Barclay auto CLI on 12 month statement

[Anonymous]

Quote:

Moral of the story:

(1) Once you pay entire balance down to zero, it may trigger an auto-CLI. Does not have to be 6 or 12 months.

(2) Call the CSR every 5-6 months and check if there are offers for APR reduction. You'll be transferred to analyst. Once done with APR, check if there are offers for SP CLI. Do not ask for CLI with the regular CSR. They may simply submit a CLI request which will most definitely result in an HP. Wait to be connected to the analyst who knows the difference between HP and SP CLI."

Quote end:

EXCELLENT !  TYVM!!

[JSS3]

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@Anonymous wrote:

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@JSS3 wrote:
A poster once reported that a Barclays rep told her--- sometimes the button for auto increases are turned off(for no apparent reason---at random) in a users profile. So calling a requesting once 6-12 months have passed is definitely what you should do. As long as you ask for an APR reduction or CLI.

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What is the lowest APR ppl have on their SM I shouldnt wonder...?

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No clue. Asking for a lower APR is just a way to hopefully be told about a CLI on your account. If they do happen to lower it or do both---great!

[Anonymous]

Can you get an APR reduction of you are already at the lowest APR advertised for the card?

[Anonymous]

I've had mine since Nov. & nothing yet.  Used it a lot in the beginning, now it's pif & I'm working on a couple of other cards.  I went to click the credit line increase but it's a hp.

[curranam]

Update: My 12th statement just cut and no auto CLI. Hopefully I will see something on the next statement. Thanks for all the comments.

[taxi818]

Although hp. Worth it. As I got quick 1500 cli after ho in only 3 months if card. Not seen any else since. But it's ok. Waiting to app salliemae

[Anonymous]

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@Anonymous wrote:

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@JSS3 wrote:
A poster once reported that a Barclays rep told her--- sometimes the button for auto increases are turned off(for no apparent reason---at random) in a users profile. So calling a requesting once 6-12 months have passed is definitely what you should do. As long as you ask for an APR reduction or CLI.

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What is the lowest APR ppl have on their SM I shouldnt wonder...?

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Barclay SM lowest Apr rate posted on their website is 13.9% for purchases.

[Santi78342]

Call them up and ask for an APR reduction and hopefully they will also say that they see an offer for a CLI without pulling credit. If they don't, ask if you account is eligible for a SP CLI. 

I just did this last week and I got my APR lowered from 20.99 to 16.99 and got a $1500 CLI to go from $5500 to $7000.

Good luck!

[Ghoshida]

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@curranam wrote:

Update: My 12th statement just cut and no auto CLI. Hopefully I will see something on the next statement. Thanks for all the comments.

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Have you tried 

(a) paying down the balance to zero, and / or

(b) calling the CSR for APR reduction? (You might be under 0% but I'm talking about ongoing)

[curranam]

My 13th statement will cut in the next 2 days, hoping for an auto CLI if not I will call and ask.  Thanks for all the posts.