Reply
Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Barclay's CLI online or phone?

[ Edited ]

Just wondering if it's better to call or hit the Luv button. I know a while back, people were saying to stay away from Barclay's Luv button, but I want to ask for a CLI. I get really nervous about talking to a rep and having to answer their questions. Not sure why to say I want the CLI, except to help w/my util, which wouldn't be a good answer to give them! :smileyhappy:

 

Any have better or worse luck with phone vs. online? Any suggestions as to what to say for the reason? I have $5k and would like $10k. I currently have a 0% promotional rate bal w/them of $3k.

 

Thanks for your help! :smileyhappy:

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Regular Contributor
staifokuzed
Posts: 180
Registered: ‎12-19-2012
0

Re: Barclay's CLI question

I dislike calling as well. But from what I read an analyst will call you after you submit via online. It's also a HP.
AMEX B SKY-1K AMEX PRG- NPSL USAA PLTM -6K
DISCOVER IT- 5.2K BARCLAY REWARD- 3.2K
PAYPAL REWARDS -6K VICTORIA SECRETS -1750
USAA AMEX-5.5K CITI TY PREFR 3.1K(NPSL) CHASE FREEDOM -1K
SPORTSMAN VISA- 8K AMEX ED PRFD- 8.5
Regular Contributor
Necromancer
Posts: 131
Registered: ‎08-27-2013
0

Re: Barclay's CLI question

I'd call, from what I've read the results seem to be better, either way it will result in a HP. One thing though, you have to have your cc for at least 6 months before they will even consider a cli.



FICO's: Eq 771 (10/23/13), Ex 799 (10/5/13), TU 809 (11/14/13)
Contributor
jllunas
Posts: 78
Registered: ‎08-03-2012
0

Re: Barclay's CLI question

I did a credit line increase request online. They have always gave it to me. i have done that twice in the last year and a half.
Transunion 698
Equifax 713
Experian 700
Goal Score 750
HWLBA
Established Member
MC9199
Posts: 36
Registered: ‎05-06-2013
0

Re: Barclay's CLI question

Every time I have called them on the phone for CLI I have gotten what I asked for. I went from 1500 -> 2800 -> 4000 -> 6000.

 

Except a  few weeks ago I decided to try through the web site, 6000 -> 8500, and got rejected. They probably don't like the fact that I have gotten a high limit CU card since the last CLI from them in May (and the Duck hasn't reported yet, I suppose they will throw fits when they see that.) I feel like I am in their doghouse for a while, so I better be good.

 

 

Gardening at least until April 30 2014--
FICO: 695 (as of 3/27/2014; M&T Bank Beacon 5.0 EQ FICO) | BK 7 Discharged April 2010 | Current Lines: OCCU Duck Visa $12,000 (1% util, opened 10/2013) | Alliant FCU Platinum Visa, $15,000 (5% util, opened 5/2013) | Barclays iTunes Visa $6000 ( 1% util, opened 11/2011) | Best Buy MC $800 (0% util, opened 5/2010 | M&T Bank Checking Overdraft LOC $500 (0% util, opened 1/2007)

Most recent scores (March 26 2014): EQ 701 | EX 751 | TU 705
Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Re: Barclay's CLI question

Thanks for the replies. Not quite sure what to do.

 

If I call, what would be a good reason to give them for wanting the CLI? Do they usually ask that?

 

(This is the Barclay's MC.)

 

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Established Member
MC9199
Posts: 36
Registered: ‎05-06-2013
0

Re: Barclay's CLI question

I never gave them a reason for the request (and they never asked). I suppose you could mention the upcoming holidays :-)
Gardening at least until April 30 2014--
FICO: 695 (as of 3/27/2014; M&T Bank Beacon 5.0 EQ FICO) | BK 7 Discharged April 2010 | Current Lines: OCCU Duck Visa $12,000 (1% util, opened 10/2013) | Alliant FCU Platinum Visa, $15,000 (5% util, opened 5/2013) | Barclays iTunes Visa $6000 ( 1% util, opened 11/2011) | Best Buy MC $800 (0% util, opened 5/2010 | M&T Bank Checking Overdraft LOC $500 (0% util, opened 1/2007)

Most recent scores (March 26 2014): EQ 701 | EX 751 | TU 705
Valued Member
chewchowlady
Posts: 25
Registered: ‎10-12-2013
0

Re: Barclay's CLI question

[ Edited ]

For all of the *many* times I have called to request CLI (all with different banks / stores / backers), no one has ever asked me why I was requested the increase. When you call, they may ask you to verify some info - and then ask you what they can do to help you. All you have to say is I would like to request a credit limit increase on my account. They will say "Ok, I will be very happy to assist you with that". You may or may not have to go through a verification of address / employer / income - but I have never been asked to give reason for the request. 

 

I say go for it! And good luck! Let us know!  :smileyhappy:

Seedling:

Discover It 5.5K / OCCU Duck 5K / Sportman's Guide Visa 5K / Walmart Discover 4.2K / Citi AA Amex 3.5K / Chase Freedom 2K / Cap1 Quick Silver 2K / BOA Cash 2K / Amex BCE 1K - Too many store cards to list!

Garden since 11/14/2013 - No need to apply for any new credit until closing on my home! (Summer 2015)
Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Re: Barclay's CLI question

@chewchowlady, I have been asked why I wanted the CLI by some banks/CUs, so I guess it depends.

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}