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I am an AU on my husband's Barclay CC. We opened it 8 months ago with a $1500 limit. Husband's FICO scores at the time were around 640 across the board.
A few days ago, someone broke into our car. My husband thought he had left his wallet in the car, so we immediately called Barclay and canceled the card with a representative (we later found his wallet inside the house, fortunately).
This morning, the new card arrived in the mail, along with a letter that stated they have reviewed our account, and increased our credit limit from $1500 to $3200! Cool, we'll take it. I didn't see any inquiries show up, and I monitor both our reports practically daily.
We did not ask for the increase b/c we didn't want to risk a hard pull but I'm happy with the result!
Stats: Husband FICO 8 scores: 649 EQ, 700 TU, 686 EX.
Card: 8 billing cycles completed
Usage: We PIF about 50% of the time. One month we left it nearly maxed out around $1200, had a few months with around $400 balance reporting, and a few months of $0 balance, all mixed up.
Rewards: We've earned $180 in rewards money so far, and paid $47 in interest total over the life of the card. $0 annual fee, so we're still up money
We use the card daily for basically everything.
Sorry about the car, but how awesome for that nice CLI!
Ah....so thats the secret with Barclays.
note to self: call barclays and report card missing.
Congrats on your CLI!