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Barclay - Credit Limit auto increased by $2700

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Frequent Contributor

Barclay - Credit Limit auto increased by $2700

Hi all, not sure what is going on my credit limit on Barclay. It was $3750 after they reduced it a year plus ago from I think it $4900 something. However, today I am checking my account my credit limit is now $6450.00. I never asked for it since Barclay requires hard pull on cli.  It is so weird since Barclay has never give me any auto increased seems like forever (7 to 9 years I think.. I cannot remember). I know my TU recent score just turned to 737 and Eq 760. Not sure about Exp but I think it is low 700s. I tried not to apply any credits right now and let everything grows.



Starting Score: (Nov 13) EQ 650, EXP 750, TU 750
Score: (Aug 2, 2014) EQ 722, EXP 780, TU 777
Score: (Aug 11, 2014) EQ 781, EXP 784, TU 779
Score(Nov 22, 2014) EQ 814, EXP N/A, TU 781
Score(Dec 16, 2017) EQ > 720, EXP ?, TU > 730
Score(Mar 10, 2018) EQ 736, EXP 740, TU 724
Score(Apr 7, 2018) EQ 752, TU 750, EXP 753
Score(Jun 14, 2018) EQ 784, TU 771, EX:777
Score(Sep 7, 2020) EQ 760, TU 737 , EX ?
Score(Nov 23, 2020) EQ 774 Fico 8(Through Citi), EQ 771 Fico 9(Through NFCU,PenFed), TU 751 Fico 8 (Through Barclay,Discover), EX: 739 Fico 8(through Amex)

Goal Score: EQ 800, EXP 800, TU 800 | Take the myFICO Fitness Challenge

AoOA 18 years, 6 months, AAoA 6 years, 10 months







Message 1 of 14
13 REPLIES 13
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Super Contributor

Re: Barclay - Credit Limit auto increased by $2700

Congratulations on your PCLI!

Message 2 of 14
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Community Leader
Senior Contributor

Re: Barclay - Credit Limit auto increased by $2700

Congrats on your auto CLI!! Barclays is an odd duck, your guess is as good as anyone else's. 👍🏻 

Message 3 of 14
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Frequent Contributor

Re: Barclay - Credit Limit auto increased by $2700

I know right? It is so weird. I got a penalty for not using it for a long time and suddenly they decided to increase my credit limit. I am glad however, they didn't close it down like some other credit card companies. Recently, I have been using credit cards that I hardly used just to make sure they are active. 2 months ago, Chase sent me a notice about a closure on one of my Chase card - Slate since I hardly used it. Since then I have been using it to pay bills, gas and some online shopping. I sent them a message and they told me not to worry about it.



Starting Score: (Nov 13) EQ 650, EXP 750, TU 750
Score: (Aug 2, 2014) EQ 722, EXP 780, TU 777
Score: (Aug 11, 2014) EQ 781, EXP 784, TU 779
Score(Nov 22, 2014) EQ 814, EXP N/A, TU 781
Score(Dec 16, 2017) EQ > 720, EXP ?, TU > 730
Score(Mar 10, 2018) EQ 736, EXP 740, TU 724
Score(Apr 7, 2018) EQ 752, TU 750, EXP 753
Score(Jun 14, 2018) EQ 784, TU 771, EX:777
Score(Sep 7, 2020) EQ 760, TU 737 , EX ?
Score(Nov 23, 2020) EQ 774 Fico 8(Through Citi), EQ 771 Fico 9(Through NFCU,PenFed), TU 751 Fico 8 (Through Barclay,Discover), EX: 739 Fico 8(through Amex)

Goal Score: EQ 800, EXP 800, TU 800 | Take the myFICO Fitness Challenge

AoOA 18 years, 6 months, AAoA 6 years, 10 months







Message 4 of 14
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Community Leader
Senior Contributor

Re: Barclay - Credit Limit auto increased by $2700


@benreily wrote:

I know right? It is so weird. I got a penalty for not using it for a long time and suddenly they decided to increase my credit limit. I am glad however, they didn't close it down like some other credit card companies. Recently, I have been using credit cards that I hardly used just to make sure they are active. 2 months ago, Chase sent me a notice about a closure on one of my Chase card - Slate since I hardly used it. Since then I have been using it to pay bills, gas and some online shopping. I sent them a message and they told me not to worry about it.


That's good! You want to keep them rotating, so they aren't dormant. Helps to prevent closure and CLD.

Message 5 of 14
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Valued Contributor

Re: Barclay - Credit Limit auto increased by $2700

Nice! 👍

Happy auto CLI!

 

Screenshot_20200821-191000.jpg

Current as of October 3rd
TCL $129.6 - 7%UTL $22.2K - Remaining SL Balance
FICO 08 EQ722, TU723, EX728 || Mortgage Scores: EQ 724, Tu 694, EX 722

PSECU $30K || CHASE $9.6K || NAVYFED $66.1K || DISCOVER $20.9 || Store CC $3k CL soon to be closed

Restarted my rebuild in April 2018
(1) Unpaid CO from 2015 - Paid Aug 2020
17 Open acounts 6 closed
9 Open loans / 2 Closed || DTI 4.3%
AOYRA (2) at 13 months || AoOA (2) at 23 years || AAoA 9.9years AAoRA Calculating months

Inquiries: 0/6 0/12 4/24 - EQ/TU/EX (0 / 3 / 1)
- I am experimenting with scores...and it is not working in my favor yet!

Dirty/Thick/Aged/ No New Acoounts

Message 6 of 14
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Moderator

Re: Barclay - Credit Limit auto increased by $2700

Auto luv is always nice, congrats to ya Smiley Happy
Message 7 of 14
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Valued Contributor

Re: Barclay - Credit Limit auto increased by $2700

Congratulations on your Barclays auto-CLI!



Current FICO 8:

Credit Age:

Inquiries:

Goal Cards:


Message 8 of 14
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Epic Contributor

Re: Barclay - Credit Limit auto increased by $2700

Congratulations on your Increase!!!

popcorn eating emoticon.gif

Message 9 of 14
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Valued Contributor

Re: Barclay - Credit Limit auto increased by $2700

WooHooWooHoo

Message 10 of 14
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