@Repairman wrote:I have had the card since December 2020 and have done very well with it. I have put thousands of dollars through it, paid it off to 0, met spend for a 100k point SUB, was given another 0% BT offer that I took advantage of, putting $3000 back on the card and paid it down to $400 currently (with 4 months left on the offer), and have received repeated, additional offers from them. I am therefore, surprised, that I have not received an auto cli from them yet. My cl is $8000 and I really would like for it to be higher, so if I take advantage of other offers they send my way, I'd have a big enough cushion to not be sitting close to my limit. Should I go ahead and take the HP hit and request a CLI, or should I sit tight and hope they give me an automatic one? How genrous are they with granting cli requests or giving auto increases?
1. They very very rarely give auto CLI's.
2. Any CLI request is always HP on TU.
3. They are known to take adverse action against people for no good reason, and one thing that came up in the discussions -- including mine -- is balance transfers; many people who suffered adverse action reported having accepted balance transfer offers. Barclays seems to hold it against you if you take advantage of their balance transfer offers. They seem to think accepting balance transfer offers is a sign of financial desperation.
4. My advice to you if you want an auto CLI is to (a) not use the balance transfer offers, and (b) keep your spending in the 10% to 20% range of the credit limit. They published a blog article once in which they indicated that the best way to get a CLI is to not spend too little (which they consider renders you unprofitable) and to not spend too much (which they consider renders you risky). However, your best bet IMHO is to just put the thought of a CLI out of your mind.
It's a shame that such a good card is in the hands of such a bad bank.
