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Barclay CC let's put our heads together

Valued Contributor

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]=---
Message 81 of 972
Super Contributor

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

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 82 of 972
Valued Member

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.

Message 83 of 972
Valued Contributor

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]=---
Message 84 of 972
Super Contributor

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 Smiley Wink

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 85 of 972
Super Contributor

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 Smiley Wink

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 86 of 972
Valued Contributor

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.


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Message 87 of 972
Super Contributor

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

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 88 of 972
Established Contributor

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

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Message 89 of 972
Established Contributor

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
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Message 90 of 972