Barclay's makes me laugh

[Anonymous]

The other part of Sufficient credit is available on your account issued by Barclays Bank Delaware is for your credit profile. My Sallie Mae is my lowest limit card, and I can't beg an increase out of them.

[JamP]

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@Anonymous wrote:

The other part of Sufficient credit is available on your account issued by Barclays Bank Delaware is for your credit profile. My Sallie Mae is my lowest limit card, and I can't beg an increase out of them.

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I agree with every statement in this thread. CAPTOOL said it best "I can't beg an increase out of them"

I've ran it 50% or more for months and nothing.

Half tempted to close my Sallie Mae but we tend to use it for the categories and then some. I took a HP for a increase and got about the same response.

Once I find a 5% Grocery and Amazon card, this one might sit in the sockdrawer indefinitely.

[Anonymous]

Closing cards that are useful because you can't get a CLI isn't a good mentality to have. The CL shouldn't determine usage. One of my lowest CL cards is my most used

[Pway]

I understand that. I'm not going to close the card, I'm just frustrated with them. They used to get a lot of usage now they will get little usage. This card used to be my daily driver but I hate making multiple month payments. I can use my capital one and not worry about my util or having a maxed out card.

[Pway]

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@Anonymous wrote:
Idk you seem quite exposed with them. They have half a paycheck in credit with you... Quite ballsy

I know right. They are something else. 

[Anonymous]

Pway my post was to JamP not you ha

[JamP]

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@Anonymous wrote:
Closing cards that are useful because you can't get a CLI isn't a good mentality to have. The CL shouldn't determine usage. One of my lowest CL cards is my most used

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The CL does determine usage to an extent because of the util. I can make multiple payments a month but it would be nice to have a higher CL so the util isn't so high.

Eventually we all have to make a decision to keep low cl cards or cancel them. The only reason I have not closed my Sallie Mae is we still use the rewards and they took a chance on me when I was rebuilding.

Just the way I look at it.

[Anonymous]

A CL will never determine my usage and that is pretty standard to most. Even if you have to make multiple payments if the rewards are worth it then just do it. And utilization on that card is only reported once a month so, in essence, paying before statement cuts shouldn't be an issue. Auto CLIs can happen with Barclays (even if you've aggressively seeked credit)

[thummel]

Barclay in my opinion needs to relax on there underwriting a little in my opinion. I applied for there ring card with a 760 TU and a perfect spotless report. They could only find one reason to decline me. But soon after I joined a credit union and that was the end of that story.

[Anonymous]

They are similar to discover in the fact they want to be your "main squeeze" if you will. If you have a ton of cards then they see no reason to issue more credit (understandably) or the need to go above and beyond. You can't expect girl X to go through hoops when you have girls A-W