topic Re: Branded Cards - Sears (Citi) and Apple (Barclaycard) in Credit Cards

Branded Cards - Sears (Citi) and Apple (Barclaycard)

AAstra — Tue, 09 Feb 2016 05:36:02 GMT

Does anyone have experience with either of these or know if you can get a credit line increase without a hard pull? I have several other cards all with higher limits and I would like to increase these. If not, does anyone have any suggestions for either PC'ing these? I've considered canceling them but it just doesn't seem worth - might as well leave them open and just use them from time to time.

Re: Branded Cards - Sears (Citi) and Apple (Barclaycard)

pizza1 — Tue, 09 Feb 2016 06:07:21 GMT

Sear MC is Citi backed, and always a HP for a CLI. Its co-branded, and can't be PC'ed to any of their other cards.

The APPLE card cannot be PC'ed either, BUT.....you can could transfer to the limit to another Barclays CC if you had one. NOW...you can call in and do the APR reduct/SP trick with them, and see about that.

You call into CS, ask them for an APR reduction. (regular CSR agents can't do that)....they will transfer you to another dept that can. Ask them for a APR reduction, and if they can't, ask them if your acct is eligible for SP CLI....

It works if your eligible.

Re: Branded Cards - Sears (Citi) and Apple (Barclaycard)

AAstra — Tue, 09 Feb 2016 07:09:43 GMT

Thanks so much for the insight. Really appreciated. I might have to apply for something else with Barclay's and then move the limit/close the Apple.

Re: Branded Cards - Sears (Citi) and Apple (Barclaycard)

willwar14 — Tue, 09 Feb 2016 08:11:30 GMT

I disagree with what pizza said.. I converted my Apple card to their rewards card. I had to do it through their EO, their CSRs are useless when it comes to that..