If you go to the Barclays site, you can see a list of cards. For me, the 12 0% APR of Apple was equal to the Rewards card, so I figured Id go for the World card--it's a 5k minimum, I think, and if they can't qualify you for it, you can get the Platinum. I just figured if I was going to play with Barclay and gamble CLD and such, I might as well go for the big card! Lol.
Do you have Barclays? Yes
Which Product? Apple Visa and PC'd to Rewards 3 weeks ago
How long have you had it? 7 months
Recon or Instant? Instant
Has you account been CLD'd--not yet
How many new accounts at the time of app? -- 8 apps(including Barclays) within 5 days of each other and 2 of those 8 were from the shopping cart trick.
How many apps since?--8 more and 1 of the 8 was from the shopping cart trick.
Initial CL?-- $2000 on approval.
CLIs? (how far apart, initiated by you; if so, recon? or auto?)--none yet
Spend habits (carry a balance? PIF? churn points?)--approximately $600 monthly and PIF
Score? 712 and HP on TU.
@LisaJ wrote:After intense research, I finally gave in and apped for a Barclays. I was going for an Apple ogriginally, but after BCP success, decided to aim a bit higher...I want to buy a lap top and the 12 months 0% is the same, plus I feel like it got me a higher limit. Anyway, as I intend to make a purchase and will carry a balance for a bit, I'd liek to hold on to that $7500 CL! I do agree with the people who tend toward believing that the CLD isn't as frequent as it appears, but I thought maybe it would be helpful to try and establish a pattern, as difficult as it may be.
My thoughts are that it is dependent upon a mix of things--spend habits, credit profile, but also might have to do with the type of Barclay product. So, a survey for anyone who wants to play:
Do you have Barclays? -- Just Accepted
Which Product? --Barclaycard World MC
How long have you had it?--not here yet
Recon or Instant?--recon
Has you account been CLD'd--not yet
How many new accounts at the time of app? -- two in same time frame, also two Chase accounts in the year prior.
How many apps since?--None; I am in the garden.
Initial CL?-- $7500 after recon for approval.
CLIs? (how far apart, initiated by you; if so, recon? or auto?)--none yet
Spend habits (carry a balance? PIF? churn points?)--plan to carry a balance for a bit.
Score?-- low 700s at time of app---HP on TU.
The best I can figure, Barclays doesn't like it, in general, when they make no interest off of their members. Their higher profile/more prime products seem to get the axe less. They are sensitive to changes in credit report, especially new account inquiries.
Hoping we can find some sort of a pattern...I'm hoping to not be AA, but I knew the risks, so mainly just curious...I like puzzles! Plus, maybe this will help new applicants and establish some sort of a pattern.
Do you have Barclays? --Yes
Which Product? --Barclaycard Rewards World MC
How long have you had it?--7 months
Recon or Instant?--Recon
Has you account been CLD'd--No
How many new accounts at the time of app? -- 6
How many apps since?--4
Initial CL?-- $5000 after recon for approval / transferred Apple Visa CL to it and closed Apple to make $7,200CL
CLIs? (how far apart, initiated by you; if so, recon? or auto?)-- None so far / high util. stopping auto luv
Spend habits (carry a balance? PIF? churn points?)-- Card was planned on big BT to it to pay own over a year. Will be PIF by October then used regularly and PIF monthly.
Score?-- 680 at time of app---HP on TU.
@LisaJ wrote:After intense research, I finally gave in and apped for a Barclays. I was going for an Apple ogriginally, but after BCP success, decided to aim a bit higher...I want to buy a lap top and the 12 months 0% is the same, plus I feel like it got me a higher limit. Anyway, as I intend to make a purchase and will carry a balance for a bit, I'd liek to hold on to that $7500 CL! I do agree with the people who tend toward believing that the CLD isn't as frequent as it appears, but I thought maybe it would be helpful to try and establish a pattern, as difficult as it may be.
My thoughts are that it is dependent upon a mix of things--spend habits, credit profile, but also might have to do with the type of Barclay product. So, a survey for anyone who wants to play:
Do you have Barclays? --11/2012.
Which Product? --Barclaycard Platinum MC
How long have you had it?--2 months
Recon or Instant?--Instant
Has you account been CLD'd--Closed 2 months by them
How many new accounts at the time of app? -- 10 in last year before that
How many apps since?-- 8
Initial CL?-- $500.
CLIs? (how far apart, initiated by you; if so, recon? or auto?)--Requested 1 and they closed the card from the card from they're Inq...Spend habits (carry a balance? PIF? churn points?)-- Paid in full 5 times over 1-1/2 months...
Score?-- 660 HP TU. SP on Exp when closed by grantor... This was a credit builder...
The best I can figure, Barclays doesn't like it, in general, when they make no interest off of their members. Their higher profile/more prime products seem to get the axe less. They are sensitive to changes in credit report, especially new account inquiries.
Hoping we can find some sort of a pattern...I'm hoping to not be AA, but I knew the risks, so mainly just curious...I like puzzles! Plus, maybe this will help new applicants and establish some sort of a pattern.
I complained with the consumer financial bureau against them for closing my card because I believe it was because I filed a complaint against a very Rude supervisor and the day after my card was closed no reason.. I was trying to dispute a charge and they wouldn't do it they said that dept was closed then I asked for a super and he was very nasty with me. I had a pending credit line increase request and they closed my tiny $500 builder out... But 1 month later after closure I got a $4000 sears MC to replace it and a Chase card...
Starting Score: TU:599 EXP: 596 EQ: 595 Starting Year 2009