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The BarclayCard CLI Soft Pull thread

tag
masscredit
Valued Contributor

Re: The BarclayCard CLI Soft Pull thread

Ok, my score on their website updated this morning (don't know if that mattered) so I can finally add my info to this thread after calling!  I called the number on the back of my card and asked if there was an APR reduction available. My Reward's APR is 22.99% and my Apple card's APR is 18.99%. I was transfered to someone that could help me with that. She said they can take one point off of the Rewards card so it is now 21.99%.  She then asked if I had any other questions. I asked her if there were any promotions that would apply to the account or a possible SP CLI. She said she could process that to see. Asked for my income. Before giving that I confirmed that it would be a SP. She said yes.  We proceeded and I am very happy to say that I now have my first $10,000+ card since my BK was filed in 2009.  I received a $2500. increase so the limit went from $8000. to $10,500. That was a 31.5% increase.

 

She asked if there was anything else. I figured it wouldn't hurt to keep going so I asked if there were any CLI offers available for my Apple card. We confirmed that I didn't get fired or get a raise in the previous 2 minutes so my income was the same. She then told me that my new CL would be $3200.  That was a 28% increase.

 

The increases were close to the same percent (about 30% on average). I haven't noted what others received but I wonder if this will help to gauge what you might see.

 

So to summerize -

 

How long have you had an open account with Barclay?

 

Apple card - Since August 2012 (swapped limits with my Rewards card in November of '14)

Rewards card - Since May of 2014 


What date did you get a soft pull CLI?

 

Most recent is today - April 23 2015. Also received one on the Rewards card during the call to swap limits in November of '14.


Was this your first CLI with Barclay or not?

 

No


(If you want to include this: How much % was the increase?)

 

28% and 31.5%

 

One other note, when I received the other SP CLI last November, that was a 33.5% increase. 

 

Pre-Credit Rebuild Scores Pre-DC (3/24/22) - EQ - 524 / TU - 519 / EX - 495

Current Scores - EQ - 687 / TU - 663/ EX - 677

SDFCU Secured - $5000 / TD Bank - $5000 / Mercury - $5000 / Capital One Savor One- $5000 / Capital One QuickSiver - $4500 / Ally Master Card - $2800/ Walmart Mastercard - $2250

Andrews FCU SSL $1500
Message 231 of 503
barthooper
Frequent Contributor

Re: The BarclayCard CLI Soft Pull thread


@masscredit wrote:

Ok, my score on their website updated this morning (don't know if that mattered) so I can finally add my info to this thread after calling!  I called the number on the back of my card and asked if there was an APR reduction available. My Reward's APR is 22.99% and my Apple card's APR is 18.99%. I was transfered to someone that could help me with that. She said they can take one point off of the Rewards card so it is now 21.99%.  She then asked if I had any other questions. I asked her if there were any promotions that would apply to the account or a possible SP CLI. She said she could process that to see. Asked for my income. Before giving that I confirmed that it would be a SP. She said yes.  We proceeded and I am very happy to say that I now have my first $10,000+ card since my BK was filed in 2009.  I received a $2500. increase so the limit went from $8000. to $10,500. That was a 31.5% increase.

 

She asked if there was anything else. I figured it wouldn't hurt to keep going so I asked if there were any CLI offers available for my Apple card. We confirmed that I didn't get fired or get a raise in the previous 2 minutes so my income was the same. She then told me that my new CL would be $3200.  That was a 28% increase.

 

The increases were close to the same percent (about 30% on average). I haven't noted what others received but I wonder if this will help to gauge what you might see.

 

So to summerize -

 

How long have you had an open account with Barclay?

 

Apple card - Since August 2012 (swapped limits with my Rewards card in November of '14)

Rewards card - Since May of 2014 


What date did you get a soft pull CLI?

 

Most recent is today - April 23 2015. Also received one on the Rewards card during the call to swap limits in November of '14.


Was this your first CLI with Barclay or not?

 

No


(If you want to include this: How much % was the increase?)

 

28% and 31.5%

 

One other note, when I received the other SP CLI last November, that was a 33.5% increase. 

 


Your experience is very encouraging for people who have had the cards for a year or more. It has been awhile since I read through the earlier replies to the thread, but most of the success with APR reduction and SP CLI seem to have been from people who had the card for a very short time to under a year or so. Gives me hope for my rewards card. Congrats!

Quicksilver - 16k | Discover It - 34k | Citi DC - $21k | Chase Amazon - 8k | Chase Reserve - 19.5k | Chase Preferred - 5k | EX FICO (Discover CSC) 788
Message 232 of 503
Anonymous
Not applicable

Re: The BarclayCard CLI Soft Pull thread

Read through this thread and decided to give it a shot.  Called the number on the back of my Arrival+ card and asked about an APR reduction first, then I asked if there were any CLI offers that didn't require a hard pull.

 

I got a 4% reduction on my APR which was great, but nothing on the CLI.  Account rep said that sometimes they do auto CLI's and that I should look for that if I don't want a hard pull.  I have never gotten an auto CLI on any of my cards so I'm not too hopeful on that, but the APR reduction was nice.

 

Opened my Arrival account on 10/11/2013, so 18 months ago.

 

Message 233 of 503
bigDEElight
Frequent Contributor

Re: The BarclayCard CLI Soft Pull thread

I called the number on the back of my card to see about reducing my interest rate on my Barclay Rewards MC. I spoke to a "relationship manager" and was told she would need to transfer me to an account specialist. The specialist was able to reduce my APR from 24.99 to 20.99% effective immediately. However, she wouldn't process the CLI without a HP. So I don't know if maybe I should call main CSV again and see if they can see the offers? A 4 point APR reduction is still a victory, even though I don't carry a balance on this card.

 

Data Points:

 

Card: Rewards MC

Last CLI: Auto CLI in 2/2015 1,000 --> 1,500

Starting APR: 24.99

Current APR: 20.99

UTIL: 10.9%, PIF each month 

EQ: 706 TU: 716 EX: 708
Total: $91,700 | 2016 Goal: $95K | Utilization: 8%
Message 234 of 503
SecretAzure
Valued Contributor

Re: The BarclayCard CLI Soft Pull thread


@Anonymous wrote:

@SecretAzure wrote:

@Anonymous wrote:

@SecretAzure wrote:

@Anonymous wrote:

How long have you had an open account with Barclay? 02/02/2015

What date did you get a soft pull CLI? 03/25/2015

Was this your first CLI with Barclay or not? Yes

(If you want to include this: How much % was the increase?) 23.5%


Congratulations! Did you call in for this or was it auto? Either way, nice bump in CL!


I called after reading this thread! So Thank Youuu!!!!

PS: No go on the APR reduction


You are so welcome, even if I created this thread out of my own selfish intentions. Smiley Very Happy 

 

I accept Kudos, Thank You's, and or a car wash! 

 

I'd try for the APR reduction in 6-7 months! Keep it going!


I called after reading this, got a APR reduction and a credit for the int paid last month. The Analyst said you have made all your payments on time so thank you. 


So happy it worked for you! I apologize for my delayed response time. Life.

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me

Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MCMust garden until 2/1/2022 to hit my goal AAOA. Smiley Indifferent
Message 235 of 503
CenturyChild
Frequent Contributor

Re: The BarclayCard CLI Soft Pull thread

Lots of useful info here.

 

I think with Barclays, the biggest factor is how you use the card.   I could be wrong here, but its seems as those of us that use our Barclay cards very heavily, or as our main card, are getting large CLIS.

Those who use occasionally are too, but not as much or as easily.

 

I think they just like seeing Heavy Use, Large payments, and occasionl balance carrying ior BTS to earn them some money.

All this together makes them very happy.

 

Mine is my most used card, and my 1 year CLI was for 2k making a totla of 4k credit.

Granted, that may be small to many of you here, but you must consider I have a small income and thats my largest line. 

 

So I must be doing something right with them right?

Message 236 of 503
Scupra
Super Contributor

Re: The BarclayCard CLI Soft Pull thread

Called CS on my Arrival+ card that I opened in 02/2014   Asked if I could request an APR reduction and it was approved Smiley Happy Was at 18.99 and now is at 14.99 I don't ever carry a balance on this card but it sure felt good haha!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 237 of 503
CreditCuriosity
Moderator Emeritus

Re: The BarclayCard CLI Soft Pull thread


@Scupra wrote:

Called CS on my Arrival+ card that I opened in 02/2014   Asked if I could request an APR reduction and it was approved Smiley Happy Was at 18.99 and now is at 14.99 I don't ever carry a balance on this card but it sure felt good haha!


I agree, plus you never know there might be a day you need to and saving 4 points is pretty big..

Message 238 of 503
Scupra
Super Contributor

Re: The BarclayCard CLI Soft Pull thread


@CreditCuriousity wrote:

@Scupra wrote:

Called CS on my Arrival+ card that I opened in 02/2014   Asked if I could request an APR reduction and it was approved Smiley Happy Was at 18.99 and now is at 14.99 I don't ever carry a balance on this card but it sure felt good haha!


I agree, plus you never know there might be a day you need to and saving 4 points is pretty big..


Agreed!!!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 239 of 503
SecretAzure
Valued Contributor

Re: The BarclayCard CLI Soft Pull thread


@CreditCuriousity wrote:

@Scupra wrote:

Called CS on my Arrival+ card that I opened in 02/2014   Asked if I could request an APR reduction and it was approved Smiley Happy Was at 18.99 and now is at 14.99 I don't ever carry a balance on this card but it sure felt good haha!


I agree, plus you never know there might be a day you need to and saving 4 points is pretty big..


Agreed, you never know and like he/she says, 4 points can make a world of difference. You should call back and see if they could also offer you a CLI.

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me

Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MCMust garden until 2/1/2022 to hit my goal AAOA. Smiley Indifferent
Message 240 of 503
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