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Well last week I decided to see if i could get a limit increase online, Rewards mastercard sitting at $750. Got the "my request needed further review and should get an answer within 48 hours" message. Sure enough two days later I get a call that my request was denied. Lady cited my account was new, opened in May 2014, and I had a bunch of new accounts, the most recent was opened in August 2014 with no balances on those except the Walmart store card which I'm taking advantage of a no interest offer.
Today I decided to call the backdoor number rep asked me the usual questions. I had carried a balance of $500 for a month, I know high for such a low limit but I paid it down before submitting my first cli request. He said he needed to look at my file and put me on hold. I was sweating bricks and he came back and mentioned my bankruptcy of 2008 and I explained why it happened and then he said he couldn't give me the limit I had requested, $2500, but he could do $1500. He told me to keep doing what I have been doing and try again a couple months from now and maybe I can double my new limit.
I just got in the rebuilding process last year so I don't have high limits and this will be my highest limit.
Congratulations on the increase and new highest card limit! Do you know if they did a hard pull to give you your increase? Either way, fantastic to get an increase after initially getting denied.
Thanks, I'll take the baby steps to get back up.
I didn't even asked if it would result in another hard pull, the original request was a hard pull but I'm going to assume it was another hard pull. I'll know tomorrow for sure. I only had one inquiry on transunion before the original request so not really worried about that and now that I had my line increased it was worth it since it seemed like I wasn't going to get any auto increase any time soon.
Congratulations!
Keep both your credit and your body in top shape!
Congrats, OP! I have lots of love for Barclays right now. They have done me well.
Keep doing what you are doing and that CL will continue to grow.
Great recon, grats on your Barclaycard CLI ![]()
August 2015 ? lol
Congrats..
Congrats on the CLI!