Approved Citi AAdvantage after Barclay CLD my Aviator!!!

[Anonymous]

my payments to my Aviator!! Maybe they don't like too much payments in a month (April)? Maybe someone can give advice?

[Meanmchine]

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@Anonymous wrote:

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@Anonymous wrote:

Sorry to hear about the CLD.  I'm more curious as to what kind of payments you were making.  Were you paying the minimum during those 4 months?  I'm sure most creditors wouldn't have a problem with carrying a balance as long as the payments were reasonable.

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I used the card heavily as daily use as well. So last month total payment $1000, 2 months ago total payment $4000, 3 months ago total $3000. So its not like I just make minimum on this card. I don't know what triggers Barclay to CLD my card.

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How close were you coming to maxing out the card every month.  What is your TUtil across all your accounts. How old is the Barclays card?

[Anonymous]

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@Meanmchine wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Sorry to hear about the CLD.  I'm more curious as to what kind of payments you were making.  Were you paying the minimum during those 4 months?  I'm sure most creditors wouldn't have a problem with carrying a balance as long as the payments were reasonable.

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I used the card heavily as daily use as well. So last month total payment $1000, 2 months ago total payment $4000, 3 months ago total $3000. So its not like I just make minimum on this card. I don't know what triggers Barclay to CLD my card.

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How cllose were you coming tomaxing out the card every month.  What is your TUtil accros all your accounts.

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Hi @meanmchine. I never close to maxing this card every month. Util always around 50%-60% in the past 4 months. My TU across the board is only 23% per July 2, 2019.

[Anonymous]

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@althes wrote:

sorry about barclays cld.

but i would never do a bt with them.

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@althes

thank you. Now I know ;(

[Meanmchine]

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@Anonymous wrote:

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@Meanmchine wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Sorry to hear about the CLD.  I'm more curious as to what kind of payments you were making.  Were you paying the minimum during those 4 months?  I'm sure most creditors wouldn't have a problem with carrying a balance as long as the payments were reasonable.

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I used the card heavily as daily use as well. So last month total payment $1000, 2 months ago total payment $4000, 3 months ago total $3000. So its not like I just make minimum on this card. I don't know what triggers Barclay to CLD my card.

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How cllose were you coming tomaxing out the card every month.  What is your TUtil accros all your accounts.

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Hi @meanmchine. I never to maxing this card every month. Util always around 50%-60% in the past 4 months. My TU util accros the board is only 23% per July 2, 2019.

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Something triggers CLDs.  It is almost never a programming error.  Were you seeking new credit and if so how aggressively?  In the four months, how much of the BT have you paid off?

[Anonymous]

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@Meanmchine wrote:

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@Anonymous wrote:

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@Meanmchine wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Sorry to hear about the CLD.  I'm more curious as to what kind of payments you were making.  Were you paying the minimum during those 4 months?  I'm sure most creditors wouldn't have a problem with carrying a balance as long as the payments were reasonable.

---

I used the card heavily as daily use as well. So last month total payment $1000, 2 months ago total payment $4000, 3 months ago total $3000. So its not like I just make minimum on this card. I don't know what triggers Barclay to CLD my card.

---

How cllose were you coming tomaxing out the card every month.  What is your TUtil accros all your accounts.

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Hi @meanmchine. I never to maxing this card every month. Util always around 50%-60% in the past 4 months. My TU util accros the board is only 23% per July 2, 2019.

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Something triggers CLDs.  It is almost never a programming error.  Were you seeking new credit and if so how aggressively?  In the four months, how much of the BT have you paid off?

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I dont seeking new credit at all, I don't have a new account in the past 1,5 year. I even close 1 card. I dont know how much BT I paid off, my payments to Barclay attached is above on the previous post.

I will call their portfolio team on Friday, July 5 since they only open Monday - Friday 8am-5pm EST based on Backdoor Sticky post on this forum. Wish me luck guys!!!

[Anonymous]

It may be the combo of the BT and the heavy usage.  If you have maintained that UTI%, it doesn't seem like you're paying it down.  That is just a guess.  Well no loss to you if you get rid of Barclays...lol.