topic Re: Barclay - a lot of use = no CLI, little use = CLI in Credit Cards

Barclay - a lot of use = no CLI, little use = CLI

masscredit — Thu, 29 Jun 2017 14:35:42 GMT

My Barclay Rewards card is my main card. I use it for at least 75% of my purchases. $1K some months, other months it can be between $3K and $8K. I PIF so I usually don't carry a balance. Some months I'll let a balance post then pay it off before the due date. I use my Apple Rewards card once in awhile. Maybe a few hundred dollars here and there unless I'm buying an Apple product. I called Barclay to see if my Rewards card was eligible for an APR reduction and SP CLI. Neither was available. Then I asked if my Apple card had any offers available. I was told that I could get a SP CLI. Answered a few basic questions and received an extra $2500. That got it up to $9900.00. The Rewards card is still holding at $10,500.00.

My Rewards card gets a lot of use but it hasn't received a CLI in over 2 years. I hardly use the Apple card but it has received four CLIs in that period. I asked the person that I was speaking to but she didn't have an answer. I ended up moving some of the Apple credit line over to the Rewards card. That gave me a $16,400 limit while my Apple card is now at $4K.

Does anyone have any ideas why my Rewards card isn't growing?

Re: Barclay - a lot of use = no CLI, little use = CLI

mitchblue — Thu, 29 Jun 2017 18:54:02 GMT

@masscredit wrote:
My Barclay Rewards card is my main card. I use it for at least 75% of my purchases. $1K some months, other months it can be between $3K and $8K. I PIF so I usually don't carry a balance. Some months I'll let a balance post then pay it off before the due date. I use my Apple Rewards card once in awhile. Maybe a few hundred dollars here and there unless I'm buying an Apple product. I called Barclay to see if my Rewards card was eligible for an APR reduction and SP CLI. Neither was available. Then I asked if my Apple card had any offers available. I was told that I could get a SP CLI. Answered a few basic questions and received an extra $2500. That got it up to $9900.00. The Rewards card is still holding at $10,500.00.

My Rewards card gets a lot of use but it hasn't received a CLI in over 2 years. I hardly use the Apple card but it has received four CLIs in that period. I asked the person that I was speaking to but she didn't have an answer. I ended up moving some of the Apple credit line over to the Rewards card. That gave me a $16,400 limit while my Apple card is now at $4K.

Does anyone have any ideas why my Rewards card isn't growing?

CLI isn't solely on use, and non use.. That's the short and simple answer. The longer answer is outside my pay grade..

Re: Barclay - a lot of use = no CLI, little use = CLI

masscredit — Thu, 29 Jun 2017 19:15:19 GMT

Maybe some cards have different requirements for a CLI? I was going to suggest that maybe the Rewards card is at the max limit they want to see me at but I can easily transfer the credit line from my Apple card to that one like I did.

Re: Barclay - a lot of use = no CLI, little use = CLI

mitchblue — Thu, 29 Jun 2017 19:55:45 GMT

For the record my Rewards card started at $1,300, and stayed there for two years. I took a HP to get an extra 700 bucks. When Sallie Mae said by by, I transferred my $7,500 from there. I'm sure other got big CLI with the Rewards card but who knows why someone gets one or doesn't get one..

Re: Barclay - a lot of use = no CLI, little use = CLI

Man-Of-Steel — Fri, 30 Jun 2017 00:20:19 GMT

@masscredit wrote:
My Barclay Rewards card is my main card. I use it for at least 75% of my purchases. $1K some months, other months it can be between $3K and $8K. I PIF so I usually don't carry a balance. Some months I'll let a balance post then pay it off before the due date. I use my Apple Rewards card once in awhile. Maybe a few hundred dollars here and there unless I'm buying an Apple product. I called Barclay to see if my Rewards card was eligible for an APR reduction and SP CLI. Neither was available. Then I asked if my Apple card had any offers available. I was told that I could get a SP CLI. Answered a few basic questions and received an extra $2500. That got it up to $9900.00. The Rewards card is still holding at $10,500.00.

My Rewards card gets a lot of use but it hasn't received a CLI in over 2 years. I hardly use the Apple card but it has received four CLIs in that period. I asked the person that I was speaking to but she didn't have an answer. I ended up moving some of the Apple credit line over to the Rewards card. That gave me a $16,400 limit while my Apple card is now at $4K.

Does anyone have any ideas why my Rewards card isn't growing?

I think it may have to do with the Rewards card product, but that's just a guess on my part. From what I remember, the Rewards card was mainly a builder/re-builder card. If so, that might factor into some type of cap regarding the SP CLIs or auto CLIs.

I have a Rewards WMC that was a downgrade from an Arrival Plus. At the time of the downgrade, I asked them if there was an offer for an APR reduction and there was. The APR is currently 12.74%, which I believe is quite low for the Rewards card. My limit is $17,500, but that's because I did something similar to what you did. My Arrival limit was $12,500, and I moved my full $5,000 limit from my old Sallie Mae/Commence WMC when I closed it a couple of months ago. I never received any CLIs for any of my Barclays cards (didn't request any HP CLIs), but I didn't need any either, so that was no big deal for me. Barclays is good about transferring credit lines from account to account though and I think that was smart of you to do that since the Rewards card is your main card.

Out of curiosity though......Do you have a 2% everything card or other cards that can get you more than 1% on the categories that don't get 2% or 2X the points on the Rewards card? I'm curious because I only use my Rewards card for monthly utilities (that don't cost anything extra to pay with a CC). I could put those same charges on my Citi Double Cash, but I want to hold onto this Rewards card for a bit longer and I'm not losing anything, so it's not a big deal for me.

Re: Barclay - a lot of use = no CLI, little use = CLI

masscredit — Fri, 30 Jun 2017 14:27:45 GMT

My QuickSilver card gets 1.5%. I use that once in awhile but usually go for the Barclay Rewards. I didn't realize it's a rebuilder card. Decent one if it is. I was just looking on Barclay's website, I don't see it offered anymore.

The rep at Barclay told me my Apple card was approved for a $2500. increase but I might be able to get more with a HP. And the Rewards card didn't have any SP CLI offers but that might receive an increase with a HP. I'm doing pretty good with most of my credit lines so I wouldn't want to use a HP for a few thousand dollars. I rather do it for a new card that might give me $10K plus.

Re: Barclay - a lot of use = no CLI, little use = CLI

SouthJamaica — Fri, 30 Jun 2017 14:38:22 GMT

@masscredit wrote:
My Barclay Rewards card is my main card. I use it for at least 75% of my purchases. $1K some months, other months it can be between $3K and $8K. I PIF so I usually don't carry a balance. Some months I'll let a balance post then pay it off before the due date. I use my Apple Rewards card once in awhile. Maybe a few hundred dollars here and there unless I'm buying an Apple product. I called Barclay to see if my Rewards card was eligible for an APR reduction and SP CLI. Neither was available. Then I asked if my Apple card had any offers available. I was told that I could get a SP CLI. Answered a few basic questions and received an extra $2500. That got it up to $9900.00. The Rewards card is still holding at $10,500.00.

My Rewards card gets a lot of use but it hasn't received a CLI in over 2 years. I hardly use the Apple card but it has received four CLIs in that period. I asked the person that I was speaking to but she didn't have an answer. I ended up moving some of the Apple credit line over to the Rewards card. That gave me a $16,400 limit while my Apple card is now at $4K.

Does anyone have any ideas why my Rewards card isn't growing?

IMHO the reason is simple; they're phasing out that card.

Re: Barclay - a lot of use = no CLI, little use = CLI

masscredit — Fri, 30 Jun 2017 18:11:11 GMT

Maybe replaced by the Cash Forward card?

https://home.barclaycardus.com/cards/barclaycard-cashforward.html

Re: Barclay - a lot of use = no CLI, little use = CLI

Man-Of-Steel — Fri, 30 Jun 2017 21:26:21 GMT

@masscredit wrote:
Maybe replaced by the Cash Forward card?

https://home.barclaycardus.com/cards/barclaycard-cashforward.html

I've read where some folks have speculated about that. The Rewards and no fee Arrival cards haven't been available to directly apply for, for quite some time now, so I'm not so convinced that Barclays is planning to do anything with them, but who knows? If they do force a conversion to the CashForward card, I'll close the account, as I will have no use for a 1.5% card that has a $50.00 redemption threshold. At least with the Rewards card, I can use it for the 2X categories and keep the pace with the rewards that I could earn with my Citi Double Cash. The only thing I find attractive about the CashForward card is the $200.00 signup bonus. I thought about applying for it, but it would be useless for me after I earned the bonus. IMO, this is the advantage that the Quicksilver card has over it. The Quicksilver card makes a good SD card, where you can use it sparingly, but don't have to worry about meeting a redemption threshold.

Re: Barclay - a lot of use = no CLI, little use = CLI

SouthJamaica — Fri, 30 Jun 2017 21:28:32 GMT

@Man-Of-Steel wrote:
@masscredit wrote:
Maybe replaced by the Cash Forward card?

https://home.barclaycardus.com/cards/barclaycard-cashforward.html
I've read where some folks have speculated about that. The Rewards and no fee Arrival cards haven't been available to directly apply for, for quite some time now, so I'm not so convinced that Barclays is planning to do anything with them, but who knows? If they do force a conversion to the CashForward card, I'll close the account, as I will have no use for a 1.5% card that has a $50.00 redemption threshold. At least with the Rewards card, I can use it for the 2X categories and keep the pace with the rewards that I could earn with my Citi Double Cash. The only thing I find attractive about the CashForward card is the $200.00 signup bonus. I thought about applying for it, but it would be useless for me after I earned the bonus. IMO, this is the advantage that the Quicksilver card has over it. The Quicksilver card makes a good SD card, where you can use it sparingly, but don't have to worry about meeting a redemption threshold.

Same here

Re: Barclay - a lot of use = no CLI, little use = CLI

DaveInAZ — Fri, 30 Jun 2017 22:01:56 GMT

@Man-Of-Steel wrote:
@masscredit wrote:
Maybe replaced by the Cash Forward card?

https://home.barclaycardus.com/cards/barclaycard-cashforward.html
I've read where some folks have speculated about that. The Rewards and no fee Arrival cards haven't been available to directly apply for, for quite some time now, so I'm not so convinced that Barclays is planning to do anything with them, but who knows? If they do force a conversion to the CashForward card, I'll close the account, as I will have no use for a 1.5% card that has a $50.00 redemption threshold. At least with the Rewards card, I can use it for the 2X categories and keep the pace with the rewards that I could earn with my Citi Double Cash. The only thing I find attractive about the CashForward card is the $200.00 signup bonus. I thought about applying for it, but it would be useless for me after I earned the bonus. IMO, this is the advantage that the Quicksilver card has over it. The Quicksilver card makes a good SD card, where you can use it sparingly, but don't have to worry about meeting a redemption threshold.

I'd PC Cashforward to Ring, but I don't trust Barclays to not phase out Ring. And when I say "PC", I mean the Barclays way of PC'ing - app for the new card & get approved, then call and move the CL from your old card to the new one and close the old one.

I think you nailed it in your previous post - no CLIs for Rewards as they're planning on phasing it out. And I do think they'll convert it Cashforward. I got Cashforward last August and got a $2k auto CLI last Feb, so that's the card they're pushing, my Rewards MC hasn't had a CLI in years. And you're right, a 1.5% rewards card with $50 threshold for redemption doesn't cut it anymore. I'm at $35 in rewards and when I get to $50 I'll redeem and pretty much SD Cashforward, just a small purchase ever few months to keep it active and keep the $13.2k CL, $16.2k CL if they merge my Rewards into it.

I'd PC Cashforward to Ring, but I don't trust Barclays to not phase out Ring. And when I say "PC", I mean the Barclays way of PC'ing - app & get approved for the new card, then call and move the CL from the old card to the new one and close the old one.

Re: Barclay - a lot of use = no CLI, little use = CLI

TiggerDat — Fri, 30 Jun 2017 22:36:52 GMT

@Man-Of-Steel wrote:
@masscredit wrote:
My Barclay Rewards card is my main card.
........blah, blah, blah, .............
...........blah, blah, blah, .................
Does anyone have any ideas why my Rewards card isn't growing?
I think it may have to do with the Rewards card product, ....
.........blah, blah, blah,,,,,,,,
..............blah, blah, blah.............
I'm curious because I only use my Rewards card for monthly utilities (that don't cost anything extra to pay with a CC). I could put those same charges on my Citi Double Cash, but I want to hold onto this Rewards card for a bit longer and I'm not losing anything, so it's not a big deal for me.

Mine only sees my electric bill to it, it's amazing how much cash back I have earned on buying electricity.

Re: Barclay - a lot of use = no CLI, little use = CLI

TiggerDat — Fri, 30 Jun 2017 22:49:34 GMT

@DaveInAZ wrote:
@Man-Of-Steel wrote:
@masscredit wrote:
Maybe replaced by the Cash Forward card?

https://home.barclaycardus.com/cards/barclaycard-cashforward.html
I've read where some folks have speculated about that.
........blah, blah, blah, .............
...........blah, blah, blah, .................
I'd PC Cashforward to Ring, but I don't trust Barclays to not phase out Ring. And when I say "PC", I mean the Barclays way of PC'ing - app for the new card & get approved, then call and move the CL from your old card to the new one and close the old one.
I think you nailed it in your previous post - no CLIs for Rewards as they're planning on phasing it out. And I do think they'll convert it Cashforward.
........blah, blah, blah, .............
...........blah, blah, blah, .................

I'd PC Cashforward to Ring, but I don't trust Barclays to not phase out Ring. And when I say "PC", I mean the Barclays way of PC'ing - app & get approved for the new card, then call and move the CL from the old card to the new one and close the old one.

Isn't it actually a bit annoying that everyone has a 1.5% cash back card now? At this point don't we all have a few of these in our wallets? The only reason to apply for this card is for the $200! Actually, that's the only reason to apply for any 1.5% cash back, right?

As much as it pains me to say this but the best 1.5% cash card is probably actually CapOne for the free foreign transaction fees. And didn't most get one of these starting out? Didn't we keep it for AAOA? I'm just sayin............ Most have a 3% foreign fee......

The only other one I can think of that is better is the PenFed one, because if you get the checking account to go with it, you get 2%, but you have to qualify to be a member. Although there are times I wonder if it is impossible to not be qualified to be a member....

Re: Barclay - a lot of use = no CLI, little use = CLI

DaveInAZ — Fri, 30 Jun 2017 23:32:44 GMT

@TiggerDat wrote:
Isn't it actually a bit annoying that everyone has a 1.5% cash back card now? At this point don't we all have a few of these in our wallets? The only reason to apply for this card is for the $200! Actually, that's the only reason to apply for any 1.5% cash back, right?

As much as it pains me to say this but the best 1.5% cash card is probably actually CapOne for the free foreign transaction fees. And didn't most get one of these starting out? Didn't we keep it for AAOA? I'm just sayin............ Most have a 3% foreign fee......
The only other one I can think of that is better is the PenFed one, because if you get the checking account to go with it, you get 2%, but you have to qualify to be a member. Although there are times I wonder if it is impossible to not be qualified to be a member....

Well, the CC issuers have upped the rewards ante so much recently. I remember thinking "Wow! 1.5% cashback rewards!" Now it's "Only 15.% rewards??? No thanks!" Maybe Barclays realized they're behind the curve and that's why they upped the Cashforward spend bonus to $200. Yes, Cap One is a keeper for for me, but for the frequent 0% BT offers, I have current offers on both QS & Spark biz.

As for Penfed, you're supposed to qualify through military service or association, but they don't seem to check or require proof. I joined Navy League in preparation for joining Navy Fed, but when that got killed I used it to join Penfed in early May. But when you apply for an account online all you do is select your association from a drop down menu and that's it. I wouldn't suggest anyone apply for Penfed membership without really having a required membership association, but just reporting that currently you select one from a menu and that's it, you're in, subject to EQ HP and ~~probably~~ maybe a Chex or EWS check. The Powercash 2% card is great, and I'm in the final stage of a $25k 4% APR 15 year Home Equity Line of Credit, all approved, just waiting on appraisal.

Re: Barclay - a lot of use = no CLI, little use = CLI

Man-Of-Steel — Fri, 30 Jun 2017 23:55:35 GMT

@DaveInAZ wrote:
Well, the CC issuers have upped the rewards ante so much recently. I remember thinking "Wow! 1.5% cashback rewards!" Now it's "Only 15.% rewards??? No thanks!" Maybe Barclays realized they're behind the curve and that's why they upped the Cashforward spend bonus to $200. Yes, Cap One is a keeper for for me, but for the frequent 0% BT offers, I have current offers on both QS & Spark biz.

Regarding the bold: I agree. And for this same reason, the Barclaycard Rewards card was a pretty good card back in the day with the 2X categories, especially given that Barclays treats the utilities category pretty liberally (where it also includes cable and phone bills). I think it used to also include some drug stores. However, now it doesn't shine as much give that there are several 2% "on everything" cards available. I also agree regarding the $200 bonus that Barclays is now offering. I'm sure they did that to attract more people to that card.