topic Re: BARCLAY CLI in Credit Card Approvals

BARCLAY CLI

Anonymous — Wed, 12 Dec 2012 19:58:35 GMT

Barclay gave me automatic increase of $700, from 2500 to 3,200 limit now. I can't believe they increased my limit after having 1,700 balance on the card!

Barclay is the best!!

Now Im thinking to ask BofA for an increase. Ive had the card since 2010 with $600 limit only, Do I have a chance of getting approved?

Also out mortgage is now showing on my report, will that mess up my request?

Is it a good thing to have mortgage on my report or a bad thing when asking for increase or opening a new card?

Re: BARCLAY CLI

Anonymous — Wed, 12 Dec 2012 20:05:11 GMT

I would think a good thing. it's another TL and a stable one at that! our mortgage closes next week and we are going furniture and appliance shopping the day after. On GEMB's dime....they don't know that yet....lol

Re: BARCLAY CLI

Anonymous — Wed, 12 Dec 2012 20:10:34 GMT

thanks!!

Should I ask BofA for an increase or Barclay for more increase? but they just gave me an automatic increase a week ago. I dont know if they will approved me for more or not. I got a pre approved letter from discover and im also thinking of opening a card with them,

I need more credit badly cause I need to buy a plane ticket to visit family this christmas.

Should I go for BofA or barclay? Forget about CapOne they will never give increase unless they feel like it. lol

Re: BARCLAY CLI

jsickz32 — Wed, 12 Dec 2012 20:11:52 GMT

Congrats on the cli! This 21 my apple card turns 1 year old so im expecting a cli and if not ill be asking for one on the 23

Re: BARCLAY CLI

Anonymous — Wed, 12 Dec 2012 20:14:59 GMT

thanks! theyre very good with increase. I did not expect that they will give me another $700 knowing i have 1700 balance on a 2500 limit card. Could not be any happier!

how much is your limit on your APPLE? I wanna apply for an apple card but i dont know if i should just ask for more increase instead of opening a new account

Re: BARCLAY CLI

jsickz32 — Wed, 12 Dec 2012 20:21:09 GMT

My apple card is at 2.3k at the moment. It started at 1300 and i asked for a cli of 1k at my 6th month and got it.

Re: BARCLAY CLI

Anonymous — Wed, 12 Dec 2012 20:24:30 GMT

nice! so all your request was hard pull right? did u ask online or the phone with barclay?

Re: BARCLAY CLI

aplast — Wed, 12 Dec 2012 20:24:41 GMT

@Anonymous wrote:
I would think a good thing. it's another TL and a stable one at that! our mortgage closes next week and we are going furniture and appliance shopping the day after. On GEMB's dime....they don't know that yet....lol

HAHA!!! Very nice. This made my afternoon.

OP Congrats on the CLI from Barclay! I got one recently as well. All the CSRs that Ive talked with have been top notch.

Re: BARCLAY CLI

jsickz32 — Wed, 12 Dec 2012 20:28:18 GMT

No it wasnt. I only have one HP from barclay and its from 11/11 from when it was open

Re: BARCLAY CLI

Anonymous — Wed, 12 Dec 2012 20:41:41 GMT

really? no HP?

when u ask for increase was it on the phone or online?

Re: BARCLAY CLI

aplast — Wed, 12 Dec 2012 20:51:06 GMT

@Anonymous wrote:
really? no HP?
when u ask for increase was it on the phone or online?

I called the backdoor number for mine. It was indeed a SP.

Re: BARCLAY CLI

jsickz32 — Wed, 12 Dec 2012 20:52:30 GMT

Online. It was weird because i was denied for the cli and about 30 mins later i got a called from a barclays telling me my cli was approved and my new cl was 2300. I told her that i thought it was denied because thats what it said and she just said no. Lol

Re: BARCLAY CLI

Anonymous — Wed, 12 Dec 2012 20:59:24 GMT

do not reuqest bank of america with the platinum..i Had it for 3 years and they always declined my requests..they also always do hard pulls unlike other banks..they also dont do reviews and only increase limits upon request..You should do what I did the other day and switch to the cash rewards or power rewards for no fee and no pull..then you can ask..it takes 2-4 weeks to get the card but that platinum has like an invisible celing that they just dont let you go above(mine started at 700 and im still there)

Ive used their checking for over 4 years and they gave me my first credit card so I like them alot but over time Ive learned that their just not credit friendly and there not very giving as far as limits are concerned.

Re: BARCLAY CLI

Anonymous — Wed, 12 Dec 2012 21:02:25 GMT

@aplast wrote:
@Anonymous wrote:
really? no HP?
when u ask for increase was it on the phone or online?
I called the backdoor number for mine. It was indeed a SP.

really? was this recently? when you call the backdoor?

Re: BARCLAY CLI

aplast — Wed, 12 Dec 2012 21:28:30 GMT

@Anonymous wrote:
@aplast wrote:
@Anonymous wrote:
really? no HP?
when u ask for increase was it on the phone or online?
I called the backdoor number for mine. It was indeed a SP.
@aplast wrote:
@Anonymous wrote:
really? no HP?
when u ask for increase was it on the phone or online?
I called the backdoor number for mine. It was indeed a SP.
really? was this recently? when you call the backdoor?

about 3 weeks ago. my limit was 1000 and they asked me how much I was looking for. I thought I would be conservative and ask for a total of 2500. The rep told me he would look at the CR I had on file when I got the card, and said great we can sure do that, and wished me well. It may be a YMMV situation..