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Results after 12 months of use of Barclay and Merrick.

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Tristate
Contributor
‎01-13-2014 09:32 PM
‎01-13-2014 09:32 PM

Results after 12 months of use of Barclay and Merrick.

So started 12 months ago with $1300 with Barclays and $1500 with Merrick.

Barely used Merrick and they gave me $200 extra after 1 year. :-)

But Barclays bumped me to $3500 after 6 months of heavy use and PIF with UTI<10%.

And they auto CLI me to $6000 just few days ago! Also my barely used Cap 1 was changed to Quick Silver with 1.5% rewards on everything!

Time heals everything! Keep working guys!

AMEX BCE 10K; BARCLAYS REWARDS 10K; CITI ANYWHERE 8K; DISCOVER 7,5K;CAP ONE VENTURE 9K;MERRICK BANK 2,3K; MACY'S 1,2K; WALMART-SYNCRONY 450$.
BK7 DISCHARGED IN 2011. FICO 8 NOW IN LOW 700S.
Message 1 of 18
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17 REPLIES 17
B335is
Moderator Emeritus
‎01-13-2014 09:42 PM
‎01-13-2014 09:42 PM

Re: Results after 12 months of use of Barclay and Merrick.

Great story, congrats!

Message 2 of 18
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Tristate
Contributor
‎01-13-2014 09:46 PM
‎01-13-2014 09:46 PM

Re: Results after 12 months of use of Barclay and Merrick.

Thanks! It is also kind of helpful to walk away from the forum for a little while :-)

It's interesting to come back and read about cards like Duck and Beaver :-)

AMEX BCE 10K; BARCLAYS REWARDS 10K; CITI ANYWHERE 8K; DISCOVER 7,5K;CAP ONE VENTURE 9K;MERRICK BANK 2,3K; MACY'S 1,2K; WALMART-SYNCRONY 450$.
BK7 DISCHARGED IN 2011. FICO 8 NOW IN LOW 700S.
Message 3 of 18
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FinStar
Moderator Emeritus
‎01-13-2014 10:31 PM
‎01-13-2014 10:31 PM

Re: Results after 12 months of use of Barclay and Merrick.

Congrats! Thanks for sharing.

Message 4 of 18
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FastForward
Frequent Contributor
‎01-13-2014 11:20 PM
‎01-13-2014 11:20 PM

Re: Results after 12 months of use of Barclay and Merrick.

Congrats!  Good to hear nice things about Barclays.  So far I've been very happy with them too.  Smiley Happy

AmEx PRG (NPSL) | AmEx BCP (10k) | AmEx Blue Cash (1k) | AmEx SPG (3.5k) | Barclay Arrival WMC (7.5k) | Barclay Sallie Mae (1.5k) | Cap1 QS (2k) | Chase Freedom (1k) | Discover IT (4.5k) | InTouch (Local) CU MC (5k) | InTouch (Local) CU LOC (25k)

Citi/Best Buy (AU) (1.5k) | Citi/Best Buy (7.5k) | Comenity/Crate & Barrel (4k) | Comenity/Restoration Hardware (9k) | GE/Ethan Allen (2.5k) | Synchrony Bank/Banana Republic (3.3k) | Synchrony Bank/Gap (3.3k) | Synchrony Bank/Walmart (3.3k)

myFICO scores ~ 691 (EQ) 670 (EX) 712 (TU) || Goal scores: 750+ (all 3)
Message 5 of 18
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Josh2942
Established Contributor
‎01-13-2014 11:44 PM
‎01-13-2014 11:44 PM

Re: Results after 12 months of use of Barclay and Merrick.

Good work!

Jaguar F-Type R Loan 50K Balance
Goldman Sachs Signature Loan $29,000 TU 750 score pulled at time of loan.
Student Loan Debt $1,500
Credit Card Debt $300 1>% of $166,700
FAKO Transunion 723 Equifax 744
What's in my wallet? Chase Sapphire Reserve, Chase Freedom Unlimited, and AMEX Blue for Business
Message 6 of 18
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SunriseEarth
Moderator Emeritus
‎01-13-2014 11:45 PM
‎01-13-2014 11:45 PM

Re: Results after 12 months of use of Barclay and Merrick.

@Tristate wrote:

So started 12 months ago with $1300 with Barclays and $1500 with Merrick.

Barely used Merrick and they gave me $200 extra after 1 year. :-)

But Barclays bumped me to $3500 after 6 months of heavy use and PIF with UTI<10%.

And they auto CLI me to $6000 just few days ago! Also my barely used Cap 1 was changed to Quick Silver with 1.5% rewards on everything!

Time heals everything! Keep working guys!

Congrats on Auto-CLI x2 and PC!   Good work!



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 7 of 18
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coldnmn
Mega Contributor
‎01-14-2014 02:36 AM
‎01-14-2014 02:36 AM

Re: Results after 12 months of use of Barclay and Merrick.

Congrats! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 8 of 18
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efranklin23
Valued Contributor
‎01-14-2014 03:28 AM
‎01-14-2014 03:28 AM

Re: Results after 12 months of use of Barclay and Merrick.

@Tristate wrote:

So started 12 months ago with $1300 with Barclays and $1500 with Merrick.

Barely used Merrick and they gave me $200 extra after 1 year. :-)

But Barclays bumped me to $3500 after 6 months of heavy use and PIF with UTI<10%.

And they auto CLI me to $6000 just few days ago! Also my barely used Cap 1 was changed to Quick Silver with 1.5% rewards on everything!

Time heals everything! Keep working guys!

Congrats on your CLIs!

AMEX BCE (30K), DISCOVER IT (29.5K), NFCU CASH REWARDS (25K), BOA TRAVEL REWARDS (15K), USAA VISA (13K), CHASE SAPPHIRE RESERVE (13K), COMMENCE MASTERCARD (7.5K), CHASE FREEDOM (7K), CHASE FREEDOM (7K), TFCU CC (2.5K), TARGET REDCARD (900)
Message 9 of 18
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alvon123
Super Contributor
‎01-14-2014 03:35 AM
‎01-14-2014 03:35 AM

Re: Results after 12 months of use of Barclay and Merrick.

congrats


Message 10 of 18
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