Barclaycard Card Upgrade? I guess

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
13 posts
Vermonster
Centurion Member
Centurion Member
 
Posts: 725
Joined: Mon Oct 01, 2012 11:09 pm
Location: NJ

Re: Barclaycard Card Upgrade? I guess

Postby Vermonster » Thu Oct 08, 2015 11:35 am

jcarte29 wrote:
Vermonster wrote:
jcarte29 wrote:So I'm slowly and surely getting each of my limits upto the 10k range (at least the ones I care about the most).


So what about asking for a CLI on that Amex? Easy SP online. You can ask for up to 3 times your current limit and normally you'll get an instant decision (most likely a counter offer).


Odd circumstance. I requested one back at the end of July, and was denied totally, even after a follow up phone call. They said my balance was too high (I admit I had run it up a bit but it's still in the 0 percent promo).

I'm actually glad you bring that up, because I want to ask if I have to still wait 90 days (which at this point will be less than 30) for the next request? Or if I can go ahead and do it?

I didn't press the issue because I didn't want to get in an argument with a creditor, but I was a bit disappointed (no one to blame but myself for the balance, but still, haven't missed any payment and it has always been more than the minimum, on ALL my cards, not just the AMEX)


You'll have to wait 90 days after the denial, its 180 after an approval. Out of curiosity what was your balance? I have heard varying reports that a balance can kill any chance of a CLI. I got my CLI with a very small balance ($400/$6000) but had 2 months of PIF first.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k


jcarte29
Centurion Member
Centurion Member
 
Posts: 183
Joined: Fri Jan 30, 2015 1:29 pm
Location: Charlotte, NC

Re: Barclaycard Card Upgrade? I guess

Postby jcarte29 » Thu Oct 08, 2015 11:41 am

[/quote]You'll have to wait 90 days after the denial, its 180 after an approval. Out of curiosity what was your balance? I have heard varying reports that a balance can kill any chance of a CLI. I got my CLI with a very small balance ($400/$6000) but had 2 months of PIF first.[/quote]


It was 4500 (6k limit as my sig shows). I tried to argue that it's to their benefit that I was using it a lot lol, that didn't work out well. I'm paying down the balance fast because theres no interest tacking to it, but yah.
Portfolio:
CITI Diamond Preferred $7,000 [06-16]
AMEX Platinum (Charge) [11-16]
AMEX EDay $12,000 [11-14]
Lowes Store $15,000 [4-14]
CSP VISA $6,000 [7-14]
GM MC $9,000 [9-14]
AAdvantage Red MC $10,350 [10-14]
Discover IT $4,500 [03-15]
Chase Marriott VISA $5,000 [04-15]
Cap One Quick $2,600[4-10]

User avatar
lobbythis
Centurion Member
Centurion Member
 
Posts: 618
Joined: Sun Sep 07, 2014 8:53 pm
Location: usa

Re: Barclaycard Card Upgrade? I guess

Postby lobbythis » Thu Oct 08, 2015 12:19 pm

I concur, they definitely do not like high balances. They gave me sh*t about mine too.



Return to “Visa & MasterCard”

Who is online

Users browsing this forum: No registered users and 2 guests