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Applying for Barclays CLI

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CreditJim
Established Contributor

Applying for Barclays CLI

I got my Arrival + in June 2014, reccon'd the starting limit to $15k. Later I closed my Apple financing and folded the limit into the Arrival to give it $17.2k. When I opened my US Airways in December they made me move $5k from the Arrival to open my US Air, so my Arrival sits at 12.2k. I was carrying a balance of around $7k on it at the time (0%).

 

I've been thinking about applying for a CLI on the Arrival. This month my TU score shot up by quite a lot to 752. 1 inq on TU. Total utl around 2%. Balance on the Arrival is now $900. Not sure what my chances would be of getting any extra 4 months after they last evaluated, although I've paid down the large balance and my score has gone up.

Quicksilver 51k | Discover It $45k | Bonvoy Business $38k | Lowe's $35k | Costco $33.5k | SWACU $30k | Ink Preferred $28k | USAA Rewards $25k | Ink Cash $22.5k | Ink Preferred $22k | Amex Blue Business Plus $17k | Freedom Flex $16k | Freedom $14k | CSR $10k | Amazon Store $10k | Amazon Business $3k | REI $3k
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3 REPLIES 3
Anonymous
Not applicable

Re: Applying for Barclays CLI

Last time I initiated a CLI they did a hardpull, FYI. 

Message 2 of 4
CreditJim
Established Contributor

Re: Applying for Barclays CLI

Yeah, I'm only thinking about doing it because I'm going on a month-long trip to Europe next month. I think I'll just leave it be for now, I don't want any inqs.

Quicksilver 51k | Discover It $45k | Bonvoy Business $38k | Lowe's $35k | Costco $33.5k | SWACU $30k | Ink Preferred $28k | USAA Rewards $25k | Ink Cash $22.5k | Ink Preferred $22k | Amex Blue Business Plus $17k | Freedom Flex $16k | Freedom $14k | CSR $10k | Amazon Store $10k | Amazon Business $3k | REI $3k
Message 3 of 4
TRC_WA
Senior Contributor

Re: Applying for Barclays CLI

Yeah... if you initiate the CLI request it's a HP.

 

Auto luv is SP.

 

Gotta love Barclay's...

FICO8 current as of : 4-6-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24
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