topic Re: High CL with Barclays? in Credit Cards

High CL with Barclays?

Anonymous — Fri, 18 Oct 2013 04:00:42 GMT

How common is it for Barclays to issue $10K, 15K, or even 20K+ CL? They seem to have a stigma of being stingy so I'm curious how many here have high CLs with them.

Re: High CL with Barclays?

UFGuy2006 — Fri, 18 Oct 2013 04:20:00 GMT

I have a 15 k priceline card and a 10 k us air card... The 10k card was an instant approval online.

Re: High CL with Barclays?

youngandcreditwrthy — Fri, 18 Oct 2013 04:58:38 GMT

I saw a $25k cl on a Credit Report at my job. The person had an 803 FICO! And like two Amexes with $25k each! Lol

Re: High CL with Barclays?

shane82388 — Fri, 18 Oct 2013 05:22:36 GMT

i started at $2300 on my Apple Barclays card and get a $1000 CLI automatically roughly every 6 months....im at $5300 right now after a few years.

Re: High CL with Barclays?

tray — Fri, 18 Oct 2013 05:30:48 GMT

I have a B&N Mastercard with a 13,500.00 limit, it was at 10,000 but closed my apple visa with a 3,500 limit and was able to transfer whole cl without any problems.

Re: High CL with Barclays?

FinStar — Fri, 18 Oct 2013 06:19:18 GMT

Barclays does issue high CLs but it appears generally for folks with optimal credit files, positive history, mid-to-high income and whatnot. My US Airways WMC is $12,500 while my Travelocity AMEX is $14,200. Like Discover, Barclays just happens to be very conservative.

Re: High CL with Barclays?

Meltdownblitz — Fri, 18 Oct 2013 06:44:16 GMT

I agree, Barclays seems very conservative. I recently requested a CLI from my inital 4500 to 10k in 5 months but I maxed the 4500 then paid it almost off within those 5 months. The anaylst mentioned I had other lines around and above 10k but I wasn't making "full use of them" so she was only able to give me the 10k I requested with barclays for now and if I used much of the credit line they might be able to raise it. So it seems they aren't a lender that likes to give high lines unless they see you "using" much of the CL. In my eyes, it seems responsible that you have high lines but aren't "using" much of the CL, and what you do use, you PIF and which also helps with UTL and such. I guess Barclays sees it differently.

Re: High CL with Barclays?

Creditaddict — Fri, 18 Oct 2013 07:28:41 GMT

They are so bi-polar sometimes because I feel like I hear that a lot about them saying you aren't using your lines so we don't want to give you more

but then on the flip side you use lines and they take away theirs!

my partner got $15k instant on Business Barclay.... at 4 or so months that was CLD to $6450 I think it is because of increased debt on other accounts. I tried to have it reset then but have not talked to them since....

My mom had a Business BankAtlantic back many years ago and it was instant $20k online but they don't offer that card anymore.

Re: High CL with Barclays?

lg8302ch — Fri, 18 Oct 2013 07:58:42 GMT

I got 10K on my Arrival wmc and this being new card #6 in less than 6 months ... LOL

Re: High CL with Barclays?

Exonumist — Fri, 18 Oct 2013 08:04:29 GMT

I know of someone that has a $25k limit. Granted it's an old trade line, he's retired in his sixties, and he has zero debt. I don't know what his FICO is..Though I'm sure it's well into the 800s.

Re: High CL with Barclays?

mxp114 — Fri, 18 Oct 2013 08:16:08 GMT

Opened my Arrival in April and it's now $30,000. No plans to CLI anytime but they are known to be conservative.

Re: High CL with Barclays?

OhioCPA — Fri, 18 Oct 2013 11:17:48 GMT

My US Airways card came with a starting limit of $17,500 in August. They seemed to split the limit on my two highest limit cards, Amex at $25,000 and a bunch at $10,000.

I also opened a Discover IT and Citi AAdvantage card around the same time. The Citi card matched the Barclays card but Discover is at $5,000.

Re: High CL with Barclays?

Anonymous — Fri, 18 Oct 2013 11:53:20 GMT

Granted - do not have the high limits of what which you write, but I have not experienced Barclay being conservative at all - Got US Airways in 1/12 with BK showing - They increased my CL 2x before I even got the card - It has been auto increased 2x since then - Went from $1000 to $6200 in 1.5 years. Recently approved for Arrival for $7500. If auto CLI pattern plays out - I am due a nice increase on the first card in Jan or Feb.

Re: High CL with Barclays?

Anonymous — Fri, 18 Oct 2013 13:12:20 GMT

My Priceline is a 20K card. Approved initially for maybe 7500 and got a CLI at activation to 12500. A year later I asked for 20000 and got it. Nothing though in the last 3-4 years though.

Re: High CL with Barclays?

youngandcreditwrthy — Fri, 18 Oct 2013 14:16:12 GMT

My Travelocity Amex has a $7700 cl. I refuse to use it any more for every day spend until they auto cli it to at least $10,000. Lol

Re: High CL with Barclays?

Anonymous — Fri, 18 Oct 2013 15:45:29 GMT

Interesting info, thanks everyone. I got my first card with them recently and like another poster they seemed to split my highest and next highest CL. No issues so far with them and enjoying the rewards.

Re: High CL with Barclays?

Anonymous — Fri, 18 Oct 2013 17:08:53 GMT

Also seems to vary a lot for an individual. I had an $18K CL on my US Air card, which I closed after a year or so. Later, I applied for Barclays Reward, and my credit was pretty much the same as when I got the US Air card, my Rewards card got a massive $4.7K limit, my lowest in 20 years.