topic Re: Barclaycard Rewards Card in Credit Cards

Re: Barclaycard Rewards Card

cem13 — Wed, 15 Apr 2015 03:06:09 GMT

Question for the board: I recieved a Barclays Apple Card in 2012 exactly one year after BK7 D/C for $2k SL. I have not asked for a CLI yet.

Does anyone know if it is a SP for a CLI? I think its time for Barclays to "Up Their Game" I appreciated the $2K SL so close to my D/C but now that I am in with NFCU for $25K, the $2K needs to grow with me. Maybe I am being greedy but in the words of my hero Gordon Gecko: "Greed....is good"

Re: Barclaycard Rewards Card

Anonymous — Wed, 15 Apr 2015 03:51:07 GMT

If I do recall correctly from previous reading, Barclays is almost certainly going to be a HP unless they give you and auto CLI.

Re: Barclaycard Rewards Card

Anonymous — Wed, 15 Apr 2015 03:51:57 GMT

So are you asking for the Barclay Rewards Mastercard of the Apple Rewards Card by Barclay? I asked for a CLI on the former 2 weeks ago and got a HP. Ended up with a 50% CLI... No idea if the Apple works differently as it's a co-branded card.

Re: Barclaycard Rewards Card

gdale6 — Wed, 15 Apr 2015 04:00:14 GMT

You might call the backdoor and get the retention dept and see if there is a SP cli available

Re: Barclaycard Rewards Card

Anonymous — Wed, 15 Apr 2015 04:02:51 GMT

@gdale6 wrote:
You might call the backdoor and get the retention dept and see if there is a SP cli available

I just did this a few days ago on my Sallie Mae MC and got a $500 CLI. Got my APR reduced by 4 points, too. All with a SP.

Re: Barclaycard Rewards Card

Cookie2120987 — Wed, 15 Apr 2015 07:24:00 GMT

@gdale6 wrote:
You might call the backdoor and get the retention dept and see if there is a SP cli available

This, if you haven't had a auto CLI tha this is your bet without the hard pull, out of all the threads I've read almost all of them are hard pulls with Barclays.

Re: Barclaycard Rewards Card

fedxboy — Wed, 15 Apr 2015 10:33:59 GMT

@cem13 wrote:
Question for the board: I recieved a Barclays Apple Card in 2012 exactly one year after BK7 D/C for $2k SL. I have not asked for a CLI yet.

Does anyone know if it is a SP for a CLI? I think its time for Barclays to "Up Their Game" I appreciated the $2K SL so close to my D/C but now that I am in with NFCU for $25K, the $2K needs to grow with me. Maybe I am being greedy but in the words of my hero Gordon Gecko: "Greed....is good"

You really shouldn't expect Barclay's to match NFCU, as NFCU is a different animal and they tend to give higher limits to their members than prime banks with a recent BK7. I see your CL is now 3k and that is more inline with your current limits.

Re: Barclaycard Rewards Card

KellyP25721 — Wed, 15 Apr 2015 18:43:41 GMT

I think Barclay's also likes to see high usage in granting CLI's. They don't seem very interested in granting higher CL's if you aren't using what you have with them. On the other hand, I use mine heavily and they have auto-CLI'd mine twice, each time bumping it slightly higher than my other credit lines.

Re: Barclaycard Rewards Card

Anonymous — Wed, 15 Apr 2015 20:11:51 GMT

@Anonymous wrote:

@gdale6 wrote:
You might call the backdoor and get the retention dept and see if there is a SP cli available
+1

I just did this a few days ago on my Sallie Mae MC and got a $500 CLI. Got my APR reduced by 4 points, too. All with a SP.

How long have you had the card for ?

Re: Barclaycard Rewards Card

Anonymous — Wed, 15 Apr 2015 20:12:52 GMT

@KellyP25721 wrote:
I think Barclay's also likes to see high usage in granting CLI's. They don't seem very interested in granting higher CL's if you aren't using what you have with them. On the other hand, I use mine heavily and they have auto-CLI'd mine twice, each time bumping it slightly higher than my other credit lines.

Do you mind sharing what limits your were hitting and how often/PIF and such? TYVM

Re: Barclaycard Rewards Card

KellyP25721 — Wed, 15 Apr 2015 20:20:23 GMT

@Anonymous wrote:
@KellyP25721 wrote:
I think Barclay's also likes to see high usage in granting CLI's. They don't seem very interested in granting higher CL's if you aren't using what you have with them. On the other hand, I use mine heavily and they have auto-CLI'd mine twice, each time bumping it slightly higher than my other credit lines.
Do you mind sharing what limits your were hitting and how often/PIF and such? TYVM

Started with $2K and put over $1K through it each month making several payments a month. At 6 months the bumped it to $3.3K. On average put about $1.5K through it, again making several payments a month. My highest balance was $2600 for a downpayment on my Jeep that PIF'd. Most months I would PIF but occassionaly let a small balance ride. On my 12th statement, they bumped my up to $6.3K.

Re: Barclaycard Rewards Card

Anonymous — Wed, 15 Apr 2015 20:46:32 GMT

TYVM!

PS You can pay for a car with a CC?

PSS maybe a few of the workers can quit and go work at CHASE

@KellyP25721 wrote:
@Anonymous wrote:
@KellyP25721 wrote:
I think Barclay's also likes to see high usage in granting CLI's. They don't seem very interested in granting higher CL's if you aren't using what you have with them. On the other hand, I use mine heavily and they have auto-CLI'd mine twice, each time bumping it slightly higher than my other credit lines.
Do you mind sharing what limits your were hitting and how often/PIF and such? TYVM
Started with $2K and put over $1K through it each month making several payments a month. At 6 months the bumped it to $3.3K. On average put about $1.5K through it, again making several payments a month. My highest balance was $2600 for a downpayment on my Jeep that PIF'd. Most months I would PIF but occassionaly let a small balance ride. On my 12th statement, they bumped my up to $6.3K.

Re: Barclaycard Rewards Card

KellyP25721 — Wed, 15 Apr 2015 20:50:43 GMT

Well I can buy a car on CC's now, not that I would even consider it, but at the time I just put the down payment on the card and paid it off as soon as it posted. I figured if I was going to put out the money, I might as well get the rewards points for it!

Re: Barclaycard Rewards Card

Anonymous — Wed, 15 Apr 2015 21:05:40 GMT

@KellyP25721 wrote:
Well I can buy a car on CC's now, not that I would even consider it, but at the time I just put the down payment on the card and paid it off as soon as it posted. I figured if I was going to put out the money, I might as well get the rewards points for it!

hmmmmmmmmmmmm... this is very interesting. You have gotten that on a APR promo too...

Re: Barclaycard Rewards Card

KellyP25721 — Wed, 15 Apr 2015 21:07:38 GMT

As a matter of fact, I was on a 0% APR promo at the time but I paid it off right away to keep utilization down.