The BarclayCard CLI Soft Pull thread

[masscredit]

I wonder why we sometimes get transferred from the representivive that is in a far off country and sometimes we don't? 

[mowglidude]

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@Anonymous wrote:

FWIW:

On 2/24/2016 I got a Barclay Rewards MC, $2,500 SL, TU FICO 703

I attempted to recon the SL but no luck at that time

I just got my CC statement and it shows a $4K CLI bringing my total limit for this card to $6.5K

TU FICO is around 712 now

I charge about $1,2000 every month on this card

I don't have a current TU report that shows SP's so I'm not 100% sure they did an SP. It certainly was not an HP, since I did not initiate the CLI request. It was pretty much automatic.

Best of luck all!

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I was approved for $3500 on the Arrival + back on 2/12/16 and received the card around 2/19. Since then, I have been approved for four other cards ranging from $15-20K on all of them. I used the card initially to get my bonus, but wanted to keep utilization low, so I started using the other cards with higher limits and havent spent a whole lately on the card. Should I be expecting an auto CLI anytime soon? Just over six months now with the card.

[Anonymous]

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@mowglidude wrote:

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@Anonymous wrote:

FWIW:

On 2/24/2016 I got a Barclay Rewards MC, $2,500 SL, TU FICO 703

I attempted to recon the SL but no luck at that time

I just got my CC statement and it shows a $4K CLI bringing my total limit for this card to $6.5K

TU FICO is around 712 now

I charge about $1,2000 every month on this card

I don't have a current TU report that shows SP's so I'm not 100% sure they did an SP. It certainly was not an HP, since I did not initiate the CLI request. It was pretty much automatic.

Best of luck all!

---

I was approved for $3500 on the Arrival + back on 2/12/16 and received the card around 2/19. Since then, I have been approved for four other cards ranging from $15-20K on all of them. I used the card initially to get my bonus, but wanted to keep utilization low, so I started using the other cards with higher limits and havent spent a whole lately on the card. Should I be expecting an auto CLI anytime soon? Just over six months now with the card.

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yes, I would say it's a likely a CLI will appear in your next statement after the 6 months mark, that's how it was for me.

Keep us posted please

[SouthJamaica]

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@mowglidude wrote:

---

@Anonymous wrote:

FWIW:

On 2/24/2016 I got a Barclay Rewards MC, $2,500 SL, TU FICO 703

I attempted to recon the SL but no luck at that time

I just got my CC statement and it shows a $4K CLI bringing my total limit for this card to $6.5K

TU FICO is around 712 now

I charge about $1,2000 every month on this card

I don't have a current TU report that shows SP's so I'm not 100% sure they did an SP. It certainly was not an HP, since I did not initiate the CLI request. It was pretty much automatic.

Best of luck all!

---

I was approved for $3500 on the Arrival + back on 2/12/16 and received the card around 2/19. Since then, I have been approved for four other cards ranging from $15-20K on all of them. I used the card initially to get my bonus, but wanted to keep utilization low, so I started using the other cards with higher limits and havent spent a whole lately on the card. Should I be expecting an auto CLI anytime soon? Just over six months now with the card.

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My impression from Barclays is that the sweet spot for getting auto CLI's from Barclays is average account balance between 10% and 30% (not reported balance, but intramonth balance).

[mowglidude]

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@SouthJamaica wrote:

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@mowglidude wrote:

---

@Anonymous wrote:

FWIW:

On 2/24/2016 I got a Barclay Rewards MC, $2,500 SL, TU FICO 703

I attempted to recon the SL but no luck at that time

I just got my CC statement and it shows a $4K CLI bringing my total limit for this card to $6.5K

TU FICO is around 712 now

I charge about $1,2000 every month on this card

I don't have a current TU report that shows SP's so I'm not 100% sure they did an SP. It certainly was not an HP, since I did not initiate the CLI request. It was pretty much automatic.

Best of luck all!

---

I was approved for $3500 on the Arrival + back on 2/12/16 and received the card around 2/19. Since then, I have been approved for four other cards ranging from $15-20K on all of them. I used the card initially to get my bonus, but wanted to keep utilization low, so I started using the other cards with higher limits and havent spent a whole lately on the card. Should I be expecting an auto CLI anytime soon? Just over six months now with the card.

---

My impression from Barclays is that the sweet spot for getting auto CLI's from Barclays is average account balance between 10% and 30% (not reported balance, but intramonth balance).

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Maybe thats the key, to spend more mid month, PIF at statement date.

[Anonymous]

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@mowglidude wrote:

---

@Anonymous wrote:

FWIW:

On 2/24/2016 I got a Barclay Rewards MC, $2,500 SL, TU FICO 703

I attempted to recon the SL but no luck at that time

I just got my CC statement and it shows a $4K CLI bringing my total limit for this card to $6.5K

TU FICO is around 712 now

I charge about $1,2000 every month on this card

I don't have a current TU report that shows SP's so I'm not 100% sure they did an SP. It certainly was not an HP, since I did not initiate the CLI request. It was pretty much automatic.

Best of luck all!

---

I was approved for $3500 on the Arrival + back on 2/12/16 and received the card around 2/19. Since then, I have been approved for four other cards ranging from $15-20K on all of them. I used the card initially to get my bonus, but wanted to keep utilization low, so I started using the other cards with higher limits and havent spent a whole lately on the card. Should I be expecting an auto CLI anytime soon? Just over six months now with the card.

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I think it depends of the card and the CL on that card. I have never received any auto CLI from Barclays. The Ring now auto in the last two years and the AAdvantage card I have requested a CLI on my own which they granted via SP

[masscredit]

How common are auto-CLIs?  I'm looking at the history for my two Barclay cards. The Apple card received 3 of those and 2 SP CLIs.  I swapped limits at one point. That's why the limit for that card is only $4400.  My Rewards card hasn't received any auto-increases but it has received 2 SP increases and then there were 4 denials. 

I wonder if I would have a better chance getting an increase if I run more spending though the Apple card. The limit is lower so the utilization percentage would be higher.

[Anonymous]

On my sallie mae, I've spent roughly 250 to 400 per month and just PIF every billing cycle. At 6 months they auto increased it from 1.2k to 4.6k, and at a year to 9.1k

Still only putting a few hundred per month through.

[Anonymous]

I called Barclaycard today regarding my Apple Rewards card using the number on the back of my card.  I've had the card exactly 6 months and 1 day.  I requested a reduction of my interest rate and was transfered to a specialist.  It was all very straightforward and pleasant, and she gave me very modest improvements with no hard pull. 

SL $2000 and APR 27.24.  

New: $2500 and APR 26.24

I have a single utility bill going to this card monthly and auto pay in full.  It used about 10-15% of the credit limit before this increase.

Thank you for the very useful thread. 

[mowglidude]

Just wondering. Is it better to call a CSR and ask for a soft pull CLI and rate reduction? I spent about $400 this month and paid it just recently of a $3500 CL. This is my 7th month statement coming up on the 10th of the month. Should I call before statement date or wait to see if they increase on their own after the 10th? I would a CL closer to the $15K and $20K limits I have now.