topic Re: Options for Barclaycards in Credit Cards

Options for Barclaycards

odjohnson3 — Tue, 17 Apr 2018 06:32:54 GMT

Hey everyone....Im hoping someone can chime in with some advice on what I can do to up the limits on these barclay accounts I got.

Barclay Cash Rewards. Its been open 2 years, never been late. I just paid off the balance of 2500. In the 2 years ive had this card, its never been granted a credit limit increase. I did manually apply once but I was denied since I had just got approved for a UPromise World Master Card through Barclays...Theyre reason being, we dont see why you need so much credit at one time SMH. My UPromise card has been open now for only 18 months.

So today I call to inquire about the Cash Rewards card and was told, if u were elgible, we would increase automatically...Any manual attempt will constitute a hard pull....I asked, about a product change and they said, they dont do product changes. Knowing this was not true, I asked for a supervisor...Instead I got another representative who then said, oh, we offer them but not for this card....It seems as if this card and the UPromise card both have been discontinued....All they keep insisting is to apply for a new card.....Im trying to stay away from that.

I read in another posts that moving one cards limit to another card can give u a greater limit, but, will it close one of the cards? Im starting to dislike Barclays more and more....Even with scores over 760 and perfect payment history, they wont soft pull....they just keep encouraging a new application....Why would I put one in when they discontinue cards every year "/

Any suggestions???

Has anyone got a soft pull credit limit increase???

Will combining cards close an account???

Re: Options for Barclaycards

MrDisco99 — Tue, 17 Apr 2018 11:18:49 GMT

You can move credit between cards very easily with Barclays. Just call them up and ask. You can either move the entire limit and close the donor card, or move part of it and keep it. It's up to you.

As for product changes, they do them, but only to cards in the same brand family. So if you have a JetBlue Plus card, you can change it to the no fee version. Sometimes when they discontinue a card, they will auto PC it to one of their house brand cards, but they won't do that on demand.

Barclays does not do soft pull CLIs on demand. If they offer it to you it's a soft pull, but if you ask for it they will hard pull. You're almost always, with any bank, better off applying for a new account than asking for a HP CLI.

Just be glad they didn't CLD you after you paid off your balance. They seem to do that a lot.

Re: Options for Barclaycards

Anonymous — Tue, 17 Apr 2018 12:52:01 GMT

You can move credit around, yes. They won't close the other card unless you want to. If you want to keep the other card, they'll need to leave i least $500 CL on it to keep it open.

Barclays DOES have SP CLIs, but you need to have the offer in your account. I got my Arrival to where it is by doing two SP CLIs since i got the card. It is possible.

Re: Options for Barclaycards

odjohnson3 — Tue, 17 Apr 2018 15:02:55 GMT

Ok, thank u very much for the info

Re: Options for Barclaycards

Peteyglad — Tue, 17 Apr 2018 15:39:06 GMT

Barclay was always the worst for me when it came to limits .Mine is finally decent, but it has taken several hp's, a couple sp's and an account combination over 5 years to get there .at least it is somewhat respectable now.

Re: Options for Barclaycards

wasCB14 — Tue, 17 Apr 2018 17:34:52 GMT

@Peteyglad wrote:
Barclay was always the worst for me when it came to limits .Mine is finally decent, but it has taken several hp's, a couple sp's and an account combination over 5 years to get there .at least it is somewhat respectable now.

Sallie Mae Rewards had low bonus caps, and Commence is garbage compared to the rest of your cards. Correct me if I'm wrong, but I'm guessing you weren't putting a lot of spend on either card to earn 1% cash when you had better alternatives.

Re: Options for Barclaycards

odjohnson3 — Tue, 17 Apr 2018 17:38:13 GMT

Besides my balance transfers, I didn't use either card much...i paid them in full a few times, but I didn't use them regularly

Re: Options for Barclaycards

Anonymous — Tue, 17 Apr 2018 19:31:55 GMT

if you will use one card more than the other, i would move the CL.

Re: Options for Barclaycards

kellymar — Thu, 19 Apr 2018 09:32:03 GMT

I have their Apple rewards card. I've had it for less than year. The original CL was $2500. I charged slightly over $1,000 and have been paying about $100/month at 0% interest. I haven't used the card for anything else. They just increased the limit to $3500, unsolicited. It was a soft pull. My scores are in the high 600s/low 700s. Hope that helps.

Re: Options for Barclaycards

gabeerwin — Thu, 19 Apr 2018 14:36:59 GMT

@kellymar wrote:
I have their Apple rewards card. I've had it for less than year. The original CL was $2500. I charged slightly over $1,000 and have been paying about $100/month at 0% interest. I haven't used the card for anything else. They just increased the limit to $3500, unsolicited. It was a soft pull. My scores are in the high 600s/low 700s. Hope that helps.

I wish I was as lucky... I have had the card since Sept and used it like a mad man. I started with $2000 and it sits at $2000. My scores are approximately where yours are.

Re: Options for Barclaycards

odjohnson3 — Thu, 19 Apr 2018 14:39:25 GMT

That's precisely my story. They approved me for a world MasterCard with more than twice the limit of the other card and have yet to increase the first one

Re: Options for Barclaycards

SunriseEarth — Fri, 20 Apr 2018 02:57:13 GMT

What people usually do is call in and see if you have any offers to lower your APR. Hopefully, they'll get you to someone past a front-line CSR, as they seem to have a lot more options available. Last time I called in, I went from CSR to Analyst and finally to Retentions. Odd enough, just as I was about to close my Rewards and consolidate it into my CashForward, they magically found an SP CLI and a 0% APR offer.

Re: Options for Barclaycards

Anonymous — Fri, 20 Apr 2018 13:12:29 GMT

From MY experience, i seem to be getting SP CLIs twice per year.

Re: Options for Barclaycards

Anonymous — Fri, 20 Apr 2018 16:30:42 GMT

It seems like Barclays is a lot like Chase when it comes to giving out CLIs: They will give them without a hard pull, but they'll never do SP CLIs on request (if you request a CLI, it WILL be a hard pull).

I know from experience that Chase tends to give CLIs if you tend to use up a large portion of your credit line and you PIF, and they tend to do so every 6 months or so at most (I'm not sure PIF is a requirement, but that's all I've ever done ). The Target REDcard is also the same deal, except they won't let you request a CLI at all (not even if you want to take a HP). I doubt Barclays is much different.