Just wanted to share my experience with Barclaycard's credit department...
I just received my Apple Rewards card which came with a $3K CL. I wanted to make a purchase but as it turned out the total with tax came out to about $2800. It would most likely approve but didn't want to poke the bear with high utilization. So I called Barclaycard to ask about moving credit from my CashForward.
Once I got transferred to to CSR in their credit department the whole thing took less than 3 minutes. Literally. He asked how much to move from what card to what card and it was done. Easy peasy. It was so quick I also asked to move some more from my CF over to the Wyndham card to bump it up to Visa sig threshold. Done again. Like it was nothing. I logged into my account right after the call and they already show the new limits.
I asked about the Visa Sig thing and he said he didn't know how to get that upgrade offer or if the new limit would get it for me. So I just left it at that.
Anyway just wanted to share how easy it is to move limits with Barclaycard. I thought they were going to interrogate me or do a credit pull or something but there was none of that. My donor card is only a month old so apparently they don't care about that either.
I just received my Apple Rewards card which came with a $3K CL. I wanted to make a purchase but as it turned out the total with tax came out to about $2800. It would most likely approve but didn't want to poke the bear with high utilization. So I called Barclaycard to ask about moving credit from my CashForward.
Once I got transferred to to CSR in their credit department the whole thing took less than 3 minutes. Literally. He asked how much to move from what card to what card and it was done. Easy peasy. It was so quick I also asked to move some more from my CF over to the Wyndham card to bump it up to Visa sig threshold. Done again. Like it was nothing. I logged into my account right after the call and they already show the new limits.
I asked about the Visa Sig thing and he said he didn't know how to get that upgrade offer or if the new limit would get it for me. So I just left it at that.
Anyway just wanted to share how easy it is to move limits with Barclaycard. I thought they were going to interrogate me or do a credit pull or something but there was none of that. My donor card is only a month old so apparently they don't care about that either.
With Barclay, if you request a CLI they do a HP. If they offer it to you, it's a SP.
Wait for it.......