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!
Wow. What an increase.. Congrats... What are the pros / cons of Freezing a credit report.
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).
O cool.. Thanks!!!
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.
Wow!! Now thats a cli! congrats!!!!
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.