topic Re: BARCLAY CLI what should I ask for in Credit Cards

BARCLAY CLI what should I ask for

Anonymous — Wed, 23 Sep 2015 16:14:08 GMT

6th statement has closed and just paid balance off $4200 have a $5k SL , no auto CLI , I want to call and recon , what limit should I ask for ?

Re: BARCLAY CLI what should I ask for

Anonymous — Wed, 23 Sep 2015 16:24:38 GMT

$10,000? How much do you see yourself needing?

Re: BARCLAY CLI what should I ask for

kdm31091 — Wed, 23 Sep 2015 16:25:58 GMT

What is it that you want to "recon"? You didnt ask for a CLI yet. An auto CLI at 6 months (or any time) isnt a forgone conclusion or guarantee!

Ask for whatever you feel you need. No one can really answer that for you

Re: BARCLAY CLI what should I ask for

Anonymous — Wed, 23 Sep 2015 16:27:07 GMT

I just did'nt want to be greedy , 10K should work , I try and use the card for business mostly , but annoyed I did not get an auto CLI after 6th statement

Re: BARCLAY CLI what should I ask for

Anonymous — Wed, 23 Sep 2015 16:28:49 GMT

I apped for a CLI 2 weeks ago and was denied due to high balances on cards , now I have only a $3200 cap one and all others PIF , and now my util should be about 8%

Re: BARCLAY CLI what should I ask for

Anonymous — Wed, 23 Sep 2015 16:31:21 GMT

Be greedy and ask for $25K. They'll counter. I'm sounding like CA now

Re: BARCLAY CLI what should I ask for

Anonymous — Wed, 23 Sep 2015 16:33:51 GMT

LOL , I will try and keep you posted !

Re: BARCLAY CLI what should I ask for

Anonymous — Wed, 23 Sep 2015 16:45:05 GMT

Request denied !!! Threatened to close account and they said let me see what I can do for you , placed on hold and came back with another person to close account .

Re: BARCLAY CLI what should I ask for

noobody — Wed, 23 Sep 2015 16:47:51 GMT

I would NOT ask for CLI, nfl is not a great card to put spending on anyway. i would leave some head room for future application like SM or a cobrand card.
I have been with barclay since Jan 2012, not been offered CLI even once, 6 month guaranteed CLI only happen in CAP1 world.

Re: BARCLAY CLI what should I ask for

Anonymous — Wed, 23 Sep 2015 16:50:26 GMT

I am gonna keep the card but if I use it it will be PIF , I used it to put shelving in my new truck which cost me over 4K , now I had money come in and PIF , I figured after 6 months and PIF I would get lucky but apparently not

Re: BARCLAY CLI what should I ask for

Anonymous — Wed, 23 Sep 2015 16:52:33 GMT

They really threatened to close your account and were rude because all you wanted was a CLI??

Re: BARCLAY CLI what should I ask for

Anonymous — Wed, 23 Sep 2015 16:53:54 GMT

No , I threatened them to close the account if I couldnt get a CLI , sorry if I typed it wrong .

Re: BARCLAY CLI what should I ask for

kdm31091 — Wed, 23 Sep 2015 16:55:07 GMT

Thats kind of childish. Threats dont work with lenders.

Re: BARCLAY CLI what should I ask for

Anonymous — Wed, 23 Sep 2015 16:56:30 GMT

Yea, I know but figured maybe if they are losing a customer they would do something , it is what it is , I will keep the card but not put any usage into it , I will stick with my Slate card and cap ones

Re: BARCLAY CLI what should I ask for

Anonymous — Wed, 23 Sep 2015 16:59:14 GMT

kdm31091 It's funny how a lender can threaten you and it's no biggie but if you threaten a lender it is "childish"...That's the problem is that these mega banks do not care about the consumer anymore. All they care about is sucking as much profit as possible from the consumer...

Re: BARCLAY CLI what should I ask for

kdm31091 — Wed, 23 Sep 2015 17:01:07 GMT

I agree but the fact is they don't care about threats. If you are unhappy you take your business elsewhere. Thats all. Threats will accomplish nothing.

Re: BARCLAY CLI what should I ask for

Anonymous — Wed, 23 Sep 2015 17:03:58 GMT

That is true , I am just here like everyone else trying to build myself and credit up , I see alot of people who post they got this and that with BK , I dont have any BKs, and also lower scores than I have , I am trying to do what everyone else is doing and build up a great credit history and line .

Re: BARCLAY CLI what should I ask for

Anonymous — Wed, 23 Sep 2015 17:04:11 GMT

@Anonymous wrote:
kdm31091 It's funny how a lender can threaten you and it's no biggie but if you threaten a lender it is "childish"...That's the problem is that these mega banks do not care about the consumer anymore. All they care about is sucking as much profit as possible from the consumer...

As far as Im aware a lender doesnt really threaten anyone. They take specific actions based on different risk factors and since its their money we're all playing around with they have every right to do so even though it might suck for us.

All they care about is sucking as much profit as possible from the consumer... - TRUE for the most part. But since we're well aware of this thats exactly why issuing threats of account closure is childish. They could care less so why bother with the tantrums. If you dont like how a lender treats you move on, none of them would have any problem doing so if they felt we were no longer acceptable as customers. Diversification is key!

Re: BARCLAY CLI what should I ask for

Anonymous — Wed, 23 Sep 2015 17:07:00 GMT

@Anonymous wrote:
That is true , I am just here like everyone else trying to build myself and credit up , I see alot of people who post they got this and that with BK , I dont have any BKs, and also lower scores than I have , I am trying to do what everyone else is doing and build up a great credit history and line .

Totally understandable But every situation is different. No one here went from 0 to 100 in the credit world overnight. I kind of shot past a few obstacles in the beginning but thats more due to lack of patience and my general stubborn nature than anything. For most here time and patience lead to a great credit profile in the future.

Re: BARCLAY CLI what should I ask for

Anonymous — Wed, 23 Sep 2015 17:10:05 GMT

I have currently 3 cap ones total of $9800 and 2 barclays $6K and a chase slate of $1300 as far as majors go , been trying for discover and amex and had no luck as of yet so I really do not need the increase but figured just a way to bring down util from about 10% to maybe 7%, that is the only reason for the request . Let me ask your opinion and advice , on the Chase SLate which I got about a month ago with $1300 sl , I did a BT of 1200 and just PIF , should I pull the trigger and ask for a CLI ?