topic Re: Barclay and CLIs in Credit Card Applications

Barclay and CLIs

Anonymous — Sat, 14 Feb 2015 19:30:32 GMT

I know theres been discussion on Barclay around here and what they do and do not like etc.

So I thought I'd share some of my experience with them over the last year.

I opened my Rewards Card in Novemeber of 2013.

Starting Cl was 1300. In Feb of 2014, (3 months old) it got a CLI to $2000.

For the most part, especially the 1st 6 months, I let it post at less than 10% then paid it off in full. But used the card alot.

I made 1 BT to the card and paid it off. Then nearly maxed the card out, paying down slowly over the last 5 months. (Yes, letting them charge interest) But just paid it back to 0 a couple weeks ago and its been sitting at 0 last couple weeks.

Today my statement cut. Log in to find a $4000 limit. Yep, a x2 CLI.

So, Im not sure what exactly they look for, but perhaps some of you guys that are more knowledgeable can figure out something based on that useage habit.

Re: Barclay and CLIs

sunkissed — Sun, 15 Feb 2015 00:46:55 GMT

Congrats on growing your Barclay Rewards card!

& thanks a bunch for sharing your experience. I'm a brand new Barclay cardholder (US Airways opened Dec 2014), so I've been following other's experiences to get a sense of what to expect.

Re: Barclay and CLIs

Anonymous — Sun, 15 Feb 2015 05:17:17 GMT

Ive had mine since October 2014 and have not had any credit line increases. i did a bt and have been using the card heavily and making large payments but so far nothing.

Re: Barclay and CLIs

Anonymous — Sun, 15 Feb 2015 18:35:10 GMT

Used mine pretty heavy as well.

I can't figure them out TBH. But Mine was at 3 months and then again at 1 year later.

1 other thing that may be useful for some.

Typically, my statements cut on the 15th of every month.

But when I got a CLIs, the statements appeared to have closed early (the mortning of the 14th) witha CLI already applied.

Not sure why, but thats whats happened to me thus far with them.

So I think, if you are going to get a Auto CLi with Barclay, it'll be the day before or day of statement close.