topic Re: Barclays CLI question in Credit Cards

Barclays CLI question

Anonymous — Mon, 15 Jun 2015 20:22:19 GMT

OK, with a new Barclays account, should I request a CLI, or should I wait for the Auto CLI? I've got three statements so far.

Re: Barclays CLI question

Anonymous — Mon, 15 Jun 2015 20:42:20 GMT

i would wait and if you dont get it . then request it.... thats what i did

Re: Barclays CLI question

itguy_65 — Mon, 15 Jun 2015 21:12:02 GMT

Would suggest you wait at least 6 statements, then call up and ask if there is a possibility of a APR decrease. They will transfer you to a specialist. Once speaking to the specialist, also ask if a SP (soft credit pull) CLI is available. I would then call every 2 months after that, and ask the same thing each time.

Re: Barclays CLI question

bk510 — Tue, 16 Jun 2015 00:46:35 GMT

@Anonymous wrote:
OK, with a new Barclays account, should I request a CLI, or should I wait for the Auto CLI? I've got three statements so far.

I would def wait......there SHOULD be an auto cli at or little after 6 first 6 months.

I was approved for 1500 Barclay Reward card on 11/2013

On 6/2014, received 900 cli, bringing my total to 2400

On 12/2014, received another 400, which brought me to 2800

then last week, received 1500 cli....total of 4300 limit ( not bad for someone whgo filed for BK 7 on 6/2012)

so far this is my highest card.

so yeah i would def wait for auto cli.

Re: Barclays CLI question

bk510 — Tue, 16 Jun 2015 00:48:15 GMT

@Anonymous wrote:
i would wait and if you dont get it . then request it.... thats what i did

dont forget that its a hard pull, IF you request it......

Re: Barclays CLI question

TRC_WA — Tue, 16 Jun 2015 00:56:30 GMT

Definitely wait.

If you request it's a HP.

I got a SP auto CLI on my now closed Apple card at statement 6.

My Sallie Mae statement 6 cuts in 2 days... Will post back.

Re: Barclays CLI question

Scupra — Tue, 16 Jun 2015 03:49:26 GMT

Auto luv at 6 months and 12 months on my Arrival+ Wait it out first

Re: Barclays CLI question

dwz55 — Tue, 16 Jun 2015 03:53:51 GMT

@Scupra wrote:
Auto luv at 6 months and 12 months on my Arrival+ Wait it out first

yep same here

Re: Barclays CLI question

Anonymous — Wed, 17 Jun 2015 18:19:58 GMT

Thanks everyone. I'll wait till the 6th statement and see what happens.

Re: Barclays CLI question

CreditJim — Wed, 17 Jun 2015 18:30:00 GMT

@itguy_65 wrote:
Would suggest you wait at least 6 statements, then call up and ask if there is a possibility of a APR decrease. They will transfer you to a specialist. Once speaking to the specialist, also ask if a SP (soft credit pull) CLI is available. I would then call every 2 months after that, and ask the same thing each time.

I just called, got someone in Maine, asked for an APR decrease, he didn't transfer my call and just told me there were no offers. APR is at 24.99%.

Re: Barclays CLI question

Anonymous — Wed, 17 Jun 2015 19:54:22 GMT

CreditJim maybe you got a bad representative, I did exactly what itguy suggested yesterday and I got $7K in CLI on my two Barclays cards. Then again I also had an APR offer available so maybe that's how I got transferred.

The number I called was 800-307-0341 if that helps.

Re: Barclays CLI question

Broke_Triathlete — Thu, 18 Jun 2015 00:12:27 GMT

This worked for me. I lowered my APR 1% and also raised my CL $500. Not stellar, but an increase nonetheless. I haven't used the card much at all though, so I can't expect much. Thanks for the tip!

Edit: I literally just got off the phone with them after reading this thread!

Re: Barclays CLI question

WLRK11 — Thu, 18 Jun 2015 22:09:41 GMT

@Broke_Triathlete wrote:
This worked for me. I lowered my APR 1% and also raised my CL $500. Not stellar, but an increase nonetheless. I haven't used the card much at all though, so I can't expect much. Thanks for the tip!

Edit: I literally just got off the phone with them after reading this thread!

Same with me. 1% reduction and CLI of $750. Not happy about it.

Re: Barclays CLI question

dman23 — Thu, 18 Jun 2015 23:15:27 GMT

FInally get a CLI. Got my card late April of 2014 and just received a CLI a couple of days ago. $1300 increase from $1300 to $2600.

Took awile but except for paying my phone automatically each month I haven't used card that often for other purchases so I'm happy.

Re: Barclays CLI question

Broke_Triathlete — Fri, 19 Jun 2015 00:09:48 GMT

@WLRK11 wrote:
@Broke_Triathlete wrote:
This worked for me. I lowered my APR 1% and also raised my CL $500. Not stellar, but an increase nonetheless. I haven't used the card much at all though, so I can't expect much. Thanks for the tip!

Edit: I literally just got off the phone with them after reading this thread!
Same with me. 1% reduction and CLI of $750. Not happy about it.

While I'm not particularly happy with the $500 increase, it's better than nothing especially with the limited use I've been utilizing with them. What about you? Have you been using them a lot?

Re: Barclays CLI question

Anonymous — Fri, 19 Jun 2015 00:22:38 GMT

regardless i don't understand how people who don't get "the increase they want" all of a sudden have a bad attitude about it. they aren't required to give them at all and to expect them is ludicrous. be thankful a bank actually took a chance on you by lending ANY credit.

Re: Barclays CLI question

Broke_Triathlete — Fri, 19 Jun 2015 00:28:21 GMT

@Anonymous wrote:
regardless i don't understand how people who don't get "the increase they want" all of a sudden have a bad attitude about it. they aren't required to give them at all and to expect them is ludicrous. be thankful a bank actually took a chance on you by lending ANY credit.

No bad attitudes here on my end! I know what you mean though. I was reading a thread this morning about a guy who was pissed he didn't get the expected CL from a company and because of that he's going to quit banking with them as a result of the less than expected SCL. He did have a great CS (750+), plenty of income, and for whatever reason he got a limit that I didn't feel was out of my reach. It made me appreciate the credit I do have because you may have all the requirements for this or that credit wise, but that doesn't mean a company is obligated to give it to you.

Re: Barclays CLI question

Anonymous — Fri, 19 Jun 2015 00:42:16 GMT

yeah i was referring to dman23 lol. and honestly if you have enough credit to royally screw yourself if you max it all out then yeah.... you have enough lol. my income is under $30k a year and i have over $18k in credit... if i maxed it all out i would be completely screwed. i don't complain over CLI. they aren't hand-me-outs...

Re: Barclays CLI question

Broke_Triathlete — Fri, 19 Jun 2015 00:50:47 GMT

@Anonymous wrote:
yeah i was referring to dman23 lol. and honestly if you have enough credit to royally screw yourself if you max it all out then yeah.... you have enough lol. my income is under $30k a year and i have over $18k in credit... if i maxed it all out i would be completely screwed. i don't complain over CLI. they aren't hand-me-outs...

Wow we're pretty similar. I'm just under $40K and I feel the $10.5K is enough for me. I've had a lot of stupid unexpected expenses happen lately (transmission blew, dental work, and normal day to day spend) and still haven't come close to my limits. I couldn't imagine having $50-$60K in credit debt. The key is not treating the limits like a second (or 3rd in my case) income.

However, anticipation of CLI's are fun. I used to collect sports cards so a CLI to me was like the anticipation of ripping a pack of cards and hoping to find that Tiger auto that everyone wants haha.

Re: Barclays CLI question

Anonymous — Fri, 19 Jun 2015 00:53:17 GMT

hahahahaha nice. CLIs are nice and openly accepted, but not expected