The Official "What will Barclay's do" thread

[LS2982]

Yes, my 6 month anniversary is coming up in 5 days. Let me give you a little snapshot of my credit profile of the past 6 months before I give the choices:

-I have opened 4 new accounts other than Barclay's (AMEX, Discover, GE Lowes, GE Amazon)

-I currently have a 13% overall util.

-Out of 6 statements, 4 have been PIF.

-I will carry a $180 balance on this statement

-Current CL is $1,000

The question is, What will Barclays do????

A.) A CLI.

B.) AA of some sort.

C.) Nothing.

Everybody cast a vote and we'll tally it up and when the decision comes down i'll post it!!

[OhioCPA]

I vote D) Send your June statement.

[pizzadude]

We need more information in order to make an educated guess.

What ( if any ) derogatory or negative information is showing on your TU report ?

[LS2982]

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@OhioCPA wrote:

I vote D) Send your June statement.

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This would fall under the "Nothing" category.

[LS2982]

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@pizzadude wrote:

We need more information in order to make an educated guess.

What ( if any ) derogatory or negative information is showing on your TU report ?

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I have a paid Tax lien from 2006 showing, and 3 30 day lates from a PIF auto loan, most recent Oct. 2010. (The lates were present when i got the card, but the Tax Lien was not and just recently popped back up)

[Ron1]

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@LS2982 wrote:

Yes, my 6 month anniversary is coming up in 5 days. Let me give you a little snapshot of my credit profile of the past 6 months before I give the choices:

-I have opened 4 new accounts other than Barclay's (AMEX, Discover, GE Lowes, GE Amazon)

-I currently have a 13% overall util.

-Out of 6 statements, 4 have been PIF.

-I will carry a $180 balance on this statement

-Current CL is $1,000

The question is, What will Barclays do????

A.) A CLI.

B.) AA of some sort.

C.) Nothing.

Everybody cast a vote and we'll tally it up and when the decision comes down i'll post it!!

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B. 

It is because they don't like people carrying any balance and opened too many accounts within six months. I have Travelocity Amex for almost nine months and I didn't carry balance. I use it  at Costco and other places.  I opened a  lot of accounts last year and this years.  They gave me a CLI last month without asking.   I keep my CC utilization at 1%. If they want to close it, I will let them.  I wouldn't worry about if I were you.  If they want to close your account, there is nothing you can do.

Ron.

[MsLadyRover]

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@OhioCPA wrote:

I vote D) Send your June statement.

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HA HA HA HA HA!!

[MsLadyRover]

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@LS2982 wrote:

Yes, my 6 month anniversary is coming up in 5 days. Let me give you a little snapshot of my credit profile of the past 6 months before I give the choices:

-I have opened 4 new accounts other than Barclay's (AMEX, Discover, GE Lowes, GE Amazon)

-I currently have a 13% overall util.

-Out of 6 statements, 4 have been PIF.

-I will carry a $180 balance on this statement

-Current CL is $1,000

The question is, What will Barclays do????

A.) A CLI.

B.) AA of some sort.

C.) Nothing.

Everybody cast a vote and we'll tally it up and when the decision comes down i'll post it!!

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I'm going to cross my fingers for you and say A. 

[pizzadude]

I vote for (C) Nothing.

Pretty sure that they already know about your new accounts and the lien, so this will likely skew you away from getting an Auto CLI.

I think with most creditors the "6 month" event is really a non~event.   I doubt that they will be doing anything for you.....but don't rock the boat by calling in and asking for a CLI if you don't get one automatically.

[LS2982]

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@Ron1 wrote:

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@LS2982 wrote:

Yes, my 6 month anniversary is coming up in 5 days. Let me give you a little snapshot of my credit profile of the past 6 months before I give the choices:

-I have opened 4 new accounts other than Barclay's (AMEX, Discover, GE Lowes, GE Amazon)

-I currently have a 13% overall util.

-Out of 6 statements, 4 have been PIF.

-I will carry a $180 balance on this statement

-Current CL is $1,000

The question is, What will Barclays do????

A.) A CLI.

B.) AA of some sort.

C.) Nothing.

Everybody cast a vote and we'll tally it up and when the decision comes down i'll post it!!

---

B. 

It is because they don't like people carrying any balance and opened too many accounts within six months. I have Travelocity Amex for almost nine months and I didn't carry balance. I use it  at Costco and other places.  I opened a  lot of accounts last year and this years.  They gave me a CLI last month without asking.   I keep my CC utilization at 1%. If they want to close it, I will let them.  I wouldn't worry about if I were you.  If they want to close your account, there is nothing you can do.

Ron.

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Honestly, if they close it, it is what it is. I've done my responsible part with the card. I hate the fact i'm not getting rewards with it. The only thing that bothers me is I would have no Visa in my name.