What Does Barclay Like to See?

[Fico2Go]

Well I just past my 6th statement and still no auto CLI.  I carried a balance 3 of the last 6 months and then PIF.  Last month I used up the full CL and PIF. 

Still no increase.  But maybe I need to wait til month 7. 

[bk510]

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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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Would 15 to 20 swipes a month considered a heavy use? or is it come down to strickly dollars?

[bk510]

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@Fico2Go wrote:

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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.  

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I just got 1 today as well.

[IamB2]

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@myjourney wrote:

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

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 Ha! The least I can do is help when I am around. I have received so much help from this community myself, and although I am still at the early stages of my learning curve, I have to give something back. So it was my pleasure

[TheSeeker]

I got my Barclay's Reward card in December with a $500 limit.  I charged about $200 - $300 and paid off everything except for maybe $20 or so before the statement cut date.  I did that for the first few months.  Then I started charging up to just under the $500 limit by a few dollars.  I let the statement cut for that balance and paid between $100 and $200 and carried the rest of the balance.  My balances have gone up and down since.  I may pay $200 then almost immediately once the payment posted, I would ccharge back up $200.  I just stopped really caring how much I charged as long as I didn't go over my limit.  Last month, I paid everything except for  about $100 and this month I got a CLI from $500 to $1500.

[juggalo9er]

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@Stralem wrote:

Heavy usage.

Balance carrying.

Paying more than minimums.

Balance transfers from other cards.

People who do this tend to get the fat auto CLIs with Barclays (in my case, a nice $2K auto increase).

People who just park balances (no usage) or always pay in full (no interest?) don't get as much love. This has been well discussed.

But I don't think it's a good idea to change your spending habits just to get a credit line increase.

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+1 and they value your history with them more than your report history to a degree/////(bastard british uncles)

[Reighn9]

It's very hard to BT and not PIF when Barclay only gives you a CL of $650. How do you play their game in this case?

[juggalo9er]

$400 bt....its their rules sadly enough...post 1,000 meow

[mossmanb5]

i got my rewards card on nov / 26 / 2013  since then i have opened 12 new accounts but all util combined is 5 percent, also use everymonth sometimes pif and sometimes let a small balance report. coming up on my 7th month in a few weeks and still not have seen a cli. all my scores have slowly risen about 10 points since acct opening. i guess i should be happy that they have not aa my butt for all the new accts. scared to call in for a cli for just that reason and dont need any more hps. i have about 18-20 inqs on each report. i did log on about 2 -3 weeks ago and it asked me to update my info , salary etc, so i guess that was my sp to them and i guess they wasnt impressed. 

[Open123]

From my experience, Barclay, similar to Citi, has a strong preference for those who carry balances.  Of course, it isn't worth paying interest just to carry a balance, but utilizing the 1% fee on a balance transfer check to carry a balance over 12 months isn't a bad idea.