 490 of 972
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