topic Re: Barclays CLI! in Credit Card Approvals

Barclays CLI!

spengbab — Fri, 17 Aug 2012 23:55:42 GMT

I have their Apple Financing card.

They gave me a nice bump from $1400 to $2100. Then a few hours later they send me an email saying they are offering me the apple promo again.

Silly Barclays I don't fall for that trap so easily... but it is very tempting.

I've reached the 7 month mark with them and before I got my mac last month I was PIF (charging around 300-400 a month), some heavy util on my cards and something like 6 inquiries... I've gotten 4 cards since I opened my Barclays. Looks like they like me paying my bills on time

Now my goal is to get around 10% util and get their Barclaycard Ring...

Re: Barclays CLI!

youngandcreditwrthy — Sat, 18 Aug 2012 03:03:01 GMT

Hmmm that's awesome! I always hear that they are inquiry/new account sensitive, but as you said...as long as we pay our bills, maybe it doesn't matter so much!:-) I've opened like two accounts since I got my Travelocity Amex and have been a little concerned about AA. Hoping for a CLI at the six month mark!:-)

Re: Barclays CLI!

spengbab — Sat, 18 Aug 2012 07:01:29 GMT

I think as long as you can show you have the ability to pay you are fine. I had that, and I finished my car loan (which had 1x 30 day late on it) so maybe they see me less of a risk now I will definitely use all of this credit and move it towards the ring though...

Re: Barclays CLI!

LS2982 — Sat, 18 Aug 2012 10:24:57 GMT

CONGRATS!!!

I think their AA on new accounts is a little overblown, there has to be other factors (high util, baddies, etc) along with new accounts to spook them.

Re: Barclays CLI!

Anonymous — Wed, 05 Sep 2012 12:25:52 GMT

Congrats on the increase. They bumped me up to $1680 from $1300 today. I'm happy with that. I didn't expect them to give me anything to be honest.

Re: Barclays CLI!

Anonymous — Thu, 06 Sep 2012 03:58:14 GMT

I was approved for $1300.00. Called about a week after receiving the card and asked if they could bump me up a little. They moved me up to $2k.

Re: Barclays CLI!

ccb2115 — Thu, 06 Sep 2012 10:55:05 GMT

Congrats! At the beginning of last month, I reiceved an auto bump from 500 to 1,200. I called back yesterday to see if they could match my last Discover CL (It's 5k now, but still reporting as 3k). They bumped me from 1,200 to 3,000 with a HP. I don't mind though.

Re: Barclays CLI!

welchw1971 — Wed, 17 Oct 2012 02:57:26 GMT

Just logged in to check my balance and noticed a cli from 1200 to 2400. Exactly 6 mos from account opening!!! Loving Barclays atm.

Re: Barclays CLI!

Epcot — Wed, 17 Oct 2012 02:59:03 GMT

Welcome to the forums welchw1971! Congrats on the CLI.

Re: Barclays CLI!

youngandcreditwrthy — Wed, 17 Oct 2012 05:50:45 GMT

Nice!!!! They denied my cli after my sixth statement... But offered me 3.99% til 07/13 lol.. They are silly!!!

Re: Barclays CLI!

Anonymous — Wed, 17 Oct 2012 14:03:51 GMT

Congrats

Re: Barclays CLI!

masscredit — Wed, 17 Oct 2012 14:33:14 GMT

So are they more of an every 6 months card instead of 3-4 when it comes to CLIs?

Re: Barclays CLI!

welchw1971 — Wed, 24 Oct 2012 23:14:52 GMT

Looks like every 6 mos. Barclays is excellent to deal with. Wish Cap One would get on board and take care of those of us who are rebuilding.

Re: Barclays CLI!

Anonymous — Tue, 27 Nov 2012 00:19:41 GMT

I was approved yesterday online for a Barclay's Reward Mastercard for $500. Called today spoke to a Credit Analyst and they raised me to $2500.

Re: Barclays CLI!

Repo-ed — Tue, 27 Nov 2012 00:40:21 GMT

they haven't softed me yet, and dec. marks 6mo. since opening them.

Re: Barclays CLI!

Tristate — Wed, 28 Nov 2012 02:10:40 GMT

@Anonymous wrote:
I was approved yesterday online for a Barclay's Reward Mastercard for $500. Called today spoke to a Credit Analyst and they raised me to $2500.

Congrats ! Do you mind to share what your score is ? Any baddies ? Other cards ?

I'm planning to apply for their MC soon and gauging my chances. Thank you in advance !

Re: Barclays CLI!

Anonymous — Wed, 28 Nov 2012 19:30:42 GMT

They use TU and my score that I pulled was 707. I had about 1.5 - 2yrs some late payment and I settled 2 accounts for less than the balance owed. I was even late with Barclay's 3-4 times 2 years ago and they closed my account. Some how I got back in with 0% for six months!

Re: Barclays CLI!

Tristate — Wed, 28 Nov 2012 21:36:01 GMT

@Anonymous wrote:
They use TU and my score that I pulled was 707. I had about 1.5 - 2yrs some late payment and I settled 2 accounts for less than the balance owed. I was even late with Barclay's 3-4 times 2 years ago and they closed my account. Some how I got back in with 0% for six months!

Thanks for the info ! This gives some hope for me too.

Barclay Rewards Mastercard CLI - my experience

Anonymous — Wed, 27 Mar 2013 02:06:55 GMT

Called the backdoor number today and they did a hard pull. The rep comes back on the line, acknowledges that I've always paid in full on all my cards, never run a balance, but said in a blatently accusatory tone, that she'd like to know why I have so many cards. I almost said, you already know when I got my cards because I check my report all the time and Barclays does a soft pull every month. But instead I said that I've got about 6 bank cards and 6 department store cards, a pretty healthy mix, untlization well below 30% always on time, never late. She says, well I feel your credit line (still the $500 I started with 7 statements ago) is commensurate with the lines on your other cards. I said no, my other cards are three times or more my Barclay line, to which there was a long pause and she finally said, well that's commensurate with your credit line with us. I then said no, three or more times my $500 line with Barclays is not the same as a $500 line with Barclays nor is it commensurate. She then says "my advice is not to apply for any more cards right now." I told her I didn't call for advice, or to apply for a card, I called to ask if I was eligible for a CLI. She then says, I feel your line with us is sufficient, thank you for calling Barclays.

So what you read about getting other cards while a Barclay cardholder is very true as this was her first and immediate question, and in tone, it was more accusation than question. I pretty much expect to find my Barclays account closed any day now, despite my perfect payment history, and if they don't close it, I will, after I've had it for a year. I expect this kind of nonsense from Cap One. Seems I should have expected it from Barclays.

Re: Barclay Rewards Mastercard CLI - my experience

Rhaeny — Wed, 27 Mar 2013 02:40:33 GMT

@Anonymous wrote:
Called the backdoor number today and they did a hard pull. The rep comes back on the line, acknowledges that I've always paid in full on all my cards, never run a balance, but said in a blatently accusatory tone, that she'd like to know why I have so many cards. I almost said, you already know when I got my cards because I check my report all the time and Barclays does a soft pull every month. But instead I said that I've got about 6 bank cards and 6 department store cards, a pretty healthy mix, untlization well below 30% always on time, never late. She says, well I feel your credit line (still the $500 I started with 7 statements ago) is commensurate with the lines on your other cards. I said no, my other cards are three times or more my Barclay line, to which there was a long pause and she finally said, well that's commensurate with your credit line with us. I then said no, three or more times my $500 line with Barclays is not the same as a $500 line with Barclays nor is it commensurate. She then says "my advice is not to apply for any more cards right now." I told her I didn't call for advice, or to apply for a card, I called to ask if I was eligible for a CLI. She then says, I feel your line with us is sufficient, thank you for calling Barclays.

So what you read about getting other cards while a Barclay cardholder is very true as this was her first and immediate question, and in tone, it was more accusation than question. I pretty much expect to find my Barclays account closed any day now, despite my perfect payment history, and if they don't close it, I will, after I've had it for a year. I expect this kind of nonsense from Cap One. Seems I should have expected it from Barclays.

Sounds like customer service is YMMV with Barclays. I called them for the first time (had the card 6 months) a few weeks ago to do a PC and they were the most respectful and nice bunch of people I've talked to. But I have read here many times that people have ran into Broom Hilda on the other end of the phone with Barclays. They really need to do something about that.

Now if I were you, I'd call back a few times until I got someone who will help you. If I had not called back on a couple of recons that I had (becasue I too got ahold of Broom Hilda a few times) I wouldn't have what I have. So try that if you're up to it, but really what have you got to lose but time right?