What is Barclay's CLI policy

[sjt]

Thanks everyone for all your posts. This is really helpful.

[Anonymous]

I had posted my own thread about this. Long story short, I called in for the APR decrease the other week at 5 months and got it. They then told me I'm eligible for a CLI increase and I got that as well. No hard pull. Seems 5-6 months is the right amount of time.

[pt91978]

The APR reduction method will not work if you are in the 0% apr intro, correct?  Because I called at 6 months, and again at 8 months, denied both times, told me that they could not reduce my APR because I was still in the 0% intro promotion.

[Chris679]

I think you answered your own question

[grillandwinemaster]

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@pt91978 wrote:

The APR reduction method will not work if you are in the 0% apr intro, correct?  Because I called at 6 months, and again at 8 months, denied both times, told me that they could not reduce my APR because I was still in the 0% intro promotion.

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If they reduced you any further, you would go into negative apr, which means THEY would owe YOU money for the honor and privilege of using THERE card! Lol

[redpat]

From what I hear, they give you a CLI, you use it and then thay give you a CLD for more than they gave you a CLI. 

Oops, sorry didn't see creditcontractor post.