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@tjrssibelle wrote:
@MazdaSpeed wrote:
@tjrssibelle wrote:
Do you have Barclays? --Yes
Which Product? --Barclaycard Arrival World MC (AF)
How long have you had it?--not here yet
Recon or Instant?--instant
Has you account been CLD'd--not yet
How many new accounts at the time of app? -- 3 (BCE, Chase Sapphire, Discover It) two days prior
How many apps since?--None
Initial CL?-- $1500 with instant approval; $5000 after recon
CLIs? (how far apart, initiated by you; if so, recon? or auto?)--none yet
Spend habits (carry a balance? PIF? churn points?)--PIF
Score?-- 736 TU from credit Karma
the minimum CL isnt 5k?
maybe that $1500 was a fluke
I got the card yesterday, it's the platinum not World...I thought they would upgrade me to the world version after the CLI. I wasted an INQ for nothing, no 40,000 miles for me.
Do you have Barclays? --Yes
Which Product? -- Barclaycard Financing Visa (From Apple store application)
How long have you had it?--Mid 2010
Recon or Instant?--instant
Has you account been CLD'd-- No, in fact I have received large annual increases, now up to $6300, no HP
How many new accounts at the time of app? -- None
How many apps since?-- 5, all approved, and two car loans
Initial CL?-- $1300 initial, now at $6300
CLIs? (how far apart, initiated by you; if so, recon? or auto?)-- Annual, $2200, $4300, $6300
Spend habits (carry a balance? PIF? churn points?)-- Carry a promotional finance balance
Score?-- Mid 600s when approved, low 700s today according to MyFico
As a side note, I once made a large Apple purchase that didn't get the promotional financing applied, and I was still carrying a defered balance. I wasn't aware that the new purchase was devoid of a promotion, so when I worked out how much I needed to pay per month to pay everything off within the financing terms I ended up not paying off the defered balance in time because my payments were going to the interest bearing charge first. I noticed this after there was a $~300 interest charge. I called and they agreed to waive the finance charges if I PIFed the $700 balance.
After intense research, I finally gave in and apped for a Barclays. I was going for an Apple ogriginally, but after BCP success, decided to aim a bit higher...I want to buy a lap top and the 12 months 0% is the same, plus I feel like it got me a higher limit. Anyway, as I intend to make a purchase and will carry a balance for a bit, I'd liek to hold on to that $7500 CL! I do agree with the people who tend toward believing that the CLD isn't as frequent as it appears, but I thought maybe it would be helpful to try and establish a pattern, as difficult as it may be.
My thoughts are that it is dependent upon a mix of things--spend habits, credit profile, but also might have to do with the type of Barclay product. So, a survey for anyone who wants to play:
Do you have Barclays? -- YES
Which Product? --Barclaycard Apple VISA
How long have you had it?-- since Nov 2011
Recon or Instant?-- RECON
Has you account been CLD'd-- NOPE
How many new accounts at the time of app? -- TOO MANY TO COUNT
How many apps since?-- 2
Initial CL?-- $1500
CLIs? (how far apart, initiated by you; if so, recon? or auto?)-- NOPE
Spend habits (carry a balance? PIF? churn points?)-- VARIABLE
Score?-- 616...NO JOKE---HP on TU.
@MazdaSpeed wrote:
The plat card doesn't get the bonus? Bummer, I was denied at first and reconned and got the 5k limit, I think the sign in says world mc, but I haven't gotten it in yet. So I'm not positive
I decided to call today about the possibility of upgrading to the World version and the customer representative said that it all depened on my spending habits over the next few months, they usually review the card and consider upgrading after $25,000 have been spent and PIF every month for the previous year. He also told me that I am still eligible for the 40,000 miles sign on bonus even with the Platinum
Do you have Barclays? --Yes
Which Product? -- US Airways MC, NFL Visa Siggy, also had Rewards MC, but closed it and combined limit with US Air card
How long have you had it?-- US Air, 2009, NFL Visa since 9/12
Recon or Instant?--US Air; NFL -sent to underwriter for review, because I already had 2 accounts with them at the time
Has you account been CLD'd-- No
How many new accounts at the time of app? -- None with US Air, Had 6 new accounts in prev 6 months when approved for NFL card
How many apps since?-- 0
Initial CL?-- US Air $ 4000, NFL Visa $5k
CLIs? (how far apart, initiated by you; if so, recon? or auto?)-- Yes, US Air one Auto CLI, then combined with Reward card limit now 7250. NFL Visa got increase by using offer with BT check for 3k, to get limit to $8k, no hard pull.
Spend habits (carry a balance? PIF? churn points?)-- US Air, usually paid in full. NFL Visa currently carrying a promotional finance balance
Score?-- 703 when approved for US Air, Approx 760 when approved for NFL Visa