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Valued Member
Posts: 73
Registered: ‎03-25-2010
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Re: Best Strategy for New Barclays Card Auto CLI within 6 Months

Good luck!  keep us updated.

Personal: Macys(300), Amazon Rewards Visa(500), Barclay NFL(1250), Havertys(2000), NFCU Sig(14,000), NFCU Go Rewards(14,000)

Business: Cap One Sparks(1500)
Established Member
Posts: 28
Registered: ‎05-27-2009
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Re: Best Strategy for New Barclays Card Auto CLI within 6 Months

[ Edited ]

@johnstics, I definitely will for sure. I will append this thread around March or April of 2014.  If I forget just replay to this thread and it goes straight to my email as an alert. Thanks.




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Regular Contributor
Posts: 200
Registered: ‎10-05-2013
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Re: Barclays CLI first six months usage and payment strategy for increase?

thats what i did, went from a 500 starting to 2000 after 6 months with about the same score as yours.

Established Member
Posts: 28
Registered: ‎05-27-2009
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Re: Barclays CLI first six months usage and payment strategy for increase?

[ Edited ]

@wagsk1 Great!! Thats reassuring news, for sure :smileyvery-happy:




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Senior Contributor
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Registered: ‎08-16-2012
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Re: Best Strategy for New Barclays Card Auto CLI within 6 Months

I started with a $6500 cl. Used it for $4900 worth of bts, paid it down to $2200 by 7th statement and got an auto cli of 1200 to 7700. So it appears the high balance/high pmt ratio got me a good cli :-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Member
Posts: 28
Registered: ‎05-27-2009
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Re: Best Strategy for New Barclays Card Auto CLI within 6 Months

[ Edited ]

@B335is, I have become a bit obsessive compulsive  about my credit now that I plan to use it to my advantage within the upcomming years for a mortgage and lease. I live in Philly and apartments in center city tend to focus so much on good credit that they are willing to maintain an irresponsible amount of vacancies for the sake of a "perfect" applicant. It's an absurd real estate racket.




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700

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Posts: 26,781
Registered: ‎02-07-2013
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Re: Best Strategy for New Barclays Card Auto CLI within 6 Months

Here's some nice reading that will answer all your question 

http://ficoforums.myfico.com/t5/Credit-Cards/Barclay-CC-let-s-put-our-heads-together/m-p/2297693#M64...



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Established Member
Posts: 28
Registered: ‎05-27-2009
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Re: Best Strategy for New Barclays Card Auto CLI within 6 Months

@myjourney, Awesome!! Will read!:smileyhappy:




EQ: 685 TU: TBD
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700

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Community Leader
Senior Contributor
Posts: 26,781
Registered: ‎02-07-2013
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Re: Best Strategy for New Barclays Card Auto CLI within 6 Months


10243406 wrote:

@myjourney, Awesome!! Will read!:smileyhappy:


What we found was a lot of patterns as to who they gave auto luv too

Good luck :smileyhappy:



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Established Member
Posts: 28
Registered: ‎05-27-2009
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Re: Best Strategy for New Barclays Card Auto CLI within 6 Months

[ Edited ]

In the end, I don't think I will ever go over 20% ( Current is 1%) in terms of utilization. I have spent my life maxing out cards and paying them in full which didn't help my credit score at all. Ever since I stuck with the <7% route, with an AAoA of at least 7rs, my credit has been jumping through the roof and I like to keep it that way. 




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700

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