topic Re: Do I dare??? in Credit Cards

Do I dare???

snowkitty — Fri, 05 Oct 2012 11:24:19 GMT

I was just approved for the wal-mart store card last month and I have used it alot already and pay it off bi-weekly. My limit is only 600.00. Right now I have a current balance of 190.00 and I will paying it off today. I got the email of No interest if Paid in Full within 18 months for an electronics purchase of 429.00 or more. One of the Christmas gifts I was wanting to buy is at Wal-Mart and is over that amount. I would love to take advantage of that offer but I don't want o go that close to the limit. Do I dare and call to ask them for a cli with the card being so new? They upped my Old Navy limit from 250.00 to 600.00 and just approved me over the weekend for a sams discover for 1800.00. I looked on the Sams' website and they do not offer the same deal. Would I be pressing my luck? Do you think they would approve an increase this soon? Just a bump to 1000.00 would be all I would need.

Re: Do I dare???

bahbahd — Fri, 05 Oct 2012 12:28:47 GMT

I don't think asking for a CLI ever hurts unless you know for sure they would do a hard pull. I think you are safe

Re: Do I dare???

Shogun — Fri, 05 Oct 2012 12:57:38 GMT

All they can do is say no. :)

Re: Do I dare???

RockinRay — Fri, 05 Oct 2012 13:00:08 GMT

I would call the back door number, tell then what you want to do (promotion) and ask them.

My guess is they would give you the higher limit on this - since you are going for one of their promotions.

Good luck and let us know.

Re: Do I dare???

snowkitty — Fri, 05 Oct 2012 13:06:36 GMT

RockinRay wrote:
I would call the back door number, tell then what you want to do (promotion) and ask them.

My guess is they would give you the higher limit on this - since you are going for one of their promotions.

Good luck and let us know.

That is exactly what I did and they approved it! I asked for 1000.00 and told them I wanted to take advantage of the promtion and that they were my favorite card so I did not want to max the card out with a purchase. She came back and said yes!! I am so excited!!! :catvery-happy:

Re: Do I dare???

jsucool76 — Fri, 05 Oct 2012 13:44:28 GMT

Congrats!!

But did everyone get this email promotion except me? D:

Re: Do I dare???

TNTransplant — Fri, 05 Oct 2012 14:01:34 GMT

jsucool76 wrote:
Congrats!!

But did everyone get this email promotion except me? D:

Yes. :smileytongue:

Re: Do I dare???

jsucool76 — Fri, 05 Oct 2012 14:08:41 GMT

TNTransplant wrote:
jsucool76 wrote:
Congrats!!

But did everyone get this email promotion except me? D:
Yes. :smileytongue:

Lame....

I'm tempted to call up and say I want to take advantage of the promotion...and then not :D

Re: Do I dare???

snowkitty — Fri, 05 Oct 2012 14:15:11 GMT

If you go to the walmart credit card page, you can still print off the interest free coupon thingy that the cashier has to scan :catvery-happy:

Re: Do I dare???

jsucool76 — Fri, 05 Oct 2012 14:37:15 GMT

snowkitty wrote:
If you go to the walmart credit card page, you can still print off the interest free coupon thingy that the cashier has to scan :catvery-happy:

Thanks snow :D

Re: Do I dare???

RockinRay — Fri, 05 Oct 2012 14:45:44 GMT

snowkitty wrote:
RockinRay wrote:
I would call the back door number, tell then what you want to do (promotion) and ask them.

My guess is they would give you the higher limit on this - since you are going for one of their promotions.

Good luck and let us know.

That is exactly what I did and they approved it! I asked for 1000.00 and told them I wanted to take advantage of the promtion and that they were my favorite card so I did not want to max the card out with a purchase. She came back and said yes!! I am so excited!!! :catvery-happy:

Excellent - glad to hear!

Re: Do I dare???

MyCreditSucksTheMost — Fri, 05 Oct 2012 14:48:28 GMT

They must be very willing to work with people because of the promotion.

I just called and mentioned the coupon and got moved from $500 to $1000 as well.. I've only had the card for 50 days.:)

I'm super pumped.

Re: Do I dare???

Burned2manybridgesB4 — Fri, 05 Oct 2012 14:53:44 GMT

TV shoppin' time for everyone....

Re: Do I dare???

jsucool76 — Fri, 05 Oct 2012 14:55:12 GMT

What # is it you all are using :D ?

Re: Do I dare???

jsucool76 — Fri, 05 Oct 2012 15:05:47 GMT

I didn't want to get too greedy, since I actually have no intentions of purchasing a television, so I asked for 800, and they bumped me.... yayaayayayayaya :D

Available Credit* :	$721.00
Total Credit Limit :	$800.00

Re: Do I dare???

migliogiorni — Fri, 05 Oct 2012 15:09:25 GMT

Called and they wanted to HP me so I said no thanks.

Re: Do I dare???

cracksmeup — Fri, 05 Oct 2012 15:14:00 GMT

If you just hit the request an CLI button on the website, is it a HP or SP? Also, where can I find this coupon? It wasn't emailed to me either.

Re: Do I dare???

jsucool76 — Fri, 05 Oct 2012 15:18:22 GMT

migliogiorni wrote:
Called and they wanted to HP me so I said no thanks.

The woman I spoke to told me she would pull my credit and specifically said (without my even asking) that it would be a soft pull and would not affect my credit. GECRB almost never HPs for CLIs.

Also to poster just above me, the request CLI button doesn't work anymore.

Re: Do I dare???

snowkitty — Fri, 05 Oct 2012 18:02:52 GMT

I'm glad GE is feeling so nice today!! Looks like they have been making people happy all week!! I think getting a cli gives me more satisfaction then getting approved for a new card.....lol :catvery-happy:

Re: Do I dare???

jsucool76 — Fri, 05 Oct 2012 18:08:27 GMT

snowkitty wrote:
I'm glad GE is feeling so nice today!! Looks like they have been making people happy all week!! I think getting a cli gives me more satisfaction then getting approved for a new card.....lol :catvery-happy:

I wish I asked for more :P I should've been like "One Billion Dollars....MWAHAHAHAHAHA" :P