Barclaycard Ring’s credit limit can be anywhere from $300 to $25,000, according to current cardholders. But Barclays does not disclose any specifics about the Ring Card’s limit – not even a guaranteed minimum amount. Applicants don’t find out what their spending limit will be until they’re approved for an account. A lot of other credit cards have a minimum limit listed in the terms and conditions. Your Barclaycard Ring credit limit will depend on your credit standing and available income, as with any credit card.
By the way, some Barclaycard Ring cardholders have reported some flexibility in getting higher credit limits when they called and requested one. So if you aren’t satisfied with the limit you receive, you can call Barclaycard customer service at (866) 928-8598.
You can request a Barclays credit limit increase online or by calling the number on the back of your card. You’re not guaranteed an increase with either method, but there’s a good way to estimate your chances. You’re more likely to get a Barclays credit limit increase if you’ve had your account for at least 6 months, you’ve always paid on time, and you haven’t seen any big drops in your credit score recently. Just keep in mind that if you ask for an increase, Barclays will do a … read full answerhard inquiry into your credit report, which will cause a temporary drop in your score.
You might not even need to ask. Barclays may give you an automatic credit limit increase any time after the six-month mark if you consistently pay on time and otherwise keep your account in good standing. Automatic increases won’t result in a hard credit pull.
Here’s how to request a Barclays credit limit increase online:
On the informational page, click on “Request a credit line increase.”
Enter the amount of additional credit you’d like, along with your occupation, employer, length of employment and total annual income.
Review your information and submit the request.
It’s possible to get an instant decision on your Barclays credit limit increase request. But it can also take up to 10 business days to hear back by email.
Here’s how to get a Barclays credit limit increase by phone:
Call the number on the back of your card.
Verify your identity with your card number and Social Security number.
Tell the Barclays representative you’d like a credit limit increase.
Answer questions about your employment and income.
Getting a credit limit increase is great because it reduces your credit utilization if you keep your spending the same, or allows you to spend more without increasing your utilization. If your Barclays credit limit increase request gets denied, you can ask again once a month has passed. Just don’t forget that each request will result in a hard pull of your credit, which may temporarily damage your credit score, especially when there are lots of them in a short period of time.
A good idea would be to unfreeze all three, because they don't release that info. They might pull one credit report, they might pull all three. If you want to apply for this card (or any card in general), you should get that freeze off, at least until you apply.
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