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OK Barclays ***out of garden*** HP CLI. Approved!

Established Contributor

OK Barclays ***out of garden*** HP CLI. Approved!

So, I've had my Barclays card with it's starting limit of $1k, since opening (Oct 2015), a little over two years.

 

So, we all know that in order to get more credit with them, they MUST do a HP. I finally got the urge to unfreeze and see what they were gonna do for me. Because I mean, two hard-heads achieve nothing.

Me refusing to unfreeze ... they're not doing an increase with a locked report, so...

 

I had applied for an increase, as I previously did in the past, with locked reports to see if anything changed. Nope!

They sent a letter saying: "Need additional information for Credit. Which means, I need to unfreeze. So tonight, I decided I will do it!

 

Called, spoke with credit and they asked if all 3 are frozen. Yes. I told them which one I was going to unfreeze (TU) and that was all they were getting (my words)...OK! That was good enough. So, I initially asked for $25k. He pulled TU and commended me on my excellent financial responsibility in handling all of the accounts I have.

He asked me why I wanted 25k. I told him that ultimately, I'd like to send more business Barclays way and also do some remodeling.

 

Said he couldn't sign-off on the full 25, but if I'd take 20, that's what he could do. SOLD!

 

Guess it's seeding time @ the garden again!

OpenSky®VSA: $375 | First ProgressMC: $404 | CapOneMC: $605 | CapOneQSMC: $2350 | Cabela'sVSA: $4000 | Barclaycard® RewardsMC: $20000 | BlazeMC: $2000 | First SavingsMC: $1500 | LegacyVSA:$1750 | AMEX BCP®: $9000 | AMEX Hilton Honors™: $6000 l Discover: $5300 | Chase Freedom: $4800 | Chase SLATE: $3800 | CSP®: $7000 | United MileagePlus®: $7000 | Amazon RewardsVSA: $4800 | Old Navy: $4500 | Gap: $4500 | Banana Republic: $4500 | Walmart: $10000 | SamsClub:$10000 | AEO®VSA: $8000 | TJX MC: $6000 | Amazon: $4000 | Belk: $5000 | Macy's: $20000 | J.Crew: $3000 | Overstock: $6200 | SMG VSA: $3800 | Abercrombie: $2100 | Express: $2900 | Buckle: $2500 | Kay: $6750 | PayPal: $3520 | Citi® / AAdvantage® Platinum: $16000 ***FICO08 as of: Dec 19th 2017-EX: 731 | EQ: 727 | TU: 756***



Message 1 of 9
8 REPLIES 8
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Established Contributor

Re: OK Barclays ***out of garden*** HP CLI. Approved!

Wow. What an increase.. Congrats...    What are the pros / cons of Freezing a credit report. 

 

EQ 669, TU 679, EX 679. Navy Signature Go Rewards 15K, Navy Signature Cash Rewards 16K, Navy AX Rewards 14.4K, Navy CLOC 15K, Navy Mortgage 120K, Navy ATV Loan 14,990K, FLCU Auto 48.7K, FLCU Visa 7.5K, FLCU Visa 1K, AFCU 5K, AFCU Line of Credit 4K, John Deere 15K, Suncoast TB Rays Cash Rewards 6K, Cap1 QS 5K, USAA Rate Advantage 5K, USAA AX Card 9K, State Farm Rewards 2.5K, Paypal Credit 2.8K, Cabela's 2K, Chevron & Texaco Visa 6K, BMO Harris Bank 1.5K, BOA Bass Pro 1.5K, 5/3 Stand up to cancer 4.5K, 5/3 Truly Simple 4K, 5/3 Trio 4K, Amazon Store Card 5K, Lowes 17K, TBFCU 5K, BBT Spectrum 4.5K, BBT Bright 3.5K, BBT Bright 4.5K, Banco Do Brasil Americas 4.2K, Kays Jewerly 2K, AX Green Charge, AX Delta Gold 1K, Morgan Auto Group 1.6K, Kohls 700.
Message 2 of 9
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Moderator

Re: OK Barclays ***out of garden*** HP CLI. Approved!

Congrats! 20K is worth a HP imo! 

 

*Sidenote: You do not have to do a HP to get an increase with Barclay. Search it. I’ve never received an HP for my increases. I didn’t get 20K, but I got increases. (I never specified amounts). 

Got some pruning to do... No more new cards!
Message 3 of 9
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Established Contributor

Re: OK Barclays ***out of garden*** HP CLI. Approved!

Thanks a lot. freezing a report prevents unauthorized pulls of your credit report. Especially, if you're an ID theft victim, having all 3 of them frozen, helps out tremendously. Meaning, if you have great credit, the thief cannot open any new lines of credit in your name - period!
It's also useful, if you have a spouse that likes to get new accounts in your name without permission...freeze your reports!

Also, knowing you have your reports frozen, (with the daunting task of unfreezing), would prevent you from cold-apping, for new credit, willy-nilly.
Report freezing to me, is a very useful feature.
OpenSky®VSA: $375 | First ProgressMC: $404 | CapOneMC: $605 | CapOneQSMC: $2350 | Cabela'sVSA: $4000 | Barclaycard® RewardsMC: $20000 | BlazeMC: $2000 | First SavingsMC: $1500 | LegacyVSA:$1750 | AMEX BCP®: $9000 | AMEX Hilton Honors™: $6000 l Discover: $5300 | Chase Freedom: $4800 | Chase SLATE: $3800 | CSP®: $7000 | United MileagePlus®: $7000 | Amazon RewardsVSA: $4800 | Old Navy: $4500 | Gap: $4500 | Banana Republic: $4500 | Walmart: $10000 | SamsClub:$10000 | AEO®VSA: $8000 | TJX MC: $6000 | Amazon: $4000 | Belk: $5000 | Macy's: $20000 | J.Crew: $3000 | Overstock: $6200 | SMG VSA: $3800 | Abercrombie: $2100 | Express: $2900 | Buckle: $2500 | Kay: $6750 | PayPal: $3520 | Citi® / AAdvantage® Platinum: $16000 ***FICO08 as of: Dec 19th 2017-EX: 731 | EQ: 727 | TU: 756***



Message 4 of 9
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Established Contributor

Re: OK Barclays ***out of garden*** HP CLI. Approved!

O cool.. Thanks!!!   

EQ 669, TU 679, EX 679. Navy Signature Go Rewards 15K, Navy Signature Cash Rewards 16K, Navy AX Rewards 14.4K, Navy CLOC 15K, Navy Mortgage 120K, Navy ATV Loan 14,990K, FLCU Auto 48.7K, FLCU Visa 7.5K, FLCU Visa 1K, AFCU 5K, AFCU Line of Credit 4K, John Deere 15K, Suncoast TB Rays Cash Rewards 6K, Cap1 QS 5K, USAA Rate Advantage 5K, USAA AX Card 9K, State Farm Rewards 2.5K, Paypal Credit 2.8K, Cabela's 2K, Chevron & Texaco Visa 6K, BMO Harris Bank 1.5K, BOA Bass Pro 1.5K, 5/3 Stand up to cancer 4.5K, 5/3 Truly Simple 4K, 5/3 Trio 4K, Amazon Store Card 5K, Lowes 17K, TBFCU 5K, BBT Spectrum 4.5K, BBT Bright 3.5K, BBT Bright 4.5K, Banco Do Brasil Americas 4.2K, Kays Jewerly 2K, AX Green Charge, AX Delta Gold 1K, Morgan Auto Group 1.6K, Kohls 700.
Message 5 of 9
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Community Leader
Mega Contributor

Re: OK Barclays ***out of garden*** HP CLI. Approved!

Congrats Davio, charge wiselySmiley Wink

It being Barclays, i hope you intend to to use it more cuz i could just imagine them noting this requext in your records and voicing that you want to give more business, then you but a pack a gum once in awhileSmiley Wink. Barclays giveth and Barclays taketh. Lol, im not sure id be comfortable having huge limits with SirB and Cap One but thats just crazy me haha. 2 compsnies i cant get anywaySmiley Wink

Enjoy your new limit, ill raise my coffee in a toastSmiley Happy
Message 6 of 9
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Frequent Contributor

Re: OK Barclays ***out of garden*** HP CLI. Approved!

Awesome increase and good use of an HP. However, I wanted to add that you don't need an HP to get a CLI from Barclays. Most people ask for a lower APR from the front line agent and if they qualify they get transferred to someone else. That person can then provide a lower APR, a small SP CLI or both depending on what offers are on your account. 

Message 7 of 9
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Frequent Contributor

Re: OK Barclays ***out of garden*** HP CLI. Approved!

Wow!! Now thats a cli! congrats!!!!

Experian 718
Equifax 716
Transunion 708.
Credit unions: Member of NFCU, Penfed, BECU, Alliant, Mountain America, and Unify. Credit cards with all except mountain America and unify. Waiting until some inquiries fall off.
Geo restricted from fifth/third, bbva, bb&T, PNC bank, and all the other banks that give out cards like candy.
Idaho resident.
Message 8 of 9
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Valued Contributor

Re: OK Barclays ***out of garden*** HP CLI. Approved!

Congrats m8, i had barclay NFL card before to for like 2 years ,they never cli ,all they did hp tu ...so i close card myself and move on.will never want anything from them.they suck just like synchrony r.i.p and chase.

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