03-16-2009 04:50 PM
Well, some good news from Barclay's/Juniper. They reversed my CLD and gave me my original line back!
A little history: Last April, I applied for one of their promos (USAirways visa), and was approved for a $3k CL. During the anti-Jumani last December, I got hit for a CLD all the way down to $500. Yes, $500, like an 18 year old in college gets.
Their reasoning? "We've adjusted your CL to reflect your spending".
So, yesterday I decided to push the envelope on this. I called and the CSR gives me the same old line....denied for a CLI, you will get a letter in the mail, blah blah blah.
I then asked for a supervisor and told her that I have never been late, the $500 CL was what a college student gets, I can't use more than $50 or I would adversely affect my credit score, etc. etc.
I really didn't get her attention too much until I said that I had a $3k limit before and was just looking to get the $500 increased so I could use this card more.....
She agreed and said "Oh, now I see. You had a $3k limit before....ok, I changed it back, so you should be all set".
I said "Thank you for the excellent customer service" and that was that. Checked my card online a few hours later and the $3k CL was back!!
So, ask for a supervisor, be nice, give them reasons to reinstate your old CL, or at least part of it.
03-17-2009 02:19 PM
03-17-2009 02:45 PM
03-17-2009 02:58 PM
Wow. I agree this may be an isolated incident. They just rate jacked me but I only have a $300 limit so I can't even carry a balance anyway. All this will 700 scores. And they wonder why I don't use their card.
Yeah that is ridiculous. I mean with a CL that low, any usage practically makes your util a nightmare. I can't believe they pull this crap and expect things to get better when they are sabotaging the people can get them out of it. Oh well, their loss how I see it. I have taken the approach of, you screw with me, I will sockdrawer your card and use the ones that treat me right. I have plenty of credit to go around and will not put up with crap like this. Hell I will go back to using cash before I put up with this. Unfortunately not everyone has that option, which sucks.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.