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Recon with barclays about initial CL

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red259
Super Contributor

Recon with barclays about initial CL

Just curious about my new barclays arrival+. I got an instant approval of 7.5k. What is involved with a barclays recon re: credit limit? Do they do a new HP? Are they overally invasive? Is it usually successful? For people have done it how much have they increased their credit line? I'm just wondering because I may want to carry a balance on the barclays card to take advantage of the 0% APR for 12 months and a higher credit line will lower the util on that card. 

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 1 of 6
5 REPLIES 5
Mantis350
Regular Contributor

Re: Recon with barclays about initial CL

Thats exactly what I did.  Mine was an initial denial and then I called and they gave me $4000.  I told them I wanted to take advantage of the BT offer and they gave me $6000 to cover the BT wit ha little padding.  Just call.  No extra hard pull but they WILL question your file.  Be prepared to answer some questions Smiley Happy

PenFed Rewards Visa Sig-$14,000 | BofA Plat Visa-$12,500 | Discover IT-$11,000 | NASA-$7,500 | WF Cash Rewards Visa-$6,800 | BofA Cash Rewards Visa Sig-$6,500 | Barclay Rewards MC-$6,000 | Cap1 QS Visa Sig-$5,750 | Citi DC-$5,500 | Cap1 Venture 1-$4,500 | Cap1 QS-$3,400 | Chase Freedom-$3,400 | AMEX BCE-$2,000 | Lowes-$15,000 | Home Depot-$5,000
|Current Score(2/19/2016)|| 709 EQ || 734 TU || 729 EXP ||
Message 2 of 6
red259
Super Contributor

Re: Recon with barclays about initial CL


@Mantis350 wrote:

Thats exactly what I did.  Mine was an initial denial and then I called and they gave me $4000.  I told them I wanted to take advantage of the BT offer and they gave me $6000 to cover the BT wit ha little padding.  Just call.  No extra hard pull but they WILL question your file.  Be prepared to answer some questions Smiley Happy


Yea, I am just a bit nervous because I added three accounts right after I got approved by them. 

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 3 of 6
gdale6
Moderator Emeritus

Re: Recon with barclays about initial CL

The recon of the limit will be another HP, all customer initiated CLIs are HPs.

Message 4 of 6
red259
Super Contributor

Re: Recon with barclays about initial CL


@gdale6 wrote:

The recon of the limit will be another HP, all customer initiated CLIs are HPs.


Even on a new account? Other people are saying no. 

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 5 of 6
Anonymous
Not applicable

Re: Recon with barclays about initial CL

I got approved for Sallie Mae last week for $12,500 online
I called and asked for recon on the CL
They raised it to 19k without HP

Message 6 of 6
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