Reply
Valued Contributor
Posts: 1,715
Registered: ‎03-07-2013
0

Re: Barclay CC let's put our heads together

Wow! Great info empty pockets! Thanks!


GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Community Leader
Senior Contributor
Posts: 26,794
Registered: ‎02-07-2013
0

Re: Barclay CC let's put our heads together


emptypockets wrote:

OK, here's mine:

 

Approved: May 2009 for US Air MC. Approved for $4000. Early 2010 applied for a Spirit Airlines card, approved by splitting 4k line from US Air, so both cards were 2k each. A few months later, when Barclays lost Spirit CC portfolio, this card became a platinum MC. 

 

Increase: Requested a CLI online (Boost your spending power) 5/2011. Was declined for increase on Platinum MC (reason - you have adequate avail credit on other accounts or something like that) with no hard pull. I went ahead and applied for a CLI for US Airways, and got the same denial letter (AND they pulled a hard). At the time accounts had been open 2 yrs, and used for recurring charges, XM radio, Onstar, etc.) and PIF each month. Later that same month, went online to pay the bill and they raised the US Air limit to 3200. (Note - I got a letter a week or so later saying that the denial was done in error, and they increased the limit by the requested amount. No CLI for the Platinum MC though). 

 

Increase #2: In May, 2012 went to pay my bill and I noticed that my limit (US Air MC) had went up by $700. I got a letter a couple days later saying, "congrats, we have   increased your limit, etc." This was my first Auto CLI, on this account (open since 5/09). I had not been using the card much, and actually was carrying a small                balance (700 on a card with a 3200 limit) prior to this CLI, which took the card to a 3900 CL. Increase #3: In June, 2012, received a Auto CLI on Platinum MC, limit went from 2k to 3350.

 

Spree #1: opened five cards in June-July 2012. Wasn't using either card much during this time, as I was meeting bonus spend on other cards. Also switched auto pay to other cards.

 

Applied 9/2012: Apped for NFL card. Decision deferred. Was told that they manually review all apps when cardholder has an existing card. Had to explain app spree      (told them it was for rewards). Approved for 5k. Was told by CSR that I should not app for any new cards for "a while" or risk AA. When asked what was "a while" he clarified that he meant the next 6 months. At that time, I combined limit from Plat MC with US Air, making that limit 7250. I used the NFL card for a month or so, just charging $400-500 so I could get the sign up bonus.

 

Increase #4: 5/2013 - Received BT checks in the mail, which said I could transfer a balance onto NFL card, and they would match up to $3k with a CLI. I wrote a check  to myself for the $3.3k to transfer a balance, and they actually raised limit the entire 3.3k (not just up to 3k). I currently have a balance of 1.2k left on the 0% BT on the NFL card until 8/2014. Limit on NFL card is now 8.3k.

 

Spree #2: 5/2013-7/2013 - (I waited 8 months) Apped and received Chase Marriott, Chase SW, Citi AA Siggy Visa, and BOA Better Balance Rewards.

 

I really don't use Barclay's as my "main cards" and am carrying a small 0% balance on them currently. This is my first use of them for a BT, but I received the checks from them (with the CLI offer) in the past on the US Air account, but never used it. Current utilization (over all cards) is 4%, and all of it is at 0%. I PIF other cards that I use throughout the month.

 

As of yet, no AA or CLD, but I continue to check the account regularly, as the posts on the forum have me spooked.

 


Now you have certainly had a successful relationship with them and according to the research in this thread you are following the pattern they like to see..Carrying balances using BT's

 

And don't feel alone even tho I just got an auto CLI I too am still a little bit spooked but I still say I won't let them dictate how I manage my credit and which cards I choose to carry a balance on and have reported because I do switch to show all lenders activity on my CR Lol



+ Chase Ink =

Valued Member
Posts: 31
Registered: ‎06-15-2012
0

Re: Barclay CC let's put our heads together

I recieved the NFL card 2/13 with a 500 limit. I use the card monthly almost to the max and before statement cuts I pay it down to about $35 remaining balance. It has not been 6 months as of yet and I have recieved an automatic CLI for a limit of $2000. NFCU has yet to post yet with its new limit (started out with $500 too 12/12) so hopefully BC will match or get close.


>Starting Score: EQ 517 TU 514 EX 517 (5/15/2012) Bankruptcy discharge 6/2012
Current Score: EQ 659 TU 633 EX 654
Goal Score: 700

What's in my wallet: Navcheck $15k, NFCU cashrewards $10k, CO Platinum $1.5k CO Rewards $2.5k, Barclay NFL $2k, CO Sparks Biz $2k AU CO $750, Barclay $1k, NFCU $3k
Valued Contributor
Posts: 1,715
Registered: ‎03-07-2013
0

Re: Barclay CC let's put our heads together

I think emptypockets situation is a great model on how to have a healthy relationship w Barclay...heh


GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Community Leader
Senior Contributor
Posts: 26,794
Registered: ‎02-07-2013
0

Re: Barclay CC let's put our heads together


djc1puno wrote:
Wow! Great info empty pockets! Thanks!

It surely was great info and we need more results like that one to compare :smileywink:



+ Chase Ink =

Community Leader
Senior Contributor
Posts: 26,794
Registered: ‎02-07-2013
0

Re: Barclay CC let's put our heads together


jaicam5 wrote:

I recieved the NFL card 2/13 with a 500 limit. I use the card monthly almost to the max and before statement cuts I pay it down to about $35 remaining balance. It has not been 6 months as of yet and I have recieved an automatic CLI for a limit of $2000. NFCU has yet to post yet with its new limit (started out with $500 too 12/12) so hopefully BC will match or get close.


Another case of carrying a balance Yay

Thanks for your input :smileywink:



+ Chase Ink =

Established Contributor
Posts: 1,047
Registered: ‎02-03-2009
0

Re: Barclay CC let's put our heads together

@ journey, I am spooked mainly because I would rather know right away if they are going to do AA so I have been checking my account more recently. If they give me AA, I will just pay the card off sooner that I wanted, no biggie. I only used the BT check from them because it had a CLI attached (since they like to do HP's for most CLI's). They happened to catch me right when I had a unexpected expense that I wanted to "float" for a few months. Other than that, I get BT checks from alot of lenders on a regular basis, that go in the garbage. I agree that we cannot walk around in constant fear of what they might do. One advantage to having good credit is having options for how to manage your cashflow.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (5), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, DC Premier MC, Macy's AMEX; A few store cards.

Current Scores: EQ My Fico (12/14): 785; TU MyFico (12/14): 793; EX (My Fico): 765; Walmart TU Fico 08 (1/2015): 788
Community Leader
Senior Contributor
Posts: 26,794
Registered: ‎02-07-2013
0

Re: Barclay CC let's put our heads together


emptypockets wrote:

@ journey, I am spooked mainly because I would rather know right away if they are going to do AA so I have been checking my account more recently. If they give me AA, I will just pay the card off sooner that I wanted, no biggie. I only used the BT check from them because it had a CLI attached (since they like to do HP's for most CLI's). They happened to catch me right when I had a unexpected expense that I wanted to "float" for a few months. Other than that, I get BT checks from alot of lenders on a regular basis, that go in the garbage. I agree that we cannot walk around in constant fear of what they might do. One advantage to having good credit is having options for how to manage your cashflow.


Like you the statement above is so true and you know I have seen BT checks from them but never really looked at the details I just turn them into strips Lol

Maybe I'll have to look closer now that I may get a SP CLI .....Lol



+ Chase Ink =

Established Contributor
Posts: 556
Registered: ‎01-31-2008
0

Re: Barclay CC let's put our heads together


myjourney wrote:

emptypockets wrote:

@ journey, I am spooked mainly because I would rather know right away if they are going to do AA so I have been checking my account more recently. If they give me AA, I will just pay the card off sooner that I wanted, no biggie. I only used the BT check from them because it had a CLI attached (since they like to do HP's for most CLI's). They happened to catch me right when I had a unexpected expense that I wanted to "float" for a few months. Other than that, I get BT checks from alot of lenders on a regular basis, that go in the garbage. I agree that we cannot walk around in constant fear of what they might do. One advantage to having good credit is having options for how to manage your cashflow.


Like you the statement above is so true and you know I have seen BT checks from them but never really looked at the details I just turn them into strips Lol

Maybe I'll have to look closer now that I may get a SP CLI .....Lol


So how does this BT check with a CLI attached work?  The other day I called Barclay to alert them to travel, and they mentioned I had a BT offer available.  He went through a little bit and explained about some limit (around 1900 I think)…I assumed this meant the maximum amt I could transfer, but I wasn’t paying full attention since it wasn’t something I was interested in doing.  Yesterday, I got three BT checks in the mail but tossed them without reading anything.  Could they have been offering a CLI and I just missed it?  If so, how does this work?  It seems odd that Barclay would encourage this sort of thing

Chase Freedom: $1500, Citi Diamond Preferred: $3000, Barclays: $3900, Chase Disney Visa: $1500, Chase Southwest Signature: $5000, Citi TY Preferred: $3000, Cap One Platinum: $1750, Cap One Platinum Rewards: $2500, Orchard Bank: $900, Kay Store Card: $4500
Established Contributor
Posts: 747
Registered: ‎10-15-2012
0

Re: Barclay CC let's put our heads together


staifokuzed wrote:
Simply is that a legit list from Barclay. Cause that explains them to a T. Seems that is the algorithms that the boss aka computer follows. The analyst don't really agree with it so that is why they have such a good recon. Really this computer has to be cracked. A year from now there will be long guide to Barclay computers similar to that of Amex....

That came from the Barclay Ring blog, so I'd say yes.


Starting Score: 515
Current Score: EQ04 675 EX04 702 TU08 724
Goal Score: 700+

Amex BCP $12300 | PSECU $10000 | Discover IT $9250 | Barclay Ring $6500 | Citi DC $6100 | DCU $5000 | Chase Freedom $4000 | PayPal Extras MC $3000 | US Airways $2400 | Cap 1 QS One $2000 | Cap 1 Platinum $1700 | Union Plus $1000 | Target $200
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.