topic Re: What's the best strategy to get walmart CLI in Credit Cards

What's the best strategy to get walmart CLI

pat0812 — Wed, 10 Oct 2012 03:56:23 GMT

I just started with a $500 Walmart store card

should I swipe under 10% UTI or should I max out and PIF

i want to be able to get a CLI every 4 months and was wondering

whats Walmart policy. What do they like to see?

if somebody has experience with them let me know.

Re: What's the best strategy to get walmart CLI

armbenderc — Wed, 10 Oct 2012 04:05:51 GMT

I started with $600. Got three increases so far: 800, 1600, 2900

Waiting on Discover upgrade.

I used it and carry balance always pay more than min. I carry about 10% and pif now.

Re: What's the best strategy to get walmart CLI

snsforever916 — Wed, 10 Oct 2012 04:08:32 GMT

What is your credit look like? If you do not have any recent baddies you can do what I just did. I have had the card less than 30 days. I also started out with a $500 limit. I called the backdoor number and asked for $500 cli so that I can take advantage of the 18 month free financing on electronic purchases of 429+. You could try that. I personally put 175 purchase and I will PIF in a couple days.

I do have a JCP that I never requested a CLI since 2001. It started out at $200 and went down to $100 due to inactivity. It was increased to $800 once I started using it mid 2011. Last month I got a $200 CLI bringing it to $1000. I will also request CL from now on. Also, I will say that if you PIF and use it at least every other month you will get CLI. I would use it less than 30% of total CL and PIF every month. Just whats worked for me YMMV!

Re: What's the best strategy to get walmart CLI

maiden_girl — Wed, 10 Oct 2012 04:21:45 GMT

Tips to get an increase:

1. Charge it to the max!

2. Don't pay your balance at all

3. Rack up super interest (my favorite)

4. Threaten to close the card

5. Wait for their reaction!

LOL I'm kidding :D If you keep your line pretty active and PIF every month, you'll see an increase right around the corner! You can call them every four months to request a CLI. They are always soft pull so it won't hurt your credit. GE is generous!

Re: What's the best strategy to get walmart CLI

masscredit — Wed, 10 Oct 2012 04:32:12 GMT

I started at $600.00 in August. Some use the first month (about $220), $540. this month and will probably have light to moderate use after that. I PIF before the due date and will either use the online button or call in every 4 months. I put it to use this month. Figured there would be no reason for an increase if I only put $100. Ono it each month.

Re: What's the best strategy to get walmart CLI

nicholasyud — Wed, 10 Oct 2012 04:39:55 GMT

maiden_girl wrote:
Tips to get an increase:

1. Charge it to the max!
2. Don't pay your balance at all
3. Rack up super interest (my favorite)
4. Threaten to close the card
5. Wait for their reaction!

LOL I'm kidding :D If you keep your line pretty active and PIF every month, you'll see an increase right around the corner! You can call them every four months to request a CLI. They are always soft pull so it won't hurt your credit. GE is generous!

someone tryna be funny there lol....you remind me as myself when i was 19 :D

Re: What's the best strategy to get walmart CLI

nicholasyud — Wed, 10 Oct 2012 04:40:55 GMT

snsforever916 wrote:
What is your credit look like? If you do not have any recent baddies you can do what I just did. I have had the card less than 30 days. I also started out with a $500 limit. I called the backdoor number and asked for $500 cli so that I can take advantage of the 18 month free financing on electronic purchases of 429+. You could try that. I personally put 175 purchase and I will PIF in a couple days.

I do have a JCP that I never requested a CLI since 2001. It started out at $200 and went down to $100 due to inactivity. It was increased to $800 once I started using it mid 2011. Last month I got a $200 CLI bringing it to $1000. I will also request CL from now on. Also, I will say that if you PIF and use it at least every other month you will get CLI. I would use it less than 30% of total CL and PIF every month. Just whats worked for me YMMV!

+1 do this...

Re: What's the best strategy to get walmart CLI

pat0812 — Wed, 10 Oct 2012 05:04:23 GMT

hey thx for you reply ?

I just started building credit 5 months ago, i don't have a credit score yet, just a credit report

I'm now in my 2nd statement with walmart

i have no baddies, always under 10% UTI and always PIF

what number should i call walmart? the personal account? commercial account? or the underwriting ?

If i get denied, how long before i can apply again ?

Re: What's the best strategy to get walmart CLI

maiden_girl — Wed, 10 Oct 2012 05:06:13 GMT

pat0812 wrote:
hey thx for you reply ?

I just started building credit 5 months ago, i don't have a credit score yet, just a credit report
I'm now in my 2nd statement with walmart
i have no baddies, always under 10% UTI and always PIF

what number should i call walmart? the personal account? commercial account? or the underwriting ?

If i get denied, how long before i can apply again ?

I believe its 60 days with GE related accounts...correct me if I'm wrong.

Re: What's the best strategy to get walmart CLI

pat0812 — Wed, 10 Oct 2012 05:08:40 GMT

should i go for the advice and ask an immediate CLI from $500 to a $1000 or wait for the 4th month ?

what happens if i click on the automated CLI button on my account but it gives me an error i can't make any request? is it like a denial or just i can't use this feature at the moment ?

Re: What's the best strategy to get walmart CLI

maiden_girl — Wed, 10 Oct 2012 05:08:56 GMT

nicholasyud wrote:
maiden_girl wrote:
Tips to get an increase:

1. Charge it to the max!
2. Don't pay your balance at all
3. Rack up super interest (my favorite)
4. Threaten to close the card
5. Wait for their reaction!

LOL I'm kidding :D If you keep your line pretty active and PIF every month, you'll see an increase right around the corner! You can call them every four months to request a CLI. They are always soft pull so it won't hurt your credit. GE is generous!

someone tryna be funny there lol....you remind me as myself when i was 19 :D

Too bad I'm not 19. Lol.

Re: What's the best strategy to get walmart CLI

maiden_girl — Wed, 10 Oct 2012 05:11:05 GMT

pat0812 wrote:
should i go for the advice and ask an immediate CLI from $500 to a $1000 or wait for the 4th month ?
what happens if i click on the automated CLI button on my account but it gives me an error i can't make any request? is it like a denial or just i can't use this feature at the moment ?

The automatic increase button on the GE website doesn't work for any customer. You have to call in and request an increase. I would wait the 4 months before asking b/c they will outright deny you with this message "not enough experience with current CL".

Re: What's the best strategy to get walmart CLI

nicholasyud — Wed, 10 Oct 2012 05:18:45 GMT

your file is very thin.....so i guess add up some more credit line...maybe ask your local bank for a new credit card or secured CC if they deny you after all.....but on the warmart thing i would wait....they gonna give it to you maybe in 4th monts i guess

Re: What's the best strategy to get walmart CLI

masscredit — Wed, 10 Oct 2012 05:27:27 GMT

maiden_girl wrote:
pat0812 wrote:
should i go for the advice and ask an immediate CLI from $500 to a $1000 or wait for the 4th month ?
what happens if i click on the automated CLI button on my account but it gives me an error i can't make any request? is it like a denial or just i can't use this feature at the moment ?
The automatic increase button on the GE website doesn't work for any customer. You have to call in and request an increase. I would wait the 4 months before asking b/c they will outright deny you with this message "not enough experience with current CL".

I tried for an immediate CLI shortly after opening the account. Tried the back door, front door, even tried climbing in a window. Each time I was told no and my denial letter said it was because I didn't have enough experience with my $600. CL. So, I'll wait until after the 4th statement posts, will probably have a zero balance then give them a call.

As I've taken a serious hands on approach to my credit rebuilding project, I've made notes on my calendar going out a year. Each of those dates is for when I'd contact cc company to try to get an increase.