The BarclayCard CLI Soft Pull thread

[gurusexy]

Called in and asked for doubling of my SM MC limit of 6k to 12k. Asked for soft pull. Was asked about job, employer and income ....put on hold and asked a few questions about some recent cards and installment loans....put on hold again.. was countered to 10k.. utilization under 20% and annual income of 117k.

One interesting thing to note was the analyst said something about me already having a number of high limit cards hence not giving me the full 6k increase asked for.

Got this card back in July 2014 or so.... rolled over the limit from an older barclaycard sometime in october 2014..... Put the card to heavy use.. used it as my primary fundng source for my serve card to pay my mortgage and a number of purchases (for 5% cach back).. carried balances some months, and currently at 0 balance. still on promotional 0% APR period. I also get balance transfer checks from them every month like clockwork...

[barthooper]

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@SecretAzure wrote:

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@Anonymous wrote:
They are retention offers. This is why they are "hidden.

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Makes sense but how do some get offered them and some not? A lot of people got these offers within the first 6 months of getting their card...it's not hard to convince newer people to stay...is it? Idk.

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I have additional questions about this. If they are retention offers, why are some people getting told by the CSRs/Relationship Specialists to check periodically for offers on their account. It seems weird from Barclays perspective to recommend this. Also do they automatically assume you're thinking of closing the account because you've called up about reducing your APR or trying to get a SP CLI? Why can't a customer be calling because they aren't planning to close but just want to get more value out of their card and receive such things for being a cardholder?

[CreditCuriosity]

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@barthooper wrote:

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@SecretAzure wrote:

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@Anonymous wrote:
They are retention offers. This is why they are "hidden.

---

Makes sense but how do some get offered them and some not? A lot of people got these offers within the first 6 months of getting their card...it's not hard to convince newer people to stay...is it? Idk.

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I have additional questions about this. If they are retention offers, why are some people getting told by the CSRs/Relationship Specialists to check periodically for offers on their account. It seems weird from Barclays perspective to recommend this. Also do they automatically assume you're thinking of closing the account because you've called up about reducing your APR or trying to get a SP CLI? Why can't a customer be calling because they aren't planning to close but just want to get more value out of their card and receive such things for being a cardholder?

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Cause credit is a game of chess...  Some people think it is a game, other people get offended people calling it a game..  In reality IMO credit is a game, you can't show all your cards either side.  The more you learn about it, the better you get at it.  If they can charge you a higher APR% and give you less credit and you don't know better, why would they provide this to you?  They make more money off you with a higher APR% and mitegate their risks with a lower CL.

With that said I got SP'ed by Barclay's yesterday.. Could be my auto loan shopping cause of new inquiries or just checking up on me after my recent SM app..  Needles to say I will be calling in today again and asking for an APR reduction and a SP CLI even though I have only had the card a week?  Worth a try as they have the most recent info on me

[SecretAzure]

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@CreditCuriousity wrote:

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@barthooper wrote:

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@SecretAzure wrote:

---

@Anonymous wrote:
They are retention offers. This is why they are "hidden.

---

Makes sense but how do some get offered them and some not? A lot of people got these offers within the first 6 months of getting their card...it's not hard to convince newer people to stay...is it? Idk.

---

I have additional questions about this. If they are retention offers, why are some people getting told by the CSRs/Relationship Specialists to check periodically for offers on their account. It seems weird from Barclays perspective to recommend this. Also do they automatically assume you're thinking of closing the account because you've called up about reducing your APR or trying to get a SP CLI? Why can't a customer be calling because they aren't planning to close but just want to get more value out of their card and receive such things for being a cardholder?

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Cause credit is a game of chess...  Some people think it is a game, other people get offended people calling it a game..  In reality IMO credit is a game, you can't show all your cards either side.  The more you learn about it, the better you get at it.  If they can charge you a higher APR% and give you less credit and you don't know better, why would they provide this to you?  They make more money off you with a higher APR% and mitegate their risks with a lower CL.

With that said I got SP'ed by Barclay's yesterday.. Could be my auto loan shopping cause of new inquiries or just checking up on me after my recent SM app..  Needles to say I will be calling in today again and asking for an APR reduction and a SP CLI even though I have only had the card a week?  Worth a try as they have the most recent info on me

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We have someone who verified that a soft pull they used for his/her CLI was about 2 months old, so they do, in fact pull the latest one available to them but do not necessarily do a soft pull at the time of the call.

[barthooper]

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@CreditCuriousity wrote:

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@barthooper wrote:

---

@SecretAzure wrote:

---

@Anonymous wrote:
They are retention offers. This is why they are "hidden.

---

Makes sense but how do some get offered them and some not? A lot of people got these offers within the first 6 months of getting their card...it's not hard to convince newer people to stay...is it? Idk.

---

I have additional questions about this. If they are retention offers, why are some people getting told by the CSRs/Relationship Specialists to check periodically for offers on their account. It seems weird from Barclays perspective to recommend this. Also do they automatically assume you're thinking of closing the account because you've called up about reducing your APR or trying to get a SP CLI? Why can't a customer be calling because they aren't planning to close but just want to get more value out of their card and receive such things for being a cardholder?

---

Cause credit is a game of chess...  Some people think it is a game, other people get offended people calling it a game..  In reality IMO credit is a game, you can't show all your cards either side.  The more you learn about it, the better you get at it.  If they can charge you a higher APR% and give you less credit and you don't know better, why would they provide this to you?  They make more money off you with a higher APR% and mitegate their risks with a lower CL.

With that said I got SP'ed by Barclay's yesterday.. Could be my auto loan shopping cause of new inquiries or just checking up on me after my recent SM app..  Needles to say I will be calling in today again and asking for an APR reduction and a SP CLI even though I have only had the card a week?  Worth a try as they have the most recent info on me

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I understand about credit being a game. That makes sense. I guess I was primarily concerned about how calling up and inquiring about these retention offers every so often would look to Barclays. But obviously they shouldn't take that as a reason to take AA or CLD your account because from their perspective you're not satisfied and already considering leaving, which is what they're trying to avoid with these offers in the first place. Thanks.

[CreditCuriosity]

So I noticed they SP'ed me yesterday on my SM card, keep in mind I had this card for 1 week.  Called today and asked about a lower APR% not granted, but asked if I had a soft pull CLI available and BINGO I did!  Asked income and given another 1500, I will take it, just gotta ask lol.  Funny thing is I tried to recon the initial limit twice with an analyst and it was a no go buddy!  I think it might be I am close to the 7 months of being with barclay's so some stats.

Barclay's RMC opened Sept 8th I think of 2014 - Initial CL 1500 called and reconned to 4k the next day after approval

Applied for the SM WMC about a week ago - Initial SL 5500, tried recon SL no avail.  Transferred my limit of RMC to SM and  closed for a total of 9500 CL

Called today about a week later, seeing I had a SP from yesterday and got another 1500 from them making my CL with SM 11k

So all and all 11k CL.. Not bad a 1500 bump on a SP for a 5 min max conversation ..  So it doesn't matter how long you have had a new card for.  I think it comes down to relationship with barclay's and length as well?  who knows.

[barthooper]

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@CreditCuriousity wrote:

So I noticed they SP'ed me yesterday on my SM card, keep in mind I had this card for 1 week.  Called today and asked about a lower APR% not granted, but asked if I had a soft pull CLI available and BINGO I did!  Asked income and given another 1500, I will take it, just gotta ask lol.  Funny thing is I tried to recon the initial limit twice with an analyst and it was a no go buddy!  I think it might be I am close to the 7 months of being with barclay's so some stats.

Barclay's RMC opened Sept 8th I think of 2014 - Initial CL 1500 called and reconned to 4k the next day after approval

Applied for the SM WMC about a week ago - Initial SL 5500, tried recon SL no avail.  Transferred my limit of RMC to SM and  closed for a total of 9500 CL

Called today about a week later, seeing I had a SP from yesterday and got another 1500 from them making my CL with SM 11k

So all and all 11k CL.. Not bad a 1500 bump on a SP for a 5 min max conversation ..  So it doesn't matter how long you have had a new card for.  I think it comes down to relationship with barclay's and length as well?  who knows.

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Very nice! I'll ask about my SM as well when I call. There's clearly no downside, only the possibility of SP CLI (don't care about APR as I PIF when not 0% intro)! I wasn't sure if you had to skirt the issue by asking for offers on the account or directly ask for SP CLI, as it might seem like you're playing them too much and they'd be less likely to offer it but it looks like either approach can work.

[SecretAzure]

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@CreditCuriousity wrote:

So I noticed they SP'ed me yesterday on my SM card, keep in mind I had this card for 1 week.  Called today and asked about a lower APR% not granted, but asked if I had a soft pull CLI available and BINGO I did!  Asked income and given another 1500, I will take it, just gotta ask lol.  Funny thing is I tried to recon the initial limit twice with an analyst and it was a no go buddy!  I think it might be I am close to the 7 months of being with barclay's so some stats.

Barclay's RMC opened Sept 8th I think of 2014 - Initial CL 1500 called and reconned to 4k the next day after approval

Applied for the SM WMC about a week ago - Initial SL 5500, tried recon SL no avail.  Transferred my limit of RMC to SM and  closed for a total of 9500 CL

Called today about a week later, seeing I had a SP from yesterday and got another 1500 from them making my CL with SM 11k

So all and all 11k CL.. Not bad a 1500 bump on a SP for a 5 min max conversation ..  So it doesn't matter how long you have had a new card for.  I think it comes down to relationship with barclay's and length as well?  who knows.

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Lol I got the initial limit recon'd very much and with just a few questions asked! Guess I got lucky but you got luckier with one of these fancy hidden offers.

[CreditCuriosity]

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@SecretAzure wrote:

---

@CreditCuriousity wrote:

So I noticed they SP'ed me yesterday on my SM card, keep in mind I had this card for 1 week.  Called today and asked about a lower APR% not granted, but asked if I had a soft pull CLI available and BINGO I did!  Asked income and given another 1500, I will take it, just gotta ask lol.  Funny thing is I tried to recon the initial limit twice with an analyst and it was a no go buddy!  I think it might be I am close to the 7 months of being with barclay's so some stats.

Barclay's RMC opened Sept 8th I think of 2014 - Initial CL 1500 called and reconned to 4k the next day after approval

Applied for the SM WMC about a week ago - Initial SL 5500, tried recon SL no avail.  Transferred my limit of RMC to SM and  closed for a total of 9500 CL

Called today about a week later, seeing I had a SP from yesterday and got another 1500 from them making my CL with SM 11k

So all and all 11k CL.. Not bad a 1500 bump on a SP for a 5 min max conversation ..  So it doesn't matter how long you have had a new card for.  I think it comes down to relationship with barclay's and length as well?  who knows.

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Lol I got the initial limit recon'd very much and with just a few questions asked! Guess I got lucky but you got luckier with one of these fancy hidden offers.

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Sure you report is cleaner then mine though as I still have a few CA's and some later from 3-4 years ago so that is the analyst's ammunition against me..  Just makes their job easier to say no..  Once my report is clean I expect all > 15k CL ..  Have 3 cards > 10k now.. Amex hopefully soon to be 30k within the next 20ish days if all goes well.  I think the higher you limits are the higher other creditors give you on iniital approval, just my take on why I want all my limits to at least be over 10k eventually.  Credit isn't in that shape yet, but three over 10k isn't to bad all things considered.

[lord_kinbote]

What number are you guys calling for the SP CLI?  I just called the number listed on my account website for the SallieMae and was infomed that due to the FCRA that a HP would be required.  I know this is absurd information, but wanted to verify the best method to get around their first line of defense.