Hmmm what do you think

[Anonymous]

I received my Barclays reward card, 2.5 weeks ago with a 1300 cl,I ran up like 150 and paid 100. I did this a few times, always leaving a balence. Well I log in today and it says my credit limit is now 500. 😳 I couldn't believe that they cld me before I even got the statement! I called Barclays right away asking why. The lady said umm looks like its something about 90 day past due payments(from 3 years ago) now correct me if I'm wrong but, wouldn't they have caught that during the approval process? I also applied for a discover it immediately after applying for the Barclays card. Now I hear they HATE any kind of apping after you apply for their card. I do not believe that the 90 day later were the reason for the cld. I believe that they were upset I applied for the discover after getting approved by them. I have read numerous posts of this happening and it was really due to aping for new accounts. I spoke to the under writer who immediately reinstated my 1300. I also explained how far I have come in a year (545-663) and how upset I was to basically be kicked down the ladder again. Anyone else have Barclays issues?

[Anonymous]

Eta I was approved for the discover it, 1600cl.

[Anonymous]

From what I've read here and elsewhere, Barclays is very conservative when it comes to lending.  I would say that your story sounds fairly typical.

Like you said, Barclays doesn't like apping after you get their card.  Be careful about apping too much.  I don't think you're going to have a problem, but just in case.  And, anyway, when it comes to rebuilding credit, sometimes less is more.

Congrats on getting the CL back up, and on the Discover card!

[Anonymous]

Thank you!! Yeah I'm done applying until at least November.

[Anonymous]

I've read the same thing too and I needed to see your post to remind me lol.  I keep thinking I want to apply for both once I leave the garden but clearly not a good idea.  

[Anonymous]

I didn't even know any of that until after I applied, however I thought well it's not gonna happen to me. They must have done something wrong. Oops was I wrong! Lol

[Membersince2013]

Yup... Barclays is stingy with me too, not news here.

[Anonymous]

They are stingy when they don't know your history.

[Anonymous]

If that's the case then they should have started me with a 500cl, not a 1300 and decrease it. Lol

[Anonymous]

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@Anonymous wrote:
If that's the case then they should have started me with a 500cl, not a 1300 and decrease it. Lol

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For reference, the wife's first Barclays approval was for $1,500 with a 690 TU FICO.

Her second card was $7,500 with a 717 TU FICO. The third resulted in closing the first card and chopping some CL from the second one.