BARCLAY CARD CLD

[Anonymous]

Been with these guys for 1.5 yrs..never had a CLI with a SL of 1500....Never late, ran a few small balances over a few months. Today logged in and seen a CLD to 500! Called portfolio division. Agent says since my card was opened, I have opened 11 other cards. I am considered a high risk. Here's my question, will a CLD on a card create any anxiety for other lenders that SP monthly for fico scores etc etc. I don't need the card, so I am cosidering closing it if there is a possibility of it creating problems. I need some seriously sound advice here. I know there are lots of guys/gals with much more experience than I have.........PLEASE ADVISE

[AverageJoesCredit]

Sir Barclays is a nervous nelly. Only you know if you want to close it but if it were me and im not meshing ,or vica versa, with said creditor best to part ways . With 11 other accounts, dont think your aaol will take a hit if you decide to close it. Thankfully your limit wasnt too high so perhaps its best to find out how they treat you now than later. Good luck

[mjb59463]

lol I have 12k with these people and never use the card. Can't wait to see what my limit gets slashed to. 

Sorry this happened to you OP. Barclay is just an irrational actor. 

[Anonymous]

Crazy they approved couple months back with a NFL card even with about the same amount of accounts opened during last 12 months. Has anything changed in your credit reports

[steelers1]

The question you should be asking yourself is do you need them?

Does their card provide you with anything that benefits you?

Based on your answers to those questions you should be able to figure it out.

[thummel]

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@Anonymous wrote:
Crazy they approved couple months back with a NFL card even with about the same amount of accounts opened during last 12 months. Has anything changed in your credit reports

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He stated he opened 11 new accounts so his profile has defiantly changed. Barclays always does this when you add new accounts it seems like. Just seems pretty standard now if you ask me.

[gdale6]

With all the CLD threads it would be nice if the OP posted their current Fico scores something is telling me there is gold there as a data point. This is not unusual for this bank their usual operation continues.

[Anonymous]

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@AverageJoesCredit wrote:
Sir Barclays is a nervous nelly. Only you know if you want to close it but if it were me and im not meshing ,or vica versa, with said creditor best to part ways . With 11 other accounts, dont think your aaol will take a hit if you decide to close it. Thankfully your limit wasnt too high so perhaps its best to find out how they treat you now than later. Good luck

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I see, well since I got approved with them and the other 11 lenders, I have had several CLI from others. Like I said, I DO NOT NEED THEM, but if it isnt gonna cause any problems, I can just let em whirl. On the other hand closing a card with a perfect history cant hurt me either......CAN IT?

[Anonymous]

I havn't used mine in over a year and opened about 6 new accounts. I still at 1500. Only reason I got them was for the FICO Score. lol

[Anonymous]

TODAY....EX...698...TU....680.....EQ...670