topic Re: Credit Line Increase for Barclaycard WEMC Arrival + in Credit Cards

Credit Line Increase for Barclaycard WEMC Arrival +

Anonymous — Sat, 25 Aug 2018 00:07:37 GMT

Hi,

I applied for the Barclaycard WEMC Arrival +, applied on July 24, 2018 and got approved August 2, 2018 with a credit line of $1500. I am a recent college graduate and at the time of my application, my income was half of what it is now (I unexpectedly got a new job opprotunity). At the same time, I applied and got approved (through recon) for a Chase Sapphire Preferred with a credit line of $5000.

My goal is to accumulate travel rewards. Therefore, I am planning (and have been) using my arrival + for everyday purchases and my CSP for dining and travel.

However, my monthly everyday purchases exceed the $1500 limit and I am finding myself having to pay off the bill multiple times a month (I've spent about $4k on the arrival + in the past month) and I am wondering what are the chances of barclays giving me a cli due to the income increase.

I am new to credit but this is my history:

Wells Fargo Visa Signature with $7000 limit opened in September 2017

Wells Fargo Visa Platinum with $4000 limit opened in January 2012 as an authorized user

Amex Platinum as a charge card, opened in May 2014 as an authorized user

0 closed accounts

3 inquires on experian (WF, Chase, and a car)

1 inquiry on transunion (barclays)

0 on Equifax

Paid in full on all cards ever since owning them.

Should I apply for a Chase Freedom Unlimited or try for the cli?

Re: Credit Line Increase for Barclaycard WEMC Arrival +

Anonymous — Sat, 25 Aug 2018 01:28:36 GMT

I’m not familiar with the Barclay travel card, but I do have a CSP and Freedom. I have a Barclay AA Aviator Red and know how stingy Barclay is with CLs and CLIs. If all things are equal as far as travel partners and points for you, I would probably think your chances of success are better with a FU than a Barclay CLI.

Perhaps someone with both travel cards can give you more accurate comparative advice.

Re: Credit Line Increase for Barclaycard WEMC Arrival +

FinStar — Sat, 25 Aug 2018 17:53:28 GMT

OP, you can always try for a CLI with your Arrival card down the road, but keep in mind that it'll be a HP. Sometimes a triple-pull (YEMV).

But, since you were approved in less than 30 days you can call the backdoor number to determine whether they can reconsider your initial SL with your updated income information.