topic Barclay's auto CLI? in Credit Cards

Barclay's auto CLI?

bichonmom — Sun, 13 May 2012 05:30:29 GMT

Just wondering what people did or didn't do who got Barclay's auto-CLIs and how long before you got one?

I've had my Apple card for 6 mos and was hoping for a 6-mo auto-CLI. I got it in November, so the 6th month stmt just cut and no CLI. I'm not willing to take a HP at this time for a CLI.

I'd really like to know what worked for others. Did you always PIF? Did you finance over a 0% period?

My util is low, so if they soft me, they're not seeing anything negative. I've only gotten one new card reporting since Barclays', and that just reported the other day. I'm really prime for a CLI, so I'd like to know if maybe there's something else I could be doing to hurry it along. Or if they even do 6-mo CLIs. I thought I've read people getting them.

Any suggestions and what's worked for others would be great. Thanks!

Re: Barclay's auto CLI?

GST2008 — Sun, 13 May 2012 13:17:15 GMT

I have two cards with Barclay's (Apple Visa and Carnival MC). I have received several auto CLIs on both. I think three or four on each over the past couple of years. I'm not sure what they specifically look for as I use both cards very differently. With regards to the Apple Visa, I use this card more heavily and generally carry some type of small balance. Currently it has a slightly higher balance than usual as I took advantage of the 0% financing around the holidays to purchase some gifts at the Apple store. I use the Carnival MC much less and currently only have one small auto-payment that goes to it each month for my gym membership.

The Apple Visa has risen from a CL of 2k in 2008 to 4.1k. The Carnival MC started at 2k in 2009 and is now at 6.5k. Aside from usage, I can tell you that the Carnival MC was the last CC I applied for and it was the last CC account I opened. I have read that Barclay's is inquiry sensitive so the fact that I haven't applied for any new credit since then and have had all the inquiries fall of my TU CR may have helped in the auto CLIs I received. I think two occurred in 2010 and two in 2011. I haven't received one yet for 2012.

Re: Barclay's auto CLI?

tray — Sun, 13 May 2012 13:53:22 GMT

I know when I first recieved my Barclay's card it took a year to see a auto-cli I would wait to see if this happens to you but Barclay's can be unpredictable I have had my card for some years now I believe in 2008, after my 1st two cli's which was yearly I was then getting auto-cli's every six months and now this year just like the other poster no cli for 2012 I would have been due last month so go figure.

Re: Barclay's auto CLI?

bichonmom — Sun, 13 May 2012 19:10:39 GMT

Thanks for the replies. I guess I won't expect anything from them for at least another 6 mos. I really wish they did SP CLIs!

Re: Barclay's auto CLI?

crunching_numbers — Sun, 13 May 2012 20:21:49 GMT

Bichon-

I had a balance of $8923.49 on a CL of $12,800 when they gave me an auto CLI to $14,300 in January 2012. Barclays is fickle and unpredictable. Do not think you will automatically not get a CLI. Do not try and figure out Barclays- you will go crazy.

edit=bad typing

Re: Barclay's auto CLI?

bichonmom — Sun, 13 May 2012 20:27:11 GMT

That's a good CLI w/ a big bal! I guess there is no figuring them out. Just wondering if I could expect a CLI @ 6 mos., and it looks like not. Unless they have more 0% offers on the Apple card, I'm gonna try and PC it at the end of the year. I don't use it because there are 0 rewards. It's been nice to finance my iPad, tho. I'd like to get a Mac Book Pro, but only w/0% (and would need healthy CLI to do it, too.)

Re: Barclay's auto CLI?

7ate9 — Mon, 14 May 2012 03:48:47 GMT

Bichonmom, I'm in the same boat as you. I got a Barclay's Rewards MC in November with a $1000 limit. I've used it sparingly and always pif prior to the statement being cut in order for a zero balance to report. I use another card with a higher limit to allow a tiny balance to report to maintain optimum scores. Anyway, my sixth Barclaycard statement just cut a few days ago, and I just KNEW I would login the next morning and see that a CLI had been applied... but boy was I wrong. I don't know what gives. My score has improved about 15 points while I've had the card, and I feel like I've done everything right. It's not the end of the world though, if it happens then great... if not, so be it.

Re: Barclay's auto CLI?

bichonmom — Mon, 14 May 2012 04:12:14 GMT

Yeah, my score has gone up a lot because a collection aged off in Jan. I was really hoping for a 6-month CLI, but I guess it's the waiting game.

Re: Barclay's auto CLI?

GST2008 — Mon, 14 May 2012 12:23:28 GMT

Bichonmom, they offer the 0% APR for Apple purchases periodically throughout the year. I also recently read a post stating that if you call CS and state you want to make a purchase at Apple, they can instantly give you the 0% APR. I received my most recent 0% offer around the Holidays (November). When you are in the market for the Mac Book Pro, I would call them and see if they can give you the rate.

Re: Barclay's auto CLI?

shane82388 — Tue, 15 May 2012 00:47:33 GMT

@GST2008 wrote:
Bichonmom, they offer the 0% APR for Apple purchases periodically throughout the year. I also recently read a post stating that if you call CS and state you want to make a purchase at Apple, they can instantly give you the 0% APR. I received my most recent 0% offer around the Holidays (November). When you are in the market for the Mac Book Pro, I would call them and see if they can give you the rate.

are you kidding? darn...i jsut nought a thunderbolt display with it...i have not recieved ant 0% offers at all...but i didnt get a $1000 CLI on 6 months...

Re: Barclay's auto CLI?

LS2982 — Tue, 15 May 2012 00:57:38 GMT

My 6th statement comes next month, could go 3 ways:

A.) - Nothing, life goes on.

B.) - Nice CLI YaY!!!!!

C.) AA because of new accounts

everyone vote and on 6/24/13 i'll post the results!!!!

Re: Barclay's auto CLI?

Anonymous — Tue, 15 May 2012 01:07:37 GMT

@LS2982 wrote:
My 6th statement comes next month, could go 3 ways:

A.) - Nothing, life goes on.

B.) - Nice CLI YaY!!!!!

C.) AA because of new accounts

everyone vote and on 6/24/13 i'll post the results!!!!

Can I get some odds on this? Any takers?

Re: Barclay's auto CLI?

clocktick — Tue, 15 May 2012 03:40:55 GMT

They auto CLIed me after a year having the card.

Re: Barclay's auto CLI?

Anonymous — Tue, 15 May 2012 03:58:16 GMT

@LS2982 wrote:
My 6th statement comes next month, could go 3 ways:

A.) - Nothing, life goes on.

B.) - Nice CLI YaY!!!!!

C.) AA because of new accounts

everyone vote and on 6/24/13 i'll post the results!!!!

Re: Barclay's auto CLI?

DVH1980 — Tue, 15 May 2012 11:42:53 GMT

I got a 1k auto after my sixth statement. This was just a couple months ago.

Re: Barclay's auto CLI?

pizzadude — Tue, 15 May 2012 12:47:51 GMT

I have a Barclay account for almost 3.5 years and have never received an auto CLI. But on the other hand they have never denied me when I have called in to request a CLI. YMMV.

Re: Barclay's auto CLI?

Anonymous — Tue, 15 May 2012 14:33:01 GMT

@LS2982 wrote:
My 6th statement comes next month, could go 3 ways:

A.) - Nothing, life goes on.

B.) - Nice CLI YaY!!!!!

C.) AA because of new accounts

everyone vote and on 6/24/13 i'll post the results!!!!

I vote A

I also opened my account in November, actually nov 22

I have gotten Discover like you did but has not reported yet

My 6th statement cut on 5/12 (ie first statement on 12/12/11 and there was nothing

Ps I just realized though even though i have 6 statements the 6 months isnt up til 5/22/12

Re: Barclay's auto CLI?

traveler2005 — Wed, 16 May 2012 04:42:25 GMT

Received my 6 month statement today, no auto CLI for me either. I will just be patient and wait until my year is here.

Re: Barclay's auto CLI?

jefftca925 — Wed, 16 May 2012 06:11:02 GMT

I've had my US Airways MC (3800 limit) since October of last year...no auto CLI. BUT!!! Just received a BT offer from them today offering 0% thru 8/2013 w/2% BT fee...this is the kicker... they also offered me a CLI up to $3400 if I BT to them. The amount I xfer would be the increase to my limit. Don't have anything to xfer but I do need some new windows in my house and 0% for that time period would be pretty good. Anyone get an offer like this and take them up on it? I don't really use the card much

Re: Barclay's auto CLI?

Anonymous — Wed, 16 May 2012 13:20:19 GMT

Not sure this will help, different cards, but my husband has the rewards card. 6th statement cut yesterday. Just checked and there was a auto cli there this morn. 1.5k to 2.7k.

We don't really use the card; low limit, meh rewards. Max balance has been a couple hundred. We always PIF, made multiple payments a month.

He's opened other accts since that one, as well as a small auto loan. No AA, tho they do soft him about once a mo, switching btwn TU and EX. Same for me and my son, who both have Apple. New accts, not being delicate in how we treat them, and other than softing us, nothing adverse yet.

I'll be hitting 6 mos in June. Will have to see if they do the same. It could be a card thing?