Barclaycard CLI without HP?

[Ghoshida]

Simply try the number on the back of your card.

Not backdoor numbers.

When you reach a CSR, ask for an APR reduction ONLY. Never ever say anything about a CLI. They don't see CLI offers.

Any good CS Rep will transfer you to a credit analyst at this point. If you don't get transferred, hang up and call again. Don't even bring up the topic of CLI.

Once you get to the analyst, the first thing you talk about MUST be the APR reduction. Don't get greedy. Let the analyst take a look at your profile. They are mostly nice people. Let them do their job.

Once the analyst responds to your APR reduction request (mostly positive), they often tell you about an SP CLI offer. If they don't proactively tell you, now you can ask about any offers.

If you are given a decent reduction (4% or so), chances are that you are eligible for a decent CLI as well.

Hope it helps.

[Ghoshida]

I think APR reduction leads to a recent soft pull which in turn activates potential CLI offers.

Front line CSRs cannot make such requests and don't see such offers.

BTW all of this is YMMV. Has worked for me 2/2 times but I can't guarantee that you will get results all the time!

Good luck.

[ojefferyo]

I called the number on the card, ask for an APR reduction. She looked into something and said she would have to transfer me to someone. Got transfered and she knew what I was calling for. She checked her computer and said she can reduce me APR from 18.24 to 14.24. Once that was done she asked if there was anyting else, of course I asked if I could have a CLI and she said of course and it would be a soft pull. She went ahead and checked, came back for a $4k CLI. Took all of about 6-7 minutes. Very simple IF they transfer you. 

[c32knight]

Called but not transfer, will try again shortly

[OmarGB9]

Yea I've called twice and couldn't get them to transfer me.

[Nova5041]

Yeah I did this a couple of months ago, called for Apr reduction, they reduce my apr and then i ask if there was a cli available, which she checked and told me it was going to be a soft pull. Then I received my credit limit increase! Kind of weird, to have to do this, but every creditor is different.

[takeshi74]

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@Anonymous wrote:

Has anyone asked for and recieved a CLI from Barclays without a HP? I inquired about a CLI with a CSR and he informed that they don't CLI wihtout a HP, ever. 

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Don't overlook prior discussions as a resource.  The "ask for an APR reduction" trick with Barclaycard is a fairly common topic.  You need to be transferred past the frontline CSR's for this.  A frontline CSR will tell you what you stated.

[SouthJamaica]

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@Ghoshida wrote:

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@Anonymous wrote:

Has anyone asked for and recieved a CLI from Barclays without a HP? I inquired about a CLI with a CSR and he informed that they don't CLI wihtout a HP, ever. 

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Is your card outside of the 0% APR promo?

If yes, then do the following:

1) Call Barclay CSR. Ask for APR reduction

2) You'll get transferred to credit analyst. Ask them for APR reduction

3) If your profile has grown since you got your card / last CLI, you'll get some reduction unless you're at rock bottom APR

4) Once done with APR reduction, ask to check if some SP CLI offers are around.

A couple of months ago a good number of people managed SP CLIs this way including yours truly.

Never believe a CC CSR. 

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That's the ticket

[kdm31091]

The other rarely mentioned point is that you may have difficulty getting transferred if you already have the lowest available APR. When I had upromise at the best APR, they wouldn't even transfer me because it was the lowest. Not that that means it's true for everyone, but seems to make it tougher to get transferred.