topic Re: Walmart CLI easy for some, not for others in Credit Cards

Walmart CLI easy for some, not for others

S7 — Wed, 14 Nov 2012 19:54:41 GMT

I dont get how some get their card, immediately call and get an increase. While other,(ME) get theirs, $400 limit, and actually USE this card, and cannot get an increase due to"inssufficent history with current limit" or some crap like that.

So frustrating.

Re: Walmart CLI easy for some, not for others

SFernandez13461 — Wed, 14 Nov 2012 19:56:50 GMT

I'm having the same experience with them. Our time will come.

Re: Walmart CLI easy for some, not for others

Jutz — Wed, 14 Nov 2012 20:01:34 GMT

When I get my statement cut this month I'm going to call and try for the hell of it. I put around $500 through and PIF before the end of the cycle. I'll let you know how it goes.

Re: Walmart CLI easy for some, not for others

luckelle — Wed, 14 Nov 2012 20:15:55 GMT

Really, i dont see how people get increases before the 4th biling cycle. Hasnt worked for me at all. Not with amazon eithier. I pay in full and use amazon alot for my daughter( thats another story)

Re: Walmart CLI easy for some, not for others

creditnocash — Wed, 14 Nov 2012 20:20:52 GMT

do you guys talk to a real person? or put it in the system?

do you have hight util overall when asking?

any baddies?

other cards with higher limts?

Re: Walmart CLI easy for some, not for others

Jutz — Wed, 14 Nov 2012 20:22:13 GMT

Yeah that's kind of why I want to test it. My credit is obviously not good, so it's a good test to see how flexible they are. Going to shoot for 2k too. With no hard pull I can't see the harm.

Re: Walmart CLI easy for some, not for others

creditnocash — Wed, 14 Nov 2012 20:26:05 GMT

Jutz wrote:
Yeah that's kind of why I want to test it. My credit is obviously not good, so it's a good test to see how flexible they are. Going to shoot for 2k too. With no hard pull I can't see the harm.

like i stated in other threads.

orginally i got approved in july for 800 and asked for a cli to 3k oct 1st so less then 3 months with the card.

mind you i have other cards with 2/3k limits

i had 3% util when i asked (thats out of 10k in limits)

and only one card reporting a balance

no baddies.

just a short aaoa.

no missed no lates nothing.

Re: Walmart CLI easy for some, not for others

S7 — Wed, 14 Nov 2012 20:28:08 GMT

No balances on anything else. I've talked to 2 different people, and tried the automated too. I mean we are a family of 5, and we use walmart alot! So a $400 limit can go quick with 3 kids, and can gas on it too.. and it's paid in full.

Just so frustrating that some get it quicker, but hey, guess that's why it's called life, and it isnt' always fair. Hmph! :smileylol:

Re: Walmart CLI easy for some, not for others

creditnocash — Wed, 14 Nov 2012 20:32:04 GMT

S7 wrote:
No balances on anything else. I've talked to 2 different people, and tried the automated too. I mean we are a family of 5, and we use walmart alot! So a $400 limit can go quick with 3 kids, and can gas on it too.. and it's paid in full.

Just so frustrating that some get it quicker, but hey, guess that's why it's called life, and it isnt' always fair. Hmph! :smileylol:

how long have you had the card? may be best to just wait it out and ask at the four months..

i mean if you keep asking it wont hurt since its only a soft pull.

Re: Walmart CLI easy for some, not for others

ricefed — Wed, 14 Nov 2012 20:34:41 GMT

If you ask for an increase online or through the automated system you'll get that or a small increase. You need to call underwriting for big increases. I went from 1300 to 8000 two weeks ago just from calling the backdoor number.

Re: Walmart CLI easy for some, not for others

Jutz — Wed, 14 Nov 2012 20:35:10 GMT

creditnocash wrote:
Jutz wrote:
Yeah that's kind of why I want to test it. My credit is obviously not good, so it's a good test to see how flexible they are. Going to shoot for 2k too. With no hard pull I can't see the harm.
like i stated in other threads.
orginally i got approved in july for 800 and asked for a cli to 3k oct 1st so less then 3 months with the card.
mind you i have other cards with 2/3k limits
i had 3% util when i asked (thats out of 10k in limits)
and only one card reporting a balance
no baddies.
just a short aaoa.
no missed no lates nothing.

Have you asked for a PC to Discover yet?

I'm thinking the Holiday season may help a little bit, if they approve a CLI, which of course I don't think they will anyway. I'm just interested if they will do it early for lower credit, since it's obvious they are VERY flexible for good credit folks such as yourself.

Re: Walmart CLI easy for some, not for others

creditnocash — Wed, 14 Nov 2012 20:44:38 GMT

Jutz wrote:
creditnocash wrote:
Jutz wrote:
Yeah that's kind of why I want to test it. My credit is obviously not good, so it's a good test to see how flexible they are. Going to shoot for 2k too. With no hard pull I can't see the harm.
like i stated in other threads.
orginally i got approved in july for 800 and asked for a cli to 3k oct 1st so less then 3 months with the card.
mind you i have other cards with 2/3k limits
i had 3% util when i asked (thats out of 10k in limits)
and only one card reporting a balance
no baddies.
just a short aaoa.
no missed no lates nothing.

Have you asked for a PC to Discover yet?
I'm thinking the Holiday season may help a little bit, if they approve a CLI, which of course I don't think they will anyway. I'm just interested if they will do it early for lower credit, since it's obvious they are VERY flexible for good credit folks such as yourself.

ive asked but since its a hard pull i declined. (since i initiated it) also would lower my aaoa way to much. im already only at 10 months.

i have no rush into getting a discover or a discover branded card at that.

my walmart fico this month was 743 so its not like i have bad credit.

Re: Walmart CLI easy for some, not for others

Jutz — Wed, 14 Nov 2012 21:30:37 GMT

Ah, didn't know the Discover was a hard pull, I thought the PC was soft, but added a new account

Re: Walmart CLI easy for some, not for others

webhopper — Wed, 14 Nov 2012 21:43:50 GMT

Lenders are also required to consider income when granting credit limit increases. What is your family income?

Re: Walmart CLI easy for some, not for others

Cadillac-XTS — Wed, 14 Nov 2012 21:46:19 GMT

Re: Walmart CLI easy for some, not for others

S7 — Thu, 15 Nov 2012 00:37:18 GMT

I wasn't aware it was on family income, I assumed it had to be mine alone...family of course isn't super hight, only $61K, but mine is only $28K.

Re: Walmart CLI easy for some, not for others

webhopper — Thu, 15 Nov 2012 01:03:12 GMT

S7 wrote:
I wasn't aware it was on family income, I assumed it had to be mine alone...family of course isn't super hight, only $61K, but mine is only $28K.

If you are in a community property state; household income is acceptable...

Re: Walmart CLI easy for some, not for others

toppers555 — Thu, 15 Nov 2012 01:06:48 GMT

Also make sure your accounts are generating statements or else you will never get an increase.

Re: Walmart CLI easy for some, not for others

nicholasyud — Thu, 15 Nov 2012 01:12:43 GMT

Some reason i would think for OP question :

Credit Score
Credit History with your current card ( limit history )
High Utility on other cards
Too many apps recently
Baddie.

I think you kinda attemp for the credit limit so bad thou........Its might approved for someone else but maybe not for you i guess....Everyone had a different credit profile nor credit score.......They had their own system to determinte whether or not they should give you limit increase. Maybe used them a lil bit and ask them for some meanful limit. (match your highest maybe and take whatever they offer)

They offer me 700 and call underwrite to ask for 2000 limit but they only offer me 1200. Well I take it and only thing i know for sure GE cards would grow with me quick then why should be worry ??? They not Capital One or some others crappy lenders.........maybe in 1 years you would get where you want it thou.......Credit is more about waiting for the right time. Its like a game and its all about you whether you play it right or not.

Good luck.

Re: Walmart CLI easy for some, not for others

S7 — Thu, 15 Nov 2012 01:21:35 GMT

The reason I was given was insufficent experience at current credit limit".

No baddies, no balances on any other cards.