Barclay declined CLI :(

[klarso11]

My Barclay Rewards card has been used a lot 10% to 75% of limit. PIF sometimes but not always. At 6th statement they bumped cl from $2K to $3.3K. Not my highest limit but no issues with Barclay.

[Anonymous]

Is it a HP with Barclay when you ask for a CLI?

[SouthJamaica]

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@Anonymous wrote:
They declined my request, I've been a card member for 3 years and I've been at the same CL for that time. I'm sure it's because I have carried a 90% utilization until this month. I asked yesterday because I was at 200/1300. I can't apply for any other cards because my other cards utilization is high so my only hopen for better appearing overall card utilization is a CLI.
My plan of action was to try to contact the EO for portfolio review. If that doesn't work what plan of action should I do?

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The plan is simple.

1. Consistently maintain your account at 35% or lower average balance and pay it down frequently (it's the average balance, not the posted balance, that counts for this purpose)

2. On your 6th statement cut you'll probably get an auto CLI

3. If you don't, call up customer service and ask if you're eligible for an interest rate reduction... they will switch you to a credit analyst... after the credit analyst either gives you the interest rate deduction, or not, ask the credit analyst if you're eligible for a soft pull credit limit increase... they will probably give you one.

I bet you'll have a higher credit limit if you follow this plan.

[Anonymous]

I'm really hoping for a good CLI too. I run about 1000 through it a month. PIF well before the due date. I actually pay it before the statement cut date. But I don't want to take a HP to get a CLI when I have cards in my wallet with higher SL.
I have the Apple rewards, 2200 SL. I already have a stack of 25$ gift cards they've set me.

[Anonymous]

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@SouthJamaica wrote:

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@Anonymous wrote:
They declined my request, I've been a card member for 3 years and I've been at the same CL for that time. I'm sure it's because I have carried a 90% utilization until this month. I asked yesterday because I was at 200/1300. I can't apply for any other cards because my other cards utilization is high so my only hopen for better appearing overall card utilization is a CLI.
My plan of action was to try to contact the EO for portfolio review. If that doesn't work what plan of action should I do?

---

The plan is simple.

1. Consistently maintain your account at 35% or lower average balance and pay it down frequently (it's the average balance, not the posted balance, that counts for this purpose)

2. On your 6th statement cut you'll probably get an auto CLI

3. If you don't, call up customer service and ask if you're eligible for an interest rate reduction... they will switch you to a credit analyst... after the credit analyst either gives you the interest rate deduction, or not, ask the credit analyst if you're eligible for a soft pull credit limit increase... they will probably give you one.

I bet you'll have a higher credit limit if you follow this plan.

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+1. I would also add that it helps to run lots of transactions/ swipes through the card, and to make large payments. Good luck!

[Anonymous]

To the OP, check in my name for a thread I started about Barclay denying me. You can read there my exact process and what was said to get my approval.

[Anonymous]

Thank you all for the advice. I will have a fun time using this card and seeing what all I can do. The last month to get the card down to where it is, I have been making large payments. I just now starting to use the card and pay it back all while staying under 30% uti.