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buying something more than my CL

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NRB525
Super Contributor

Re: buying something more than my CL

OP you are poking the Barclays bear by trying too many tricks too soon in your card relationship. You called them multiple times and they told you a consistent message.

Give up on using the Uber VISA, I even suggest canceling the payment from Schwab to Barclays. There is no forecast of AA, but Barclays does not stand for this sort of trick.

Use the AMEX, reward AMEX for having faith in you.
High Bal Jan 2009 $116k on $146k limits 80% Util.
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April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 31 of 43
HeavenOhio
Senior Contributor

Re: buying something more than my CL

Exactly. Don't poke the Barclays bear. They're too prone to adverse action. We've seen it for a vast array of reasons, and this fits right in. Besides not being worth the risk, it's not worth the inconvenience.

 

Additionally, Barclays CLIs (like Barclays AA) are all over the map. There's no solid evidence that spending is going to help you. It doesn't hurt to try, of course, but you're trying too hard. Smiley Happy

 

By the way, you might get an extra year's warranty if you use AMEX.

Message 32 of 43
UncleB
Credit Mentor

Re: buying something more than my CL


@Kforce wrote:

@Anonymous wrote:

oh didnt know i can push a payment from my bank.

 I have done the following....

 - scheduled a payment on Barclays site for tomorrow for 499$

-scheduled a bill to be paid from my bank ( Schwab) to Uber visa card to be sent tomorrow 

hopefully one of these methods will work

I have tried talking to CS they made it very clear it's not allowed to prepay and the CS told me I should wait 1-3 years before requesting a CLI......

 

if somehow none of these work, I will use my Amex Smiley Happy

 


It should work as far as getting money to Barclays,  however they might be one of the issuers that do not raise your credit limit from the overpayment.  Some do and others don't.  US-Bank's Cash Plus does and both my FNBO Cards don't. Can't remember about the Sallie Mae.

I guess you will find out soon!

 

 I also like gift card idea.


+1

 

You can add Capital One to the 'no' list.

 

A while back I submitted a payment from WF's bill pay; I got an error message and rather than fight with it I went to my USAA account and submitted the payment from there.  A few days later I realized the WF payment had been successful after all, leaving my Capital One card with a credit balance of just over $1800.

 

Rather than request a refund, I simply charged against the credit balance, but my available credit never reflected more than my "real" credit limit.  As charges would go from 'authorized' to 'posted' my credit balance would be reduced and my credit limit would revert back to my assigned credit line.

Message 33 of 43
Anonymous
Not applicable

Re: buying something more than my CL


@HeavenOhio wrote:

Exactly. Don't poke the Barclays bear. They're too prone to adverse action. We've seen it for a vast array of reasons, and this fits right in. Besides not being worth the risk, it's not worth the inconvenience.

 

Additionally, Barclays CLIs (like Barclays AA) are all over the map. There's no solid evidence that spending is going to help you. It doesn't hurt to try, of course, but you're trying too hard. Smiley Happy

 

By the way, you might get an extra year's warranty if you use AMEX.


I think I have pissed off the bear. I Can't log into my Barclay account not even after a password reset.

 

there is 1439$ in pending payments

 

update : looks like their website was down

Message 34 of 43
Anonymous
Not applicable

Re: buying something more than my CL

thanks everyone. it worked !!! 

Capture.JPG

 

CS  told me payment should be credited tomorrow. but they can legally hold it for 7 days 

 

Message 35 of 43
Anonymous
Not applicable

Re: buying something more than my CL

See what the available credit says after it clears... it might still say $500.

 

Message 36 of 43
Anonymous
Not applicable

Re: buying something more than my CL


@Anonymous wrote:

See what the available credit says after it clears... it might still say $500.

 

Capture.JPG

 

just called them. they said I will have a credit line of 938.67 on Monday ( after 3 days).

 

apparently, there is a system hold on my account that they cant remove because my account is new and there were a lot of payments. they are worried I might reverse the payments Smiley Frustrated 

Message 37 of 43
Anonymous
Not applicable

Re: buying something more than my CL

final update:

Capture.JPG

you cant use more than your credit limit even if you push payments with barclay

Message 38 of 43
UncleB
Credit Mentor

Re: buying something more than my CL


@Anonymous wrote:

final update:

Capture.JPG

you cant use more than your credit limit even if you push payments with barclay


That's what I was afraid of... sorry it didn't work out.  Smiley Sad

Message 39 of 43
HeavenOhio
Senior Contributor

Re: buying something more than my CL

@Anonymous, if your limit is $500, why is your available credit only $311? Are there pending charges?

Message 40 of 43
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