So this is my second go around with Barclaycard. The first go around ended in me closing my accounts and I'm headed there again. They have served their purpose once again in the tune of $200 cash back and 40,000 American Airline miles which complimented my Citi AA card nicely. They CLD's two of my three accounts and I know the CashForward (5k) is next so I took the preemptive move and sent them a secure message basically stating that if they want to reduce the CashForward (which is within their right) to close all three accounts. I currently have the CashForward (5k), Aviator (now at $500) and the Barclay Rewards (now at $500). I refuse to pay an AF for a $500 card. I have a $700 balance on the CashForward so I suspect they'll reduce the limit to approximately 1k at which time I'll pay the balance off and close all 3 accounts. I've more than made up for the loss of $8,500 from Barclaycard with the addition of BB&T (6.5k), Citi Simplicity (4.9k), Macy's Amex (1k) and two $2,500 cli's from FNBO. No love loss from either party at this point. Let me reiterate that they have every right to close and/or reduce my lines if they so choose to do so. This credit game is truly a give and take scenario.
(Formerly known as: Credit is my hobby (1.7M)/TCL objective)
If Barclays AA someone in the woods and there is no one around to hear, read, or object, does it make a difference in the long run? 
@tcbofade wrote:Well, I'm glad that you're in a place where you're comfortable to do so. Barclays has trashed others utilization ratio in the past...
I know. I had a balance on the one card of a little over $200 but paid that off when they lowered the limit down to $500. I wish they would at least give people advance notice just so you could pay the balance down or off without it making it look like you're maxed out.
@AverageJoesCredit wrote:
If Barclays AA someone in the woods and there is no one around to hear, read, or object, does it make a difference in the long run?
Probably not but in their minds "the hills have eyes".
In all reality Fico needs adjustments to be made, to treat a 200 balance on a 500 CL card the same way as a 20000 balance on a 50K card is ridiculous.
@gdale6 wrote:In all reality Fico needs adjustments to be made, to treat a 200 balance on a 500 CL card the same way as a 20000 balance on a 50K card is ridiculous.
I think utilization as a whole could use some overhauling. Yeah, there should be some kind of taper to the score when it comes to small credit lines. But then I do have my $20k balances, so let's not go haywire with that scale!
@Anonymous wrote:
@gdale6 wrote:In all reality Fico needs adjustments to be made, to treat a 200 balance on a 500 CL card the same way as a 20000 balance on a 50K card is ridiculous.
Well FICO doesn't know your income so they could be equal. I don't think a single card utilization should factor in though. If you have 200k of total CLI and you have a 900 balance on a 1000 dollar limit card and no other debt. How is that different than having same total CLI and having a 900 balance on a 25k limit card.
Good points. Store cards can be a perfect example of that. You go to buy some furniture for $3800, the store has a partnership with Synchrony or Comenity, they approve you for $4000, you get the furniture and the 0% payment plan, right? But then you have a maxed out "card" with 95% util that won't even get under 90% for a while since you've got 60 months of 0% APR promotional financing. You're not using it irresponsibly, so you really shouldn't be punished. Okay, rant over. 
