Barclay CC let's put our heads together

[djc1puno]

here's mine...

-opened: feb 2013

-cl: 1300

-arried a balance all these months...with highest reported at 1260 (bad timing...both of my kids birthdays and didn't pay it down til after the cut off date)

-current balance about 100

-after 5 months still no CLI, but i'm hoping by the 6tth statement

-put about 20 transactions per month

-2 new inqs: 1 for a capone cli in march; another in june for banking (penfed)

-1 new account after approval: student loan consolidation

-scores have jumped about 60 pts on each cr since application

hope this helps buddy

[djc1puno]

oh...and they've pulled each of my cr since then....with the last being on EQ

[myjourney]

---

@djc1puno wrote:

here's mine...

-opened: feb 2013

-cl: 1300

-arried a balance all these months...with highest reported at 1260 (bad timing...both of my kids birthdays and didn't pay it down til after the cut off date)

-current balance about 100

-after 5 months still no CLI, but i'm hoping by the 6tth statement

-put about 20 transactions per month

-2 new inqs: 1 for a capone cli in march; another in june for banking (penfed)

-1 new account after approval: student loan consolidation

-scores have jumped about 60 pts on each cr since application

hope this helps buddy

---

I hope so too

[enharu]

Got my Barclays Arrival April 2013.

I am at approx 45-50% utilization right now. 

Barclays card is at bout 3-5% utilization (don't really use it much, just for random stuff that doesn't fall under any bonus category. using it solely to show usage). 

2 other cards maxed out.

No AA (yet) on any card.

This is just a one time thing though. Was trying to let some cards report a high "high balance" and used some others at a wrong timing.

New statement for Discover, Freedom, Amex, US Bank and Citi cuts latter this week, CSP next. Everything should report 0 balance by the end of the month except for WF, Chase Amazon and Barclays.

Hopefully I can survive past this month.

[myjourney]

---

@enharu wrote:

Got my Barclays Arrival April 2013.

I am at approx 45-50% utilization right now. 

Barclays card is at bout 3-5% utilization (don't really use it much, just for random stuff that doesn't fall under any bonus category. using it solely to show usage). 

2 other cards maxed out.

No AA (yet) on any card.

This is just a one time thing though. Was trying to let some cards report a high "high balance" and used some others at a wrong timing.

New statement for Discover, Freedom, Amex, US Bank and Citi cuts latter this week, CSP next. Everything should report 0 balance by the end of the month except for WF, Chase Amazon and Barclays.

Hopefully I can survive past this month.

---

Thanks I think you will be fine 

[enharu]

hopefully!

I'm checking my account everytime I read one of those AA stories lol.

[FinStar]

---

@enharu wrote:

hopefully!

I'm checking my account everytime I read one of those AA stories lol.

---

I think you should be fine enharu.  I check mine periodically as well... just in case :-)

[myjourney]

---

@FinStar wrote:

---

@enharu wrote:

hopefully!

I'm checking my account everytime I read one of those AA stories lol.

---

I think you should be fine enharu.  I check mine periodically as well... just in case :-)

---

I guess i'm in ...I did too until they gave me the auto CLI....now I just say they wil do what they do...Lol

[compassion101]

My situation may seem a bit strange for a CLI.

Apped in jul '12 for barclay reward mastercard approved for 5k with 0% BT and purchases for 15 months. Transferred 4k in first month. Every month since then I use it for about 400-800 in purchases and pay it back down to 4k after statement. Have never requested a CLI, but after 12 months I got a letter saying approved for a CLI to 8k. I was kinda surprised given the high util (I can pay off all my balances tomorrow if I wanted to, but I doubt Barclays know that) but happy because I like the card and will continue to use it, particularly for groceries and utilities and gas when chase/discover don't have the 5% deals. I was planning to use it a little more after I paid down the balance when the 0% goes away, but now with the extra 3k increase I can use it a little more now.

I have about 40% total util and 85% on barclay before the increase. All my util is at 0% interest and I make good financial use of the extra cashflow, but I have the money to pay everything off tomorrow if I chose to. I plan to pay off the Barclaycard in full after the 0% expires and probably use it more in my rotation of chase/discover/barclay. In fact, with Chase getting rid of the 10/10 Barclays may soon become my #1 monthly usage.

[myjourney]

---

@compassion101 wrote:

My situation may seem a bit strange for a CLI.

Apped in jul '12 for barclay reward mastercard approved for 5k with 0% BT and purchases for 15 months. Transferred 4k in first month. Every month since then I use it for about 400-800 in purchases and pay it back down to 4k after statement. Have never requested a CLI, but after 12 months I got a letter saying approved for a CLI to 8k. I was kinda surprised given the high util (I can pay off all my balances tomorrow if I wanted to, but I doubt Barclays know that) but happy because I like the card and will continue to use it, particularly for groceries and utilities and gas when chase/discover don't have the 5% deals. I was planning to use it a little more after I paid down the balance when the 0% goes away, but now with the extra 3k increase I can use it a little more now.

I have about 40% total util and 85% on barclay before the increase. All my util is at 0% interest and I make good financial use of the extra cashflow, but I have the money to pay everything off tomorrow if I chose to. I plan to pay off the Barclaycard in full after the 0% expires and probably use it more in my rotation of chase/discover/barclay. In fact, with Chase getting rid of the 10/10 Barclays may soon become my #1 monthly usage.

---

Wow 

I do see one trend so far Barclay seems to give CLI's if carrying a balance even tho it's at 0%....hummm 

Thanks