topic Re: Tempted to press luv button on barclaycard in Credit Cards

Tempted to press luv button on barclaycard

Lambo23 — Mon, 01 Apr 2013 22:30:18 GMT

Barclay was good to me 11 months ago approving me for apple financing of 1500$ for a MacBook. I have used the card a few times for other large purchases as well... One was a cash advance for 800$ that I paid off within a month while still makin payments of 100$ for the laptop. At 6 months they auto raised my limit from $1500 to $2500. I paid my rent the next month on the card and paid off next statement. Right now I only owe them $300/$2500. I logged onto my account and noticed a credit limit increase button. I am so tempted to press it!
Will it be a hard pull?

Also, I recently aquired Amex BCE, Chase Freedom, and discover IT all last week. Will this scare them? And possibly just make things worse by me asking for a CLI?

The temptation is strong! Lol

Re: Tempted to press luv button on barclaycard

LS2982 — Mon, 01 Apr 2013 22:32:43 GMT

@Lambo23 wrote:
Barclay was good to me 11 months ago approving me for apple financing of 1500$ for a MacBook. I have used the card a few times for other large purchases as well... One was a cash advance for 800$ that I paid off within a month while still makin payments of 100$ for the laptop. At 6 months they auto raised my limit from $1500 to $2500. I paid my rent the next month on the card and paid off next statement. Right now I only owe them $300/$2500. I logged onto my account and noticed a credit limit increase button. I am so tempted to press it!
Will it be a hard pull?

Also, I recently aquired Amex BCE, Chase Freedom, and discover IT all last week. Will this scare them? And possibly just make things worse by me asking for a CLI?

The temptation is strong! Lol

Yes, it will be a HP. Be prepared for a manual review if you ask for a CLI, most cases where the customer apped for alotr of new accounts and asked for a HP CLI with Barclays ended up with some kind of AA (CLD, closure).

I would wait if I were you.

Re: Tempted to press luv button on barclaycard

Lambo23 — Mon, 01 Apr 2013 22:45:44 GMT

Ya I know I will stay strong then. You're right. Barclay is so odd. I don't want to piss them off. Maybe they will auto me after 1 year in a couple months. Thanks LS.

Re: Tempted to press luv button on barclaycard

LS2982 — Mon, 01 Apr 2013 22:54:44 GMT

@Lambo23 wrote:
Ya I know I will stay strong then. You're right. Barclay is so odd. I don't want to piss them off. Maybe they will auto me after 1 year in a couple months. Thanks LS.

I'd check up on it right before your 13th statement, if they're going to auto luv you, it would happen around that time.

Re: Tempted to press luv button on barclaycard

SpecFile — Tue, 02 Apr 2013 00:19:37 GMT

Lambo, they gave me auto luv at the 6 month and 1 year mark!! I haven't asked for a dime. Wait till you're at the 1 year mark and you'll feel the luv too!

Re: Tempted to press luv button on barclaycard

Lambo23 — Tue, 02 Apr 2013 00:49:50 GMT

Thanks brothers. Appreciate you talking sense into me guys lol

Re: Tempted to press luv button on barclaycard

Lambo23 — Mon, 08 Apr 2013 02:00:35 GMT

So, my card says opened 5/12. 12 statements have now posted. Is it considered a year old yet? Or in may? I'm assuming not til may when the 11th statement cuts. Anyways, just opened 3 accounts and those aren't showing yet. I'm not positive if they will auto CLI so maybe requesting an increase now would be better? I want to go from 2500 to 5000. I plan on purchasing 2 iPhones when the new ones come out so I could use that excuse if needed. If denied now, is it possible to get the auto next month??

Re: Tempted to press luv button on barclaycard

Anonymous — Mon, 08 Apr 2013 02:15:25 GMT

@LS2982 wrote:

Yes, it will be a HP. Be prepared for a manual review if you ask for a CLI, most cases where the customer apped for alotr of new accounts and asked for a HP CLI with Barclays ended up with some kind of AA (CLD, closure).

I would wait if I were you.

"most cases"? I think this is a YMMV case, and the people who get AA post, so we don't see good ones. Though I agree with the advice.

Re: Tempted to press luv button on barclaycard

Anonymous — Mon, 08 Apr 2013 02:19:47 GMT

Here's my history with barclay's to give you a little more info....opened priceline visa 1/2012, recon success on second call for 2000, no love @ 6-month mark (no new accts opened either during 1st 6-months) so the week after the 6-month mark with no auto-luv, i hit the button, requested $4500 total, they instantly countered with $3580, Done, accepted! (yes, hp though).......only 4-months ago by again and no new accts opened, I wanted to hit it again and I did, requested $6500 total this time, no instant response, but the very next day, it shows, new cl=$5000, so they countered again, but at the 4-month mark.....Right now it has been another 4-months since last request, with 5-new accounts reporting, luv button is there again, but I want NO MORE HP's so staying away till 6-month mark to see if its auto, good luck

Re: Tempted to press luv button on barclaycard

Lambo23 — Mon, 08 Apr 2013 02:37:23 GMT

I highly doubt when my new account report that they will auto me. So I would rather hit it now I think.

Re: Tempted to press luv button on barclaycard

Anonymous — Mon, 08 Apr 2013 03:16:21 GMT

update!! since i read this thread, you got me thinking of my dw barclays world mastercard that she opened up exactly 6-months and 2-weeks ago, we checked her account, no auto-luv...Her cl is $1500 w/ a 1200 balance so utility is high, she only likes making minimum or barley over, but we hit the luv button together, ask for an additional $2500, and instantly countered with $2130 total cl, so they raise her $630 on the spot, but i know it would have been much more had her utility been around 10% and not 80% cause her credit profile is stronger than mine, again good luck!

Re: Tempted to press luv button on barclaycard

Lambo23 — Mon, 08 Apr 2013 03:40:58 GMT

Thanks for the responses! When you go to the page to request an increase, do you enter the increase amount? So if I want 2k increase then I enter 2k? Or do I enter the total of the current amount plus 2k? The instructions and wording are pretty vague.

Re: Tempted to press luv button on barclaycard

Anonymous — Mon, 08 Apr 2013 03:46:59 GMT

I just took part of the verbiage from my page and it reads as follows: "Additional credit line amount requested" and when we did my dw a little while ago, we put in $2500 because that is what we wanted to increase it by 2500, so yes, what ever amount you put in there is the amount you would like to increase it by, at least thats the way were reading it.

Re: Tempted to press luv button on barclaycard

toppers555 — Mon, 08 Apr 2013 04:41:56 GMT

GL but if you have alot of inquires or new accounts would wait. I been AA by barclay in past for NFL card for asking for increase. Funny though they instead apporved me for ring in beginning of march , but I didn't leave it open , but I can still access the ring community, and get emails.

Re: Tempted to press luv button on barclaycard

Lambo23 — Mon, 08 Apr 2013 06:43:13 GMT

I pressed it.....

"Got the under review and I will receive a call within 48 hours" message. CL right now is $2500. Asked for $3500 more. LOL why not make the best out of a HP??

Re: Tempted to press luv button on barclaycard

SpecFile — Mon, 08 Apr 2013 08:58:09 GMT

Ah man, I sent you a message about the auto CLI next month. If you use the card regularly, you should see the auto CLI 5/13. You could have saved a HP by waiting 3 more weeks. If no auto in 3 weeks, then you could have hit the button. Oh well, I tried. Good luck with the CLI. Hope you get it!!

Re: Tempted to press luv button on barclaycard

Lambo23 — Mon, 08 Apr 2013 12:43:58 GMT

I received a voicemail from a lady saying they aren't able to match what I asked (3500 more) but they gave me a partial Increase. I logged on and see my limit went from 2500 to 3500. So 1k increase. Not bad.

Re: Tempted to press luv button on barclaycard

Anonymous — Mon, 08 Apr 2013 12:54:17 GMT

grats! hopefully i get my CLI soon too

how long does auto CLI take?

Re: Tempted to press luv button on barclaycard

Anonymous — Mon, 08 Apr 2013 13:30:51 GMT

counter-offers are a good thing too....As stated on my last try, it wasnt instant, but showed up the next day, plus, this card is my daily driver, lots of usage, good payments, etc. so when we get no auto-luv, we must do what we must and hit the buzzer ourselves...Congrats on the $1k increase

Re: Tempted to press luv button on barclaycard

SpecFile — Mon, 08 Apr 2013 17:46:52 GMT

@Anonymous wrote:
grats! hopefully i get my CLI soon too
how long does auto CLI take?

I received auto CLI at 6 months and 12 months.