Another surprise CLI from Barclay's

[MidnightVoice]

DW has a Barclay's B&N card that started out at $15K two and a half years ago.  She has has had 3 CLIs in that time:  15-16K when I asked about a year ago,  16-19K late last year year and 19-22K this week 

[fused]

Nice!

What are your wife's spending and payment habits with Barclays?

[MidnightVoice]

Until recently we hardly ever used it - maybe once every couple of months for a book.  But the last couple of months we used about 60% of the CL (putting the payments for the new deck through the card to buy books  )

[haulingthescoreup]

I need a new deck. Would you be interested in helping out?

Congrats again on your golden goose card!

[MidnightVoice]

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@haulingthescoreup wrote:

I need a new deck. Would you be interested in helping out?

Congrats again on your golden goose card!

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Well, as soon as the bill comes in, I will pay it with this card and start buying books with the reward points 

Plus "The Hitchhiker's Guide to the Galaxy: The Complete Radio Series (Box Set)" - all 15 hours of it 

[ngerasimatos]

Im hoping they are as sincere with me as they are with you. I use me Barclay card (Virgin America) for EVERYTHING, and then pay it off in full weekly. So far I have not had the good fortune of being granted a CLI (though my scores should warrant one, I just dont want a INQ at this time), however I was told that over time Barclay is very good with handing out CLIs if you play by their rules. 

[MidnightVoice]

It took about 18 months to two years, but since then the CLIs seem to come at odd intervals.

I have not had an auto CLI from anyone else in the last 5 years!!

[Wolf3]

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@ngerasimatos wrote:

.... however I was told that over time Barclay is very good with handing out CLIs if you play by their rules. 

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What are Barclays's rules?

[ngerasimatos]

Pay your bill on time, etc. The normal rules. 

[MidnightVoice]

I have piffed every month on both cards except once where I screwed up and didn't pay the full balance (NOT LATE).

On one of them I use it all the time I often pay twice and sometimes three time a month.

On the other (the biggie) I just pay every monnth.

I don't worry about the balance that reports - I just use the card