topic Re: Barclay CLI in Credit Card Approvals

Barclay CLI

Anonymous — Wed, 11 Feb 2015 03:56:31 GMT

Hello Everyone,

I have the Barclay Visa Apple Finance card. I was approved Jan 2014 with a 2k limit, auto CLI in August to 4k, then today (Feb 2015) received another auto CLI to 5k. I was already planning on to dive head first and take the HP for a customer initiated CLI. With this auto CLI now, does it mean I have no chance of getting a customer initiated CLI?

Anyone have any experiences they can share?

Thank you all for your input.

Re: Barclay CLI

Anonymous — Wed, 11 Feb 2015 04:04:38 GMT

Probably not dude. Regardless, I would probably hang on to that HP or use it somewhere more helpful rather than using it on a card where you've had really good CLI history so far.

Re: Barclay CLI

Anonymous — Wed, 11 Feb 2015 04:09:36 GMT

I guess your right. I guess it is a pretty good CLI history. Sometimes I get caught up in wanting to increase my limits too fast.

Re: Barclay CLI

Anonymous — Wed, 11 Feb 2015 04:26:05 GMT

@Anonymous wrote:
I guess your right. I guess it is a pretty good CLI history. Sometimes I get caught up in wanting to increase my limits too fast.

Seems like you've been developing a good history with Barclays. That's good because it really counts when you want other cards from them. Maybe you can use your HP to get another card? Assuming your TU profile is good and clean that is. They have a pretty dope line-up especially with the Sallie Mae card (5% cashback on gas, groceries, and Amazon year round) and the Arrival+.

Re: Barclay CLI

Anonymous — Wed, 11 Feb 2015 05:15:44 GMT

I have that card too were you making more than the min payments or just the min on what you bought! i was approved for 3.5k but i want more

Re: Barclay CLI

traveler2005 — Wed, 11 Feb 2015 05:24:22 GMT

@Anonymous wrote:
I have that card too were you making more than the min payments or just the min on what you bought! i was approved for 3.5k but i want more

my limit was 1300 for 2.5 years, called about 2 weeks and explained that I wanted to purchase a macbook pro, which ran about 2000, I wanted to get the 0% financing. I also explained that I needed an increased large enough that when I purchased the computer in wouldn't make my card look like I was maxed out. I asked for 5000 and I got 5000. I also purchased my macbook pro for about 1700, 0 % interest.

They did ask me how big my payments were going to be, I said I though it would be paid off in 6 months, she said that I would have 18 months, I still plan on paying off 250 - 300 per month. Once paid in full, I want to move my credit line over to my salle mae.

Re: Barclay CLI

Anonymous — Wed, 11 Feb 2015 05:31:13 GMT

@traveler2005 wrote:
@Anonymous wrote:
I have that card too were you making more than the min payments or just the min on what you bought! i was approved for 3.5k but i want more
my limit was 1300 for 2.5 years, called about 2 weeks and explained that I wanted to purchase a macbook pro, which ran about 2000, I wanted to get the 0% financing. I also explained that I needed an increased large enough that when I purchased the computer in wouldn't make my card look like I was maxed out. I asked for 5000 and I got 5000. I also purchased my macbook pro for about 1700, 0 % interest.

They did ask me how big my payments were going to be, I said I though it would be paid off in 6 months, she said that I would have 18 months, I still plan on paying off 250 - 300 per month. Once paid in full, I want to move my credit line over to my salle mae.

Thanks good to know! we will mid year how barclays treats me

Re: Barclay CLI

Anonymous — Wed, 11 Feb 2015 06:00:54 GMT

Yeah. My TU has a score of 751 (according to Cap1) and a 714 according to Barclays but that was from Jan it hasnt updated yet this month. My TU only has 3 inq, I was not sure if I wanted anymore cards from them as I have read mixed reviews. Which do you think is better the Arrival+ or Sallie Mae?

Re: Barclay CLI

Anonymous — Wed, 11 Feb 2015 06:04:14 GMT

I started by maxing it out... (this was before I started focusing on how o improve my scores). I purchased my mac and then was making $50 payments and occasionally would send a few hundred. I have been carrying a balance since I had the card as paid down the macbook. I have also made some purchases here and there... currently have a balance of $680 left to payoff.

Re: Barclay CLI

takeshi74 — Wed, 11 Feb 2015 13:37:59 GMT

@Anonymous wrote:
Which do you think is better the Arrival+ or Sallie Mae?

Better's always highly subjective regardless of topic. Better depends on whichever suits you best. They're very different cards. The rewards and benefits or each are outlined on the site. Do you have specific questions?

Re: Barclay CLI

Anonymous — Wed, 11 Feb 2015 16:03:05 GMT

Thanks for the update

Re: Barclay CLI

Anonymous — Thu, 12 Feb 2015 00:30:15 GMT

Congratulations!

Re: Barclay CLI

gdale6 — Thu, 12 Feb 2015 00:50:38 GMT

Grats on your Barclay luv

Re: Barclay CLI

uswala — Thu, 12 Feb 2015 01:02:05 GMT

Congrats!

Re: Barclay CLI

b_diddy — Thu, 12 Feb 2015 01:34:16 GMT

Congrats on the Barclay CLI!

Re: Barclay CLI

cem13 — Mon, 16 Mar 2015 15:12:43 GMT

I sent a PM for a SP CLI. I was told to call 866-483-3735. I spoke to Jason in Nevada. I asked for a SP CLI and he told me a CLI would be a HP because there were no CLI offers on my account. Barclay is stingy.