Just got an auto CLI on my Barclaycard Arrival on my 6-month statement

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CarefulBuilder14
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Postby CarefulBuilder14 » Tue Feb 17, 2015 7:24 pm

http://www.barclaycardring.com/t5/image/serverpage/image-id/468i7D4123A461768F53/image-size/large?v=mpbl-1&px=-1

That's an image originally from the Barclaycard website someone posted on MF. I can't find its original context on the Barclaycard website, though. It does seem to suggest that when it comes to CLIs, Barclaycard favors people who carry, or at least have report, a moderate balance. If you review your recent charges and PIF more regularly like I do, then Barclaycard make be less likely to give an auto-CLI. In other words, they may favor 20% utilization over 2%, and 2% over 75%.

I'm not saying high balances are good - those are definitely vulnerable to CLDs. But maybe Barclaycard is less likely to give CLIs if they don't expect a customer to use the limit (unless the customer suddenly needs money urgently and becomes a credit risk). After all, I have no good reason to spend more than $250+$250+$750=$1,250 ever on the card in a month.

For people who have had Barclaycard products for more than 6 months, were you having large balances report? Or paying interest? Spending a lot or a little? With CLIs at 6 months or not?

I've had all SM balances report under about 7%, I've spent a few hundred dollars a month on it, and haven't paid interest.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when


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CarefulBuilder14
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Postby CarefulBuilder14 » Thu Feb 19, 2015 11:37 pm

I logged onto the Barclaycard site just now and before my regular profile came up, they asked me to update my email, address, and income. That was the first time they asked for an update.

I said nothing had changed. I didn't get an instant CLI (or CLD) but I suspect if there will be an auto CLI, it will be soon.

Not that I really need one on it, but a little boost to my average CL would be nice.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

jcarte29
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Postby jcarte29 » Fri Feb 20, 2015 4:10 am

Battery111 wrote:I hope you'll report back in two months and let us know. The US Airways card is my first foray into Barclays so I'm curious to see what, if anything, they do at six months.


I sure will, and I'm soooooo stinkin close to paying my balance on that card off! It was a B/T of close to $1,900 4 months ago, along with a couple small purchases and the taxes of a plane ticket (using the bonus miles I got for signin up) and my balance as of today is $707.
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CarefulBuilder14
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Postby CarefulBuilder14 » Tue Mar 10, 2015 1:32 pm

Well, no 6-month SM auto-CLI for me. I'm not sure which of these may have been factors beyond my general creditworthiness and income, but...

I used the card almost exclusively for 5% spending.
I used the card at least once every statement, but did not have a balance at the end of every statement.
I opened two other cards in the six months after the SM account was opened, both currently reporting, and a third card I had opened before SM started reporting on my CRs.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

popamode72
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Postby popamode72 » Tue Mar 10, 2015 2:10 pm

Thanks for posting your stats careful. I haven't used my Barclay's card in two months and there's a 0 balance. Sixth statement generates tonight so I'm not too hopeful I'll get more but either way, 2.5k is still a decent limit for me. Highest balance reported has been 206 dollars.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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lobbythis
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Postby lobbythis » Tue Mar 10, 2015 2:23 pm

6 months for me at the end of this month. Since they refuse to PC cards, I'm not sure what to do. Request CLI or apply for Arrival? Both are HP's so it's a tough decision seeing as how neither one is promised a good outcome. I have no use for this Rewards card so maybe if I tell them I want to cancel, they will PC.

popamode72
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Postby popamode72 » Wed Mar 11, 2015 12:23 am

Sixth statement generated a few hours ago. No CLI for me. Guess I'll be at 2.5k for a while.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

popamode72
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Postby popamode72 » Wed Mar 11, 2015 12:24 am

lobbythis wrote:6 months for me at the end of this month. Since they refuse to PC cards, I'm not sure what to do. Request CLI or apply for Arrival? Both are HP's so it's a tough decision seeing as how neither one is promised a good outcome. I have no use for this Rewards card so maybe if I tell them I want to cancel, they will PC.


App for the Arrival because of the bonus and then you can convince them to move your Rewards limit over to open up the card.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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CarefulBuilder14
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Postby CarefulBuilder14 » Sat Mar 21, 2015 1:14 am

I have another 5 months on Sallie Mae at 0%. I might "go wild" and build up a $600 or $700 balance over two or three months to get to 13% to 15% utilization (on of a $4500 CL card) to see if that can improve my odds for a CLI. It might not help much, though, if they care more about getting lots of off-bonus-category spending (which I don't give them) than about higher utilization from moderate spending and minimum payments at 0%.

My overall utilization would remain under 3%, and I would keep cash in my checking account, ready to PIF if necessary.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

amex007
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Postby amex007 » Sun Apr 19, 2015 10:32 pm

CarefulBuilder14 wrote:Well, no 6-month SM auto-CLI for me. I'm not sure which of these may have been factors beyond my general creditworthiness and income, but...

I used the card almost exclusively for 5% spending.
I used the card at least once every statement, but did not have a balance at the end of every statement.
I opened two other cards in the six months after the SM account was opened, both currently reporting, and a third card I had opened before SM started reporting on my CRs.


Why would you pay off the card and not leave a balance at the end of every statement? I dont really see an advantage to that and maybe thats why they think your usage is actually lower than it really is... I always try to PIF after i get the statement.
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