CLI request with new app coming up?

[907grown]

i am going to do a small BT to my Barclays Reward as I was advised on here it is a good idea. I haven't had a auto increase with them in a LONG time. I am apping for the NFL card next month to take advantage of the 15 month at 0 percent. My freedom has a sizable balance and will end its promotional rate in December, so I will be BT that over to Barclays. So in knowing that I am going to app with them next month, would it be a bad idea to call them today and ask if there is a soft pull CLI offer available on my account?

[kdm31091]

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@907grown wrote:

i am going to do a small BT to my Barclays Reward as I was advised on here it is a good idea. I haven't had a auto increase with them in a LONG time. I am apping for the NFL card next month to take advantage of the 15 month at 0 percent. My freedom has a sizable balance and will end its promotional rate in December, so I will be BT that over to Barclays. So in knowing that I am going to app with them next month, would it be a bad idea to call them today and ask if there is a soft pull CLI offer available on my account?

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I know this isn't really your question, but have you contacted your other lenders to ask about a 0% BT offer without actually opening a new card? For example, Discover often does BT offers. You could move your Freedom balance over without a new HP and account (unless you really want the NFL card).

Anyway, to answer your question, I see no big deal, but if you are concerned it may be better to "lay low" with Barclay until your app.

[907grown]

I will be BT part of that freedom amt over to discover. I have and 18 month at 5% offer that I will be taking.

[kdm31091]

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@907grown wrote:

I will be BT part of that freedom amt over to discover. I have and 18 month at 5% offer that I will be taking.

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My only caution would be to try and avoid falling into a habit of seeking new cards for 0%/BTs. While we all have to carry a balance sometimes because life happens, new cards and 0% offers are merely bandaid solutions. If one is spending beyond their means (not saying you are), they have to correct that vs worrying about another new account. In other words, correct the cause of the debt. Sometimes the cause is obvious -- your pipes burst, a family emergency, your dog is sick, etc, but sometimes with credit cards people don't realize they are overspending. Anyway, I don't mean to lecture you, just pointing out that a new account may not help in the long run if the debt isn't corrected. Good luck!