barclay ring 7th statement no cli! :(

[Anonymous]

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@jaeproc wrote:

I'm definitely doubting a cli now !   9 months smh!   Have u been using the heck out of the card also? Also what's your credit limit?

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I have been carying balance for the last 9 months, I reached out 50% of the credit line, but I paid 20% before statement cut. They have reported 30% on my CRA. I can't complaint for now because I was approved for 10K, but I would love to see more I will wait after 12 months to see if an auto CLI will happens.

If I waited 18 years for Target Visa Card to give me a CLI, I can wait few years for Barclays to give me an auto CLI

[jaeproc]

10k starting limit not bad!  I would be happy if I had 10k, to be honest I wouldn't even care for the auto cli with that limit lol.  Hey what was your fico score at approval? I had a 726 transunion fico and only recieved 2k!  I'm at 738 now due to my 2 newest accounts opened on Feb 1st.

[Anonymous]

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@jaeproc wrote:

10k starting limit not bad!  I would be happy if I had 10k, to be honest I wouldn't even care for the auto cli with that limit lol.  Hey what was your fico score at approval? I had a 726 transunion fico and only recieved 2k!  I'm at 738 now due to my 2 newest accounts opened on Feb 1st.

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Credit score was 776 at the time of approval, No INQ on TU when I applied for this card. It was instant approved that I did not realize it said 10K..lol

[Burned2manybridgesB4]

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@Anonymous wrote:

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@jaeproc wrote:

10k starting limit not bad!  I would be happy if I had 10k, to be honest I wouldn't even care for the auto cli with that limit lol.  Hey what was your fico score at approval? I had a 726 transunion fico and only recieved 2k!  I'm at 738 now due to my 2 newest accounts opened on Feb 1st.

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Credit score was 776 at the time of approval, No INQ on TU when I applied for this card. It was instant approved that I did not realize it said 10K..lol

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Goes to show that score isn't everything. Got ring 12k with 713 TU08.

[jaeproc]

Yea it has to be new opened accounts, when I was approved 7 months ago I also had 2 new open tradelines!!! I guess for me it's the new accounts they don't like, everything else is perfect on my credit reports!  Uti always under 10 percent, never missed a payment, no negatives, high income !  

[Anonymous]

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@kdm31091 wrote:
Creditors do not simply give out credit in exchange for time. They may have patterns like 7th statement where they tend to give CLI but its still based on perceived risk and other factors

You may have hit your max for the time being for that card. All you can do is patiently wait, use it and pay it off. Or take a HP CLI. But no guarantee

Never assume you'll get a CLI at x amount of statements. You'll be disappointed.

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Good advice!! When it does happen, it's that much sweeter.

[Anonymous]

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@ScoreOrBeScored wrote:

I got my Sallie Mae Jan 29, 2015 and my 1st statement cut February 13th. 

Put 55 swipes on it and $5,500 thru it ( purchases and BT ) and first payment of $1,400 was made Feb 20th.

Feb 20th got CLi of $2k and haven't had the card a month yet. 

Use the the mess out of your card. Max it out , let it post to your reports one time then after that keep running it up to

the limit and pay it down to your desired ult % before statements cut. 

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Congrats on your instant CLI!!! Thanks for the advice!