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Barclay Payment Hold and Credit Line Increase

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Aarvard
Established Contributor

Barclay Payment Hold and Credit Line Increase

Hi guys,

I was approved for a $4,000 CL Arrival + WEMC last month and have been using it heavily, nearly maxing out my card. On Dec 31st I made a $3,700 payment but Barclay held it even though it was deducted from my bank account, so I had to call in and request to remove the hold to leave space for some large purchases. After 15 min struggling with CSR and endless hold I managed to talk to their manager who then verified the information with my bank but informed me that the hold would not be liftedcompletely until Jan 7. He suggested that he could partially lift it for me and asked for the amount I'd want to. I requested at least $2,000 available credit and he said OK. Boom, when I logged back in my account the CL has been raised to $6,000, and strangely enough the hold has also been cleared. So I happened to have a CL without asking even though they denied CL when I called in after receiving my card.

I wished I had asked for $3,000 LOL.

03/25/2015 TU 08 765, EX 08 747, EQ 08 757, EQ 04 754.
01/30/2016 TU 08 775, EX 08 752, EQ 08 744
Goal: 780+ across all models.
Message 1 of 4
3 REPLIES 3
Imperfectfuture
Super Contributor

Re: Barclay Payment Hold and Credit Line Increase

Congrats, I think. Smiley Happy
Signature needs updating
Message 2 of 4
09Lexie
Moderator Emerita

Re: Barclay Payment Hold and Credit Line Increase

Your increase is probably temporary based on your conversation with the supervisor.  Monitor your account to see if the CL reverts back to $4k

Message 3 of 4
TRC_WA
Senior Contributor

Re: Barclay Payment Hold and Credit Line Increase


@09Lexie wrote:

Your increase is probably temporary based on your conversation with the supervisor.  Monitor your account to see if the CL reverts back to $4k


I would agree.

FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24
Message 4 of 4
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