Established Contributor
Posts: 677
Registered: ‎10-02-2007

Barclays Nervous of CLD...


So had my Barclays Apple Financiing Visa about 11 months and I requested a CLI last week, it was declined, called the recon line and the analyst approved it.


So, today I applied for the Virgin Visa got declined, I called the credit dept number (analyst under "backdoor" numbers) and left a VM with my account number etc and said I wanted to do a PC to the Virgin Card (this was after cust serv told me that they could not do the PC) and I left in the VM to please send me the Virgin card over night.


I really don't care if they don't approve me for the Virgin card or if they can't transfer the CL to that card, but I am not worried they will CLD me on the Apple Card


I scheduled (3) upcoming payments on auto pay for the Applie Financing Visa for:

9/27 for 900.00 ,

10/4 for 800.00

10/10 for 900.00 in the hopes that they will see I can handle the CL I have now



I am just asking because I have read people getting CLD after they try and do a PC



What do you think?  



Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011

Re: Barclays Nervous of CLD...

You'll be just fine, keep charging and making payments.

Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.