@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:Called the EO, and told them I have NEVER had a auto CLI. I have run ten of thousands of dollars through them and made payments of 5-6k each time, always carrying a small balance, and only making the payments after the statement cut to show A LOT of useage. They basically told me "oh well, just keep doing what you are doing and I am sure something will happen" ? Yeah like me closing my card. My limits with PF is 45k and CO is 16.7k and USX is 15k and my highest APR with those is 15.15 with CO and as low at 10.24 with PF. Their rate is 25.99, HAHA. If it wasn't my oldest card I without question would close it. It just seems there is 0 appreciation. Maybe i am just venting or even wrong but that is my impression. Thanks for letting me vent. WOOSAAH.
SP CLI's are not a "right" for any of us. I would not compare CU limits against traditional big bank lenders, CU's tend to be far more generous when it comes to CL's (as you referenced PFCU). If you had been patient and waited until your scores were over 700 I would bet you would have different results (and yes I am aware of Barclay's being a TU puller but do they ever SP the others?).
Completely agree that they are not a right, however in that same breath. The APR is asinine and the fact that in almost two years they have NEVER even done a SP, I looked on my inquiries report. I also think that my credit file means more than just score, wouldn't you agree ????????/
Have you tried the trick where you call in and ask for an APR reduction? May be a way to get a SP CLI.. I called in and got a MAJOR decrease on my rate, just a thought 
Jump to the end of that thread and there is a lot of info.
@Scupra wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:Called the EO, and told them I have NEVER had a auto CLI. I have run ten of thousands of dollars through them and made payments of 5-6k each time, always carrying a small balance, and only making the payments after the statement cut to show A LOT of useage. They basically told me "oh well, just keep doing what you are doing and I am sure something will happen" ? Yeah like me closing my card. My limits with PF is 45k and CO is 16.7k and USX is 15k and my highest APR with those is 15.15 with CO and as low at 10.24 with PF. Their rate is 25.99, HAHA. If it wasn't my oldest card I without question would close it. It just seems there is 0 appreciation. Maybe i am just venting or even wrong but that is my impression. Thanks for letting me vent. WOOSAAH.
SP CLI's are not a "right" for any of us. I would not compare CU limits against traditional big bank lenders, CU's tend to be far more generous when it comes to CL's (as you referenced PFCU). If you had been patient and waited until your scores were over 700 I would bet you would have different results (and yes I am aware of Barclay's being a TU puller but do they ever SP the others?).
Completely agree that they are not a right, however in that same breath. The APR is asinine and the fact that in almost two years they have NEVER even done a SP, I looked on my inquiries report. I also think that my credit file means more than just score, wouldn't you agree ????????/
Have you tried the trick where you call in and ask for an APR reduction? May be a way to get a SP CLI.. I called in and got a MAJOR decrease on my rate, just a thought
Jump to the end of that thread and there is a lot of info.
This is by far the easiest way to get SP CLIs from Barclays. I've done it 4 times now and everytime they have reduced my APR (even if just a little) and given sizable CLIs via SP.
My experience with them is similar on the limits vs spend. I was also AA's after using a BT and paying it off after a few months. I understand each situation is different and ymmv. So, I think you have to make the decision on how to move forward, based on what makes sense for you.
@Anonymous wrote:
@Anonymous wrote:Called the EO, and told them I have NEVER had a auto CLI. I have run ten of thousands of dollars through them and made payments of 5-6k each time, always carrying a small balance, and only making the payments after the statement cut to show A LOT of useage. They basically told me "oh well, just keep doing what you are doing and I am sure something will happen" ? Yeah like me closing my card. My limits with PF is 45k and CO is 16.7k and USX is 15k and my highest APR with those is 15.15 with CO and as low at 10.24 with PF. Their rate is 25.99, HAHA. If it wasn't my oldest card I without question would close it. It just seems there is 0 appreciation. Maybe i am just venting or even wrong but that is my impression. Thanks for letting me vent. WOOSAAH.
SP CLI's are not a "right" for any of us. I would not compare CU limits against traditional big bank lenders, CU's tend to be far more generous when it comes to CL's (as you referenced PFCU). If you had been patient and waited until your scores were over 700 I would bet you would have different results (and yes I am aware of Barclay's being a TU puller but do they ever SP the others?).
Don't be so sure. They played a really nice game on me a few months ago. Inq's disappeared from TU, last baddies fell off and score hit 700+ Asked for a HP cli, guess what happened...! They pulled EX for a cli even though they had pulled TU for the application initially. CLI was a no go and i learned my lesson I am on the same boat with OP, for the first few months i sepnt an avarage $5K+ on a $2K limit card and almost the same spending with a $1K limit card. Only got $400 auto cli on the $2K card, and thats it. Now i am paying them down to get an auto cli on the MC as well, then close it and combine the limits to have one Apple card with a better limit. And will probably SD it.
Have you tried the trick where you call in and ask for an APR reduction? May be a way to get a SP CLI.. I called in and got a MAJOR decrease on my rate, just a thought
Jump to the end of that thread and there is a lot of info.
I'm going to have to try this.