The BarclayCard CLI Soft Pull thread

[CreditCuriosity]

SM has a 0% promo Apr?  Did I miss something at one point?

[IFtkkdx428]

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@CreditCuriousity wrote:

SM has a 0% promo Apr?  Did I miss something at one point?

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I didn't know I had the 0% APR Promotion until I called. I applied last July, but didn't pay it any attention. It certainly wasn't an incentive. 

[CreditCuriosity]

Hmmm very interesting.. Must of been a promo back then?  Anyways that works..  Grats on that

[IFtkkdx428]

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@CreditCuriousity wrote:

Hmmm very interesting.. Must of been a promo back then?  Anyways that works..  Grats on that

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Apparently, I'm surprised Barclay even gives promotions. The Sallie Mae rewards practically sells itself! Thank you, I appreciate it! 

I didn't do much digging, however I found one myFICO member in particular who is in the same boat as me! I imagine with some more research that there are more of us.

Link: http://ficoforums.myfico.com/t5/Credit-Cards/Tried-to-lower-Sallie-Mae-APR/td-p/3134884

[SecretAzure]

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@IFtkkdx428 wrote:

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@CreditCuriousity wrote:

Hmmm very interesting.. Must of been a promo back then?  Anyways that works..  Grats on that

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Apparently, I'm surprised Barclay even gives promotions. The Sallie Mae rewards practically sells itself! Thank you, I appreciate it! 

I didn't do much digging, however I found one myFICO member in particular who is in the same boat as me! I imagine with some more research that there are more of us.

Link: http://ficoforums.myfico.com/t5/Credit-Cards/Tried-to-lower-Sallie-Mae-APR/td-p/3134884

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This forum is a good reminder that we are not alone in our goals or motives.

[Anonymous]

Hello all. Thank you for sharing your experience on this forum.

Yesterday I had 2 phone cals with Baclay about soft-pull CLI and lowering my APR

Call #1

I called and asked about any available offers for having soft-pull CLI and/or lowering my APR for me? And a Barclay's representative told me that there are no offers at all. And if I would like to, we will put HP and check me eligibility for CLI. 

Of course I declined this great opportunity

Call # 2 (5 mins later)

I called 5 mins later and asked another representative the same question and she told me that I am eligible for a soft-pull CLI and lowering APR. So they gave me $700 CLI and 23.99% APR

Long story short:

Original CL - $1,500.00

CLI - $700.00

CL after -$2,200.00

Original APR - 24.99%

APR after - 23.99%

[JSS3]

^^^^What a difference a few minutes make.

[Anonymous]

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@JSS3 wrote:
^^^^What a difference a few minutes make.

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Or the first one didn't want to do his job ;-) Because he even didn't check anything, just tol me: "No sir, you're not eligible"

[SecretAzure]

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@teroff wrote:

Hello all. Thank you for sharing your experience on this forum.

Yesterday I had 2 phone cals with Baclay about soft-pull CLI and lowering my APR

Call #1

I called and asked about any available offers for having soft-pull CLI and/or lowering my APR for me? And a Barclay's representative told me that there are no offers at all. And if I would like to, we will put HP and check me eligibility for CLI. 

Of course I declined this great opportunity

Call # 2 (5 mins later)

I called 5 mins later and asked another representative the same question and she told me that I am eligible for a soft-pull CLI and lowering APR. So they gave me $700 CLI and 23.99% APR

Long story short:

Original CL - $1,500.00

CLI - $700.00

CL after -$2,200.00

Original APR - 24.99%

APR after - 23.99%

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A) Thank you for trying this

B) Thank you for not giving up after your first attempt

C) Congratulations!! This is a sign that this continues to work for people and makes people who felt "stuck" with barclays much happier about their cards

[Anonymous]

I will be calling right when i get off work (330pm San Diego CA time) and report back.

History - Got NFL card back in 2012 with $1000 CL, Auto CLI 6 months after to $3k, then Auto CLI 6 months after that to $4050 CL.  Both auto CLIs were HPs (wihch i didnt approve for obviously), I can probably use that as a levarage to make them do a SP and APR reduction.  Now my NFL has a $500 CL because i moved the rest to my arrival plus.

Stand by...