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Valued Member
tjrssibelle
Posts: 27
Registered: ‎04-04-2013

Re: Barclays Pattern? Wanna play?


tjrssibelle wrote:

MazdaSpeed wrote:

tjrssibelle wrote:

 

Do you have Barclays? --Yes

Which Product? --Barclaycard Arrival World MC (AF)

How long have you had it?--not here yet

Recon or Instant?--instant

Has you account been CLD'd--not yet

How many new accounts at the time of app? -- 3 (BCE, Chase Sapphire, Discover It) two days prior

How many apps since?--None

Initial CL?-- $1500 with instant approval; $5000 after recon

CLIs? (how far apart, initiated by you; if so, recon? or auto?)--none yet

Spend habits (carry a balance?  PIF? churn points?)--PIF

Score?-- 736 TU from credit Karma


the minimum CL isnt 5k? 


maybe that $1500 was a fluke


I got the card yesterday, it's the platinum not World...I thought they would upgrade me to the world version after the CLI. I wasted an INQ for nothing, no 40,000 miles for me.

Gardening as of 9/6/13
Contributor
MazdaSpeed
Posts: 246
Registered: ‎04-09-2013

Re: Barclays Pattern? Wanna play?

The plat card doesn't get the bonus? Bummer, I was denied at first and reconned and got the 5k limit, I think the sign in says world mc, but I haven't gotten it in yet. So I'm not positive
BCE 17.1k (1/13 backdated to 1/11)_____CSP 5k (4/13)
Barclaycard Arrival 1k (4/13)______Capital1 Cash Rewards 2.5k (3/13)
Citi Dividend 1k (3/13)_________Discover IT 1k (3/13)
Chase Hyatt 500 (5/13)______Chase Freedom 5k (11/12)
TU 745 (2/26/14
Member
thepriceisright
Posts: 22
Registered: ‎04-12-2013

Re: Barclays Pattern? Wanna play?

Do you have Barclays? --Yes

Which Product? -- Barclaycard Financing Visa (From Apple store application)

How long have you had it?--Mid 2010

Recon or Instant?--instant

Has you account been CLD'd-- No, in fact I have received large annual increases, now up to $6300, no HP

How many new accounts at the time of app? -- None

How many apps since?-- 5, all approved, and two car loans

Initial CL?-- $1300 initial, now at $6300

CLIs? (how far apart, initiated by you; if so, recon? or auto?)-- Annual, $2200, $4300, $6300

Spend habits (carry a balance?  PIF? churn points?)-- Carry a promotional finance balance

Score?-- Mid 600s when approved, low 700s today according to MyFico

 

 

As a side note, I once made a large Apple purchase that didn't get the promotional financing applied, and I was still carrying a defered balance. I wasn't aware that the new purchase was devoid of a promotion, so when I worked out how much I needed to pay per month to pay everything off within the financing terms I ended up not paying off the defered balance in time because my payments were going to the interest bearing charge first. I noticed this after there was a $~300 interest charge. I called and they agreed to waive the finance charges if I PIFed the $700 balance.

Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: Barclays Pattern? Wanna play?

Do you have Barclays? --yep!
Which Product? --Travelocity American Express
How long have you had it? A year
Recon or Instant?--recon
Has you account been CLD'd--nope
How many new accounts at the time of app? Four in the six months leading up to, including a Wmt Discover upgrade
How many apps since?--four; chase,amex,discover, citi
Initial CL?-- $6500 after recon for approval.
CLIs? (how far apart, initiated by you; if so, recon? or auto?)--all requested clis denied. On 7th statement after reducing util on this account from 80% to 20%, received an auto cli from 6500-7700
Spend habits (carry a balance? PIF? churn points?)--use for bt offers; always carry a balance, usually in the 70-80% util range. I always keep overall util <15% though.
Score?-- 676 -HP on TU.

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
CreditCrusader
Posts: 799
Registered: ‎09-27-2011

Re: Barclays Pattern? Wanna play?



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? -- YES

Which Product? --Barclaycard Apple VISA

How long have you had it?-- since Nov 2011

Recon or Instant?-- RECON

Has you account been CLD'd-- NOPE

How many new accounts at the time of app? -- TOO MANY TO COUNT

How many apps since?-- 2

Initial CL?-- $1500

CLIs? (how far apart, initiated by you; if so, recon? or auto?)-- NOPE

Spend habits (carry a balance?  PIF? churn points?)-- VARIABLE

Score?-- 616...NO JOKE---HP on TU.

 


 

 

I'm Spartacus!

hr>Starting Score: EQ 546, EX 547, TU 580
Current Scores (lender): EQ 725 , EX FICO 720, TU 737 FICO scores>
Goal Score: 750
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Valued Member
tjrssibelle
Posts: 27
Registered: ‎04-04-2013

Re: Barclays Pattern? Wanna play?


MazdaSpeed wrote:
The plat card doesn't get the bonus? Bummer, I was denied at first and reconned and got the 5k limit, I think the sign in says world mc, but I haven't gotten it in yet. So I'm not positive

I decided to call today about the possibility of upgrading to the World version and the customer representative said that it all depened on my spending habits over the next few months, they usually review the card and consider upgrading after $25,000 have been spent and PIF every month for the previous year. He also told me that I am still eligible for the 40,000 miles sign on bonus even with the Platinum

Gardening as of 9/6/13
Contributor
MazdaSpeed
Posts: 246
Registered: ‎04-09-2013

Re: Barclays Pattern? Wanna play?

That's good, I thought you would still get the bonus, 25k, damn! If I get the plat in the mail theres no way I'll get to upgrade
BCE 17.1k (1/13 backdated to 1/11)_____CSP 5k (4/13)
Barclaycard Arrival 1k (4/13)______Capital1 Cash Rewards 2.5k (3/13)
Citi Dividend 1k (3/13)_________Discover IT 1k (3/13)
Chase Hyatt 500 (5/13)______Chase Freedom 5k (11/12)
TU 745 (2/26/14
Established Contributor
emptypockets
Posts: 960
Registered: ‎02-03-2009

Re: Barclays Pattern? Wanna play?

Do you have Barclays? --Yes

Which Product? -- US Airways MC, NFL Visa Siggy, also had Rewards MC, but closed it and combined limit with US Air card

How long have you had it?-- US Air, 2009, NFL Visa since 9/12

Recon or Instant?--US Air; NFL -sent to underwriter for review, because I already had 2 accounts with them at the time

Has you account been CLD'd-- No

How many new accounts at the time of app? -- None with US Air, Had 6 new accounts in prev 6 months when approved for NFL card

How many apps since?-- 0

Initial CL?-- US Air $ 4000, NFL Visa $5k

CLIs? (how far apart, initiated by you; if so, recon? or auto?)-- Yes, US Air one Auto CLI, then combined with Reward card limit now 7250. NFL Visa got increase by using offer with BT check for 3k, to get limit to $8k, no hard pull. 

Spend habits (carry a balance?  PIF? churn points?)-- US Air, usually paid in full. NFL Visa currently carrying a promotional finance balance

Score?-- 703 when approved for US Air, Approx 760 when approved for NFL Visa


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Nordstrom Visa,US Bank Cash+, Chase (5), Huntington Voice, UMB Visa, Dillard's AMEX, Barclay's Visa, Citi (4), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, Macy's AMEX; Several store cards.

Current Scores: EQ (6/14): 800; TU MyFico (6/14): 814; Walmart TU Fico 08 (7/8/2014): 814; EX (6/14): 775

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