No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Hellllllllllllllllllllllllllllllllllllllllllllllllllllloo community,
so I'm sittin here wanting use my Barclay Rewards card for my ph bill but with my small $500 opening CLI and a balance of roughly half that I kinda can't tonight. I mean after I pay down some of my balance tonight and then wait for my payment to clear I can, but that is such a pain. I mean I always pay down my accts through the month until I get where I wanna be as far as my reporting limit, but that $500 CL makes more nerve racking as I feel like I'm almost always sending something. I've only had the acct since mid-end of October and I've easily slid n ran that baby for over $1,500 closer to $2,000.
I'm wondering what everyones thoughts are as far if I have any kind of chance at calling now and requesting a CLI given the small opening CL and good payment history... Has anybody else tried this manuver and if so what was your take away? Also, will it be a HP if I do?
Thanks
Edit: capitalization unnecessary
Unless you get an Auto-CLI, I believe it's always going to be a HP from Barclays.
Barclay gave me a cli about 3 months in...but that's 'cause I aprnt a bunch and paid it off right away. I had to ask for the 2nd increase and it wasn't pretty. They gave it grudgingly and it was definitely an hp. I don't think they'll be too generous next time 'round either. Oh well. Somebody should give me an increase soon. I'm getting anxious. Lol
@Involver wrote:
Wait until after your 7th statement cuts. If you don't get an auto CLI I would say it's a good time to ask. I would skip the online request though and go straight to their underwriting dept.
So it's 7th statement with them that auto-CLI might happen, not 6th?
EDIT: aaaand I googled your post from october last year: http://ficoforums.myfico.com/t5/Credit-Card-Approvals/Barclay-s-Sallie-Mae-Auto-CLI-7th-Statement/td...
|
@Kostya1992 wrote:
@Involver wrote:
Wait until after your 7th statement cuts. If you don't get an auto CLI I would say it's a good time to ask. I would skip the online request though and go straight to their underwriting dept.So it's 7th statement with them that auto-CLI might happen, not 6th?
EDIT: aaaand I googled your post from october last year: http://ficoforums.myfico.com/t5/Credit-Card-Approvals/Barclay-s-Sallie-Mae-Auto-CLI-7th-Statement/td...
Was 7th statement for me, 4400 -> 8400.
|
I asked for one at 5 months .. it wasn't huge but the CL at the time was only 1300. But they doubled it.
@Kostya1992 wrote:
My 7th statement cuts on Feb 7th. I'm currently at over 50% of my CL on my SM, would you reccomend I let a big balance post so they see usage?
FYI, mine was at 35% in December and they auto CLI'd my Sallie Mae from $10K => $13K
I have had my card for 9 statements now and have never received an increase off the tiny $250 credit line i was granted. I now have a chase southwest 5k and mariott 5k as well as cap 1 and amex for 3k. barclays will not budge. Have tried pay and full and tried carrying a balance... Good luck with them i cant figure them out .