topic Walmart CLIs? in Credit Cards

Walmart CLIs?

bichonmom — Sat, 31 Mar 2012 23:40:17 GMT

Has anyone hit the luv button more than every 4 mos? Have you had any success in getting a CLI more often than every 4 mos? Also wondering if you've ever gotten a Discover offer from the luv button.

I am really anxious to PC my WM store card to Discover. My TU FICO is over 100 pts higher than when I got the card, mostly because a CA fell off. I should have just waited 2 mos., but I was anxious to get the monthly FICO. :smileyembarrassed:

Re: Walmart CLIs?

LS2982 — Sat, 31 Mar 2012 23:44:42 GMT

bichonmom wrote:
Has anyone hit the luv button more than every 4 mos? Have you had any success in getting a CLI more often than every 4 mos? Also wondering if you've ever gotten a Discover offer from the luv button.

I am really anxious to PC my WM store card to Discover. My TU FICO is over 100 pts higher than when I got the card, mostly because a CA fell off. I should have just waited 2 mos., but I was anxious to get the monthly FICO. :smileyembarrassed:

And a tiny bit of AMEX luv.................:smileyvery-happy:

I want to know this info. too, I haven't been successful getting more than 1 in a 4 month span.

Re: Walmart CLIs?

bichonmom — Sat, 31 Mar 2012 23:50:16 GMT

LS2982 wrote:
bichonmom wrote:
Has anyone hit the luv button more than every 4 mos? Have you had any success in getting a CLI more often than every 4 mos? Also wondering if you've ever gotten a Discover offer from the luv button.

I am really anxious to PC my WM store card to Discover. My TU FICO is over 100 pts higher than when I got the card, mostly because a CA fell off. I should have just waited 2 mos., but I was anxious to get the monthly FICO. :smileyembarrassed:

And a tiny bit of AMEX luv.................:smileyvery-happy:

I want to know this info. too, I haven't been successful getting more than 1 in a 4 month span.

Actually, my TU FICO went up 100 pts after the CA fell off, but my EQ stayed about the same. My EQ went up about 100 pts when Amex reported, and my TU went up a few points at that time.

Re: Walmart CLIs?

LS2982 — Sat, 31 Mar 2012 23:51:56 GMT

bichonmom wrote:
LS2982 wrote:
bichonmom wrote:
Has anyone hit the luv button more than every 4 mos? Have you had any success in getting a CLI more often than every 4 mos? Also wondering if you've ever gotten a Discover offer from the luv button.

I am really anxious to PC my WM store card to Discover. My TU FICO is over 100 pts higher than when I got the card, mostly because a CA fell off. I should have just waited 2 mos., but I was anxious to get the monthly FICO. :smileyembarrassed:

And a tiny bit of AMEX luv.................:smileyvery-happy:

I want to know this info. too, I haven't been successful getting more than 1 in a 4 month span.
Actually, my TU FICO went up 100 pts after the CA fell off, but my EQ stayed about the same. My EQ went up about 100 pts when Amex reported, and my TU went up a few points at that time.

100 pts for a CA coming off is fantastic! Congrats!

Re: Walmart CLIs?

bichonmom — Sun, 01 Apr 2012 05:56:45 GMT

Tried for CLi and denied. I think they're still using an old pull/score, and my score has gone up lot. Does anyone know how I could get them to look at a more recent CR/score w/o a HP?

Re: Walmart CLIs?

LS2982 — Sun, 01 Apr 2012 12:59:47 GMT

bichonmom wrote:
Tried for CLi and denied. I think they're still using an old pull/score, and my score has gone up lot. Does anyone know how I could get them to look at a more recent CR/score w/o a HP?

Call in for a manual review once you get the denial letter in the mail.

Re: Walmart CLIs?

payingoffdebt001 — Sun, 01 Apr 2012 14:11:58 GMT

Was wondering, is low utilization and few inquiries important when requesting a CLI's with GE? or just being a good customer and paying your bill on time is what counts? I ask because I am now using my other cards more and wont really be able to get them back down for a couple months. I dont want to hit the luv botton if GE does look at your full credit report to make a decision. I'm current on everything just needing to use the other cards more these days and not PIF but paying.

Re: Walmart CLIs?

LS2982 — Sun, 01 Apr 2012 14:12:16 GMT

payingoffdebt001 wrote:
Was wondering, is low utilization and few inquiries important when requesting a CLI's with GE? or just being a good customer and paying your bill on time is what counts? I ask because I am now using my cards and my other cards more and wont really be able to get them back down for a couple months. I dont want to hit the luv botton if they do look at your full credit report to make a decision. I mean I'm current on everything, just needing to use the other cards more these days and not PIF.

I think low util. is a biggie, INQ's not so big.

Re: Walmart CLIs?

tcbofade — Sun, 01 Apr 2012 19:26:08 GMT

LS2982 wrote:
payingoffdebt001 wrote:
Was wondering, is low utilization and few inquiries important when requesting a CLI's with GE? or just being a good customer and paying your bill on time is what counts? I ask because I am now using my cards and my other cards more and wont really be able to get them back down for a couple months. I dont want to hit the luv botton if they do look at your full credit report to make a decision. I mean I'm current on everything, just needing to use the other cards more these days and not PIF.
I think low util. is a biggie, INQ's not so big.

Yeah, what he said.

I've never been late with a payment...often pay more than minimum...but always carry a balance...some wayyyy to high...and I've NEVER had a CLI from any of my GE cards.

Re: Walmart CLIs?

LS2982 — Sun, 01 Apr 2012 19:31:16 GMT

@tcbo Was your overall util. high everytime you asked for CLI's?

Re: Walmart CLIs?

bichonmom — Sun, 01 Apr 2012 19:31:48 GMT

I always PIF -- usually BEFORE the statements cut. It seems like not all GE accts are equal when it comes to CLIs. WM somehow seems harder to get CLI than ON.

Re: Walmart CLIs?

tcbofade — Sun, 01 Apr 2012 19:33:47 GMT

LS2982 wrote:
@tcbo Was your overall util. high everytime you asked for CLI's?

Define "high".

Wait, never mind.

Yes.

Re: Walmart CLIs?

LS2982 — Sun, 01 Apr 2012 19:47:26 GMT

@tcbo LOL! anything above 10% is considered high.

Re: Walmart CLIs?

BlueNightStar — Sun, 01 Apr 2012 19:51:40 GMT

bichonmom wrote:
I always PIF -- usually BEFORE the statements cut. It seems like not all GE accts are equal when it comes to CLIs. WM somehow seems harder to get CLI than ON.

That's what I do, too. As soon as I made a 6 month 0% interest purchase on Amazon they softed my TU. Two weeks later when I only made a partial payment and let a balance post, I got a huge (for me) CLI. The Amazon card seems good for easier to get, larger limits.

Re: Walmart CLIs?

rootpooty — Sun, 01 Apr 2012 19:55:52 GMT

bichonmom wrote:
Has anyone hit the luv button more than every 4 mos? Have you had any success in getting a CLI more often than every 4 mos? Also wondering if you've ever gotten a Discover offer from the luv button.

I am really anxious to PC my WM store card to Discover. My TU FICO is over 100 pts higher than when I got the card, mostly because a CA fell off. I should have just waited 2 mos., but I was anxious to get the monthly FICO. :smileyembarrassed:

based on what ive read on here people seem to be getting increases every 4 months from hitting the luv button. some get lucky some dont. I too have been looking at walmart for a store card being i do alot of shopping there.

Re: Walmart CLIs?

namvet — Sun, 01 Apr 2012 20:59:41 GMT

I've received 3 increase in credit lines as requested during the 1st 6 months of card ownership. Only PIF once during that period. YMMV

Re: Walmart CLIs?

LS2982 — Sun, 01 Apr 2012 21:40:29 GMT

@namvet Was your overall util. high on those CLI attempts?

Re: Walmart where is the luv button at??

Mumu1975 — Wed, 03 Oct 2012 12:05:55 GMT

Re: Walmart CLIs?

CS800 — Wed, 03 Oct 2012 14:00:58 GMT

bichonmom wrote:
Has anyone hit the luv button more than every 4 mos? Have you had any success in getting a CLI more often than every 4 mos? Also wondering if you've ever gotten a Discover offer from the luv button.

I am really anxious to PC my WM store card to Discover. My TU FICO is over 100 pts higher than when I got the card, mostly because a CA fell off. I should have just waited 2 mos., but I was anxious to get the monthly FICO. :smileyembarrassed:

Im curious about that too. I just passed the 4 months mark since my CLI. I would love the Discover version too.

Re: Walmart CLIs?

CS800 — Wed, 03 Oct 2012 14:12:33 GMT

100 points when a collection dropped, outstanding !!

I have a CO dropping off soon. Hope I have the same results lol