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The BarclayCard CLI Soft Pull thread

Frequent Contributor

Re: The BarclayCard CLI Soft Pull thread

Unfortunately, called the provided number and received nothing...no APR reduction...no SP CLI.  My 11th statement was just cut and I have had 0 auto-CLIs Smiley Sad

 

One more month and the promotional APR goes away (I have never carried a balance past the due date so this is inconsequential) and I am about to get hit with the AF.

 

Other data points for reference

Card: Arrival+ WEMC

Starting limit (and current limit): $7500

APR (after promo expires): 21.99% (The analyst commented that this was the best rate they offer......which sounds ridiculous)

Amount spent on card per month: ~$2000-$2500

 

 


Into the garden on 08/26/16...

Chase Sapphire Reserved / Chase Freedom Unlimited / Chase Freedom / Barclays Rewards

09/24/18 --- TU: 834 / EQ: 834 / EX: 840
Message 81 of 503
Established Contributor

Re: The BarclayCard CLI Soft Pull thread

Personally, I would BT to another card that offers CLI and a lower APR.

 

That is just me. I don't like Barclays but I am stuck with their rewards Visa until something else comes along over the next 1-2 years.

Can't app for anything for at least 6 months and maybe up to 24 (too many inquires and accounts need to age).

In the garden since 11/17/15
12/11 Scores; EQ 641 TU 659 EX 675 Util: 18%
Chase Clock: newest AU account 12/9/15.

Message 82 of 503
Contributor

Re: The BarclayCard CLI Soft Pull thread

Not true on the best rate part. I have a world Mastercard with them, I called yesterday and had a promo for 17.99 on that one and also lowered to 21.99 on the newer card, from 22.99.

Call again, there's alwayd a different rep with a different story.
Credit is like your best enemy. If you don't know how to handle it, it will drown you. If you know how to, it will keep you afloat.
Message 83 of 503
Contributor

Re: The BarclayCard CLI Soft Pull thread

Btw, the 17.99 was from a 22.99 rate, she lowered 4 points and the other one that went to 21.99 received a 0% promo until Dec 31st.
Credit is like your best enemy. If you don't know how to handle it, it will drown you. If you know how to, it will keep you afloat.
Message 84 of 503
Frequent Contributor

Re: The BarclayCard CLI Soft Pull thread

 I figured their "best rate" was just a ploy to get the call moving towards the end.  I will call again on Monday to see if I can at least get it lowered.


Into the garden on 08/26/16...

Chase Sapphire Reserved / Chase Freedom Unlimited / Chase Freedom / Barclays Rewards

09/24/18 --- TU: 834 / EQ: 834 / EX: 840
Message 85 of 503
Valued Contributor

Re: The BarclayCard CLI Soft Pull thread


Mixem143 wrote:

 I figured their "best rate" was just a ploy to get the call moving towards the end.  I will call again on Monday to see if I can at least get it lowered.


Also, they may be more likely to offer a soft-pull CLI after you've been with them a year. Just a guess. 

 

Never give up. Never surrender.

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me
Message 86 of 503
Super Contributor

Re: The BarclayCard CLI Soft Pull thread

My Sallie Mae was 3 weeks old when I got the no pull cli. So don't think it's about how old acct is.
Message 87 of 503
Valued Contributor

Re: The BarclayCard CLI Soft Pull thread

This thread got me thinking... when I called to swap credit lines in November, the person I spoke with told me that they had a SP CLI offer available for one of the cards. That gave me an additional $2000.  The APR on my Apple card is 18.99% and 22.99% on the Rewards card. I think I'm going to see if I can get both of them down to 18.99%. Maybe there will be an offer available for the second card.

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Apple Rewards - $15,000 / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / JC Penney - $10,000 / Discover IT - $9700 / Barclay Rewards - $5400
Merrick - $2400 - Total - $134,500

EQ - 756 / TU - 746 / EX - 749
Message 88 of 503
Valued Contributor

Re: The BarclayCard CLI Soft Pull thread


masscredit wrote:

This thread got me thinking... when I called to swap credit lines in November, the person I spoke with told me that they had a SP CLI offer available for one of the cards. That gave me an additional $2000.  The APR on my Apple card is 18.99% and 22.99% on the Rewards card. I think I'm going to see if I can get both of them down to 18.99%. Maybe there will be an offer available for the second card.


Never hurts to try...unless your rep is outsourced, doesn't speak english well and hard pulls you before you have time to say "no."

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me
Message 89 of 503
Regular Contributor

Re: The BarclayCard CLI Soft Pull thread

I just spoke with a super nice lady through the Backdoor number. I asked for an APR reduction and she said she couldn't do that so I asked about a CLI. I was worried about how much I should ask for becuase they just approved me yesterday at 5k, so I only went for 10k and she approved it right away. Probably should have tried for higher, but I am happy.

Chase Sapphire Preferred- $15,000 Chase Sapphire Reserve- $32,000 Amex Everyday Preferred- $19,500 Amex Blue Cash Everyday- $15,000 Chase Freedom- $2,800 CapOne Quiksilver- $5,500 Home Depot- $2,500 Chase Amazon Visa- $5,000 VentureOne - $10,750 Barclays Arrival World Mastercard - $13,000 Banana Republic- $5,000

Experian- 815 Transunion- 792 Equifax- 796
Message 90 of 503