What Does Barclay Like to See?

[EW800]

Hi Everyone,  

I was approved for a Barclay card last week, rather surprising with an opening CL of $7K.   I have read numerous threads stating that they watch accounts carefully and can be generous with the CLI's after six months of good behavior.  I was just wondering if we know if they prefer to see PIF every month or if they like to see a balance being carried for the Auto-CLI's?   I doubt that I will charge more than a couple of hundred a month to the card (fuel and some groceries) and will PIF every month.  Would this likely be seeing that they would like to see after the first six month review?

Thanks!  

[myjourney]

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@EW800 wrote:

Hi Everyone,  

I was approved for a Barclay card last week, rather surprising with an opening CL of $7K.   I have read numerous threads stating that they watch accounts carefully and can be generous with the CLI's after six months of good behavior.  I was just wondering if we know if they prefer to see PIF every month or if they like to see a balance being carried for the Auto-CLI's?   I doubt that I will charge more than a couple of hundred a month to the card (fuel and some groceries) and will PIF every month.  Would this likely be seeing that they would like to see after the first six month review?

Thanks!  

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Its long but very helpful info when it come to Barcaly 

http://ficoforums.myfico.com/t5/Credit-Cards/Barclay-CC-let-s-put-our-heads-together/m-p/2297693#M64...

Edit I guess adding the link would help Oooops Lol

[IamB2]

I think MyJourney meant to post this link?

http://ficoforums.myfico.com/t5/Credit-Cards/Barclay-CC-let-s-put-our-heads-together/td-p/2297693

Really useful information...

EDIT: HAHA, he beat me to it

[CenturyChild]

The short version,

Heavy use and Large payments (or well over minimum)

They also like to see BTs and carrying a balance on occasion.

-- I always leave a balance to report on mine even though I PIF.

We seem to get along quite well.

Definately go through that thread linked. Tons of useful info there!

[myjourney]

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@IamB2 wrote:

I think MyJourney meant to post this link?

http://ficoforums.myfico.com/t5/Credit-Cards/Barclay-CC-let-s-put-our-heads-together/td-p/2297693

Really useful information...

EDIT: HAHA, he beat me to it

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Lol I was like wow how can I help w/o the info ....Thanks for having my back tho Bravo 

[Fico2Go]

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@CenturyChild wrote:

The short version,

Heavy use and Large payments (or well over minimum)

They also like to see BTs and carrying a balance on occasion.

-- I always leave a balance to report on mine even though I PIF.

We seem to get along quite well.

Definately go through that thread linked. Tons of useful info there!

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They haven't been too responsive with my CLI.  But I've been seeing BT checks in the mail so maybe it's time to use them.  

[Involver]

Barclay's likes to see you use your card and pay it off responsibly, just like every other lender.

[EW800]

Thanks to all for the great Barclay information and education!  

[Dw4250]

Universal Law of Credit Card Use In Order to Secure CLIs

1.  Use your card regularly

2.  Pay on time 

3.  PIF or pay at least above the minimum.

4.  Keep your balances generally below 30% (<10% is optimal)

5.  Rinse/Repeat

[MidnightJester]

Do you think they like the same thing across all their cards or slightly different behevior for their different cards? For me they way the ring card works and its benefits would scare alot of other banks to some degree. Their Barclay card "RING" is a nice temporary CASH ADVANCE and a LARGER BALANCE carrying at times type of card. Alot of banks dislike that use I think.