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BarclayCard Rewards automatically tripled my available credit

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Anonymous
Not applicable

BarclayCard Rewards automatically tripled my available credit

Just goes to show that people with pretty horrid credit histories can recover.  For most of my adult life, I had two premier bank cards totaling 550 of available credit.  Since cleaning up some baddies on my report, and beginning to practice good credit habits regarding utlization and paying in full before the due date with a secured card, Barclaycard and BoA opened accounts for me with short lines - 500 credit line each.  Today at the 6.5 month mark, got a letter from Barclay stating that based on my payment and account history that they'd be increasing me to $1,500, no soft or hard pulls were made.  For those in my position or in a comparable situation, keep it up, and remember - there really are no shortcuts to repairing your credit.  Stay on the path and don't overextend yourself.

Message 1 of 13
12 REPLIES 12
Anonymous
Not applicable

Re: BarclayCard Rewards automatically tripled my available credit


@Anonymous wrote:

Just goes to show that people with pretty horrid credit histories can recover.  For most of my adult life, I had two premier bank cards totaling 550 of available credit.  Since cleaning up some baddies on my report, and beginning to practice good credit habits regarding utlization and paying in full before the due date with a secured card, Barclaycard and BoA opened accounts for me with short lines - 500 credit line each.  Today at the 6.5 month mark, got a letter from Barclay stating that based on my payment and account history that they'd be increasing me to $1,500, no soft or hard pulls were made.  For those in my position or in a comparable situation, keep it up, and remember - there really are no shortcuts to repairing your credit.  Stay on the path and don't overextend yourself.


congrats TL17.....that shows that you are doing something right. 

Message 2 of 13
coldnmn
Mega Contributor

Re: BarclayCard Rewards automatically tripled my available credit

Congrats! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 3 of 13
BigBS
Senior Contributor

Re: BarclayCard Rewards automatically tripled my available credit

Congrats on the CLI!

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 4 of 13
wagsk1
Regular Contributor

Re: BarclayCard Rewards automatically tripled my available credit

same here, just went from 10k to 13.5k  on my 6 month statement ( well not triple but auto luv)

Message 5 of 13
alvon123
Super Contributor

Re: BarclayCard Rewards automatically tripled my available credit

congrats


Message 6 of 13
-Wade-
Valued Contributor

Re: BarclayCard Rewards automatically tripled my available credit


@Anonymous wrote:

Just goes to show that people with pretty horrid credit histories can recover.  For most of my adult life, I had two premier bank cards totaling 550 of available credit.  Since cleaning up some baddies on my report, and beginning to practice good credit habits regarding utlization and paying in full before the due date with a secured card, Barclaycard and BoA opened accounts for me with short lines - 500 credit line each.  Today at the 6.5 month mark, got a letter from Barclay stating that based on my payment and account history that they'd be increasing me to $1,500, no soft or hard pulls were made.  For those in my position or in a comparable situation, keep it up, and remember - there really are no shortcuts to repairing your credit.  Stay on the path and don't overextend yourself.


Congrats on your CLI Smiley Happy

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 7 of 13
gdale6
Moderator Emeritus

Re: BarclayCard Rewards automatically tripled my available credit

Congrats on your CLI Smiley Happy

Message 8 of 13
vpae
Established Contributor

Re: BarclayCard Rewards automatically tripled my available credit

Congrats! Welcome to the forums and thanks for the information.

 

Keep up the great work!

12/19/19 06/11/20 07/02/20
Total CL: $708,900. Largest CL: Amex Bonvoy Brilliant $70K. Apple Card $40K. Chase Ritz Carlton $35K. Mouseover for individual CLs
Message 9 of 13
the_jan_b
Established Contributor

Re: BarclayCard Rewards automatically tripled my available credit

That's awesome!!

Enjoying your freedom? Thank a servicemember and their family!

In the garden since 26 Jun 14...

I am digitaldiva's alter-ego


Message 10 of 13
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