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Barclays AWM CLI! Question about Toys R Us card

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BUN
Established Contributor

Barclays AWM CLI! Question about Toys R Us card

I raised the limit on my Barclaycard AWM $500 with a soft pull. Denied at first because I asked for $5K. I explained that I didn't want my utilization to go up because I was trying for the 20,000 miles and I wanted to find out why my CL was so low in relation to my TU score which was 760 at the time.(I opened it in June) He told me because of my credit history as an Individual borrower was thin, in six months I can raise it significantly with on time payments and low util. My start limit was $2500 so he kindly raised it to an even 3K. Yippee! I;ll take it. DH needed work done on his car, so I told him to use he card. I have reached the $1000 spending limit, and already paid it down $400! The miles are instantly registered online! This credit card is awesome. I already have an AU AF Hawaiian Airlines card so I decided to go for the no AF Arrival WMC. The Hawaiian was raised from $2000 to $3000 auto love. Does anyone know how generous Toys R us is with lowering APR? They raised our credit limit, but the APR is like 29% which makes me want to pay it off and SD it, but with a 5 year old kiddo, it gets some mileage. Happy Friday fellow gardeners, I myself have been staring at some credit porn, but look don't APP!! Smiley Very Happy

Starting Score : 575 May, 2013
Current Scores: EQ 716 6 INQ TU 745 4 INQ EX 726 3 INQ Last INQ December 2015, In the GC until Jan 2017.
Message 1 of 11
10 REPLIES 10
coldnmn
Mega Contributor

Re: Barclays AWM CLI! Question about Toys R Us card

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 2 of 11
Kenny
Moderator Emeritus

Re: Barclays AWM CLI! Question about Toys R Us card

Congratulations on your CLI! Smiley Happy Thanks for sharing.

 

The Arrival is an awesome card in my experience. Haven't received any auto love yet, but I'm thinking I will when I hit 1 year. Smiley Happy

Message 3 of 11
BUN
Established Contributor

Re: Barclays AWM CLI! Question about Toys R Us card

We''ve had the Hawaiian WMC for a year and paid it down to zero after having it maxed out for DH's travel expenses. Thanks for the congrats! You'll get some auto love soon!

Starting Score : 575 May, 2013
Current Scores: EQ 716 6 INQ TU 745 4 INQ EX 726 3 INQ Last INQ December 2015, In the GC until Jan 2017.
Message 4 of 11
Creditaddict
Legendary Contributor

Re: Barclays AWM CLI! Question about Toys R Us card

Toys R Us is a GE/Sync backed card and they don't offer lower rates...

R”US PLATINUM MASTERCARD“R”US CREDIT CARD
Annual Percentage Rate (APR) for Purchases26.99%26.99%
Message 5 of 11
-Wade-
Valued Contributor

Re: Barclays AWM CLI! Question about Toys R Us card


@BUN wrote:

I raised the limit on my Barclaycard AWM $500 with a soft pull. Denied at first because I asked for $5K. I explained that I didn't want my utilization to go up because I was trying for the 20,000 miles and I wanted to find out why my CL was so low in relation to my TU score which was 760 at the time.(I opened it in June) He told me because of my credit history as an Individual borrower was thin, in six months I can raise it significantly with on time payments and low util. My start limit was $2500 so he kindly raised it to an even 3K. Yippee! I;ll take it. DH needed work done on his car, so I told him to use he card. I have reached the $1000 spending limit, and already paid it down $400! The miles are instantly registered online! This credit card is awesome. I already have an AU AF Hawaiian Airlines card so I decided to go for the no AF Arrival WMC. The Hawaiian was raised from $2000 to $3000 auto love. Does anyone know how generous Toys R us is with lowering APR? They raised our credit limit, but the APR is like 29% which makes me want to pay it off and SD it, but with a 5 year old kiddo, it gets some mileage. Happy Friday fellow gardeners, I myself have been staring at some credit porn, but look don't APP!! Smiley Very Happy



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 6 of 11
9CLINE
Valued Contributor

Re: Barclays AWM CLI! Question about Toys R Us card

Congrats on Cli..can't wait till I get 1....lol


Message 7 of 11
gdale6
Moderator Emeritus

Re: Barclays AWM CLI! Question about Toys R Us card

Grats on your Barclays CLI OP Smiley Happy

Message 8 of 11
BUN
Established Contributor

Re: Barclays AWM CLI! Question about Toys R Us card

 
Starting Score : 575 May, 2013
Current Scores: EQ 716 6 INQ TU 745 4 INQ EX 726 3 INQ Last INQ December 2015, In the GC until Jan 2017.
Message 9 of 11
alvon123
Super Contributor

Re: Barclays AWM CLI! Question about Toys R Us card

congrats


Message 10 of 11
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