How do I force Barclaycard to give a reason for not increasing credit

born_again

Even a SAR will not get the reason. As they can withhold certain data.

Stirring it too far, may see the OP having the account limit reduced as others have or even closed down. As they no longer want the OP as a customer. Which is their rite & again does not require a reason.

BareTrusts

I thank everyone for your comments, I do not actually need the credit, just want to use the card to get the 0.25% cashback. I just want to know the true reason for refusing an increase in case they have information that needs correcting.. I have to keep pre-loading the card with credits so that I can pay for expensive purchases. I have had current accounts and credit cards with Barclays for well over 50 years, have always paid the full amount off in full so have never paid them any interest charges. I suspect because of this they consider me a bad customer because they do not make any money from my accounts. When you apply for a credit increase it is all computer generated and they do not ask the right questions. e.g. about your financial situation. If they stated that they did not want to increase credit because of age or because I had more than one card with them I would be happy to accept this. The Ombudsman has a lot more information about my situation and is continuing to progress my complaint. Will see what happens.

TheSpectator

BareTrusts said:

I thank everyone for your comments, I do not actually need the credit, just want to use the card to get the 0.25% cashback. I just want to know the true reason for refusing an increase in case they have information that needs correcting.. I have to keep pre-loading the card with credits so that I can pay for expensive purchases. I have had current accounts and credit cards with Barclays for well over 50 years, have always paid the full amount off in full so have never paid them any interest charges. I suspect because of this they consider me a bad customer because they do not make any money from my accounts. When you apply for a credit increase it is all computer generated and they do not ask the right questions. e.g. about your financial situation. If they stated that they did not want to increase credit because of age or because I had more than one card with them I would be happy to accept this. The Ombudsman has a lot more information about my situation and is continuing to progress my complaint. Will see what happens.

In Barclays shoes I'd be closing your account for time wasting and causing them expense.

Another example of why Ombudsman complaints should come with a fee in some situations.

fergie_

BareTrusts said:

I do not actually need the credit, just want to use the card to get the 0.25% cashback. 

Why not open an Amex, Santander Credit Card or Chase bank account that will give you between 1 and 5% cash back?

https://www.moneysavingexpert.com/credit-cards/best-credit-card-rewards/

Middle_of_the_Road

TheSpectator said:

BareTrusts said:

I thank everyone for your comments, I do not actually need the credit, just want to use the card to get the 0.25% cashback. I just want to know the true reason for refusing an increase in case they have information that needs correcting.. I have to keep pre-loading the card with credits so that I can pay for expensive purchases. I have had current accounts and credit cards with Barclays for well over 50 years, have always paid the full amount off in full so have never paid them any interest charges. I suspect because of this they consider me a bad customer because they do not make any money from my accounts. When you apply for a credit increase it is all computer generated and they do not ask the right questions. e.g. about your financial situation. If they stated that they did not want to increase credit because of age or because I had more than one card with them I would be happy to accept this. The Ombudsman has a lot more information about my situation and is continuing to progress my complaint. Will see what happens.

In Barclays shoes I'd be closing your account for time wasting and causing them expense.

Another example of why Ombudsman complaints should come with a fee in some situations.

That might cost them even more In an additional complaint. 

SiliconChip

BareTrusts said:

I have to keep pre-loading the card with credits so that I can pay for expensive purchases.

This is likely to be against the card's T&Cs, and could by itself result in your account being closed. I'd suggest that if you need more credit you apply for other cards as it's pretty clear that you're not going to get a higher limit from Barclaycard.

voluted

Middle_of_the_Road said:

TheSpectator said:

BareTrusts said:

I thank everyone for your comments, I do not actually need the credit, just want to use the card to get the 0.25% cashback. I just want to know the true reason for refusing an increase in case they have information that needs correcting.. I have to keep pre-loading the card with credits so that I can pay for expensive purchases. I have had current accounts and credit cards with Barclays for well over 50 years, have always paid the full amount off in full so have never paid them any interest charges. I suspect because of this they consider me a bad customer because they do not make any money from my accounts. When you apply for a credit increase it is all computer generated and they do not ask the right questions. e.g. about your financial situation. If they stated that they did not want to increase credit because of age or because I had more than one card with them I would be happy to accept this. The Ombudsman has a lot more information about my situation and is continuing to progress my complaint. Will see what happens.

In Barclays shoes I'd be closing your account for time wasting and causing them expense.

Another example of why Ombudsman complaints should come with a fee in some situations.

That might cost them even more In an additional complaint. 

In for a penny, in for a pound.

Hoenir

voluted said:

Middle_of_the_Road said:

TheSpectator said:

BareTrusts said:

I thank everyone for your comments, I do not actually need the credit, just want to use the card to get the 0.25% cashback. I just want to know the true reason for refusing an increase in case they have information that needs correcting.. I have to keep pre-loading the card with credits so that I can pay for expensive purchases. I have had current accounts and credit cards with Barclays for well over 50 years, have always paid the full amount off in full so have never paid them any interest charges. I suspect because of this they consider me a bad customer because they do not make any money from my accounts. When you apply for a credit increase it is all computer generated and they do not ask the right questions. e.g. about your financial situation. If they stated that they did not want to increase credit because of age or because I had more than one card with them I would be happy to accept this. The Ombudsman has a lot more information about my situation and is continuing to progress my complaint. Will see what happens.

In Barclays shoes I'd be closing your account for time wasting and causing them expense.

Another example of why Ombudsman complaints should come with a fee in some situations.

That might cost them even more In an additional complaint. 

In for a penny, in for a pound.

A sure way of being crossed off their Christmas Card list for life. Some customers are more trouble than they are worth. 

DullGreyGuy

TheSpectator said:

Another example of why Ombudsman complaints should come with a fee in some situations.

I assume that should have read shouldn't?

The ombudsman doesn't charge a fee on a truly spurious complaint but it does have to be really out there to be waived/not taken up. We had two Ombudsman complaints because of our choice of hold music and whilst the ombudsman didnt uphold either they did accept the cases so we paid the fees.

CliveOfIndia

BareTrusts said:

I have to keep pre-loading the card with credits so that I can pay for expensive purchases.

"Pre-loading" a credit card is against the T&C's.  In extreme cases they would be within their rights to close the account for breaching the T&Cs.  Admittedly that's probably unlikely to happen in practice, but it's not a good idea to continue doing this.

BareTrusts said:

have always paid the full amount off in full so have never paid them any interest charges. I suspect because of this they consider me a bad customer because they do not make any money from my accounts.

Ah, that old chestnut again.  A card issuer will make a decent-enough income from the fees they charge the retailer every time you use your card.  Yes, if you pay interest or fees they'll earn even more - but as long as you're using your card regularly, they'll be happy enough to get a nice steady income stream without any hassle.

BareTrusts said:

When you apply for a credit increase it is all computer generated

Spot on - they have a pretty complex algorithm that takes in your data, compares it in various permutations against their criteria, and the computer spits out a result.  That's how all lenders do it (well, perhaps with the possible exception of companies such as Coutts and the like, but that's really a completely different business model).

BareTrusts said:

The Ombudsman has a lot more information about my situation and is continuing to progress my complaint. Will see what happens.

I wouldn't hold your breath.  Unless you could prove that Barclays have discriminated against you on the grounds of a protected characteristic, they've done nothing wrong - it's a business decision, nothing more.