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Established Contributor
NikJ4
Posts: 662
Registered: ‎01-24-2008
0

Re: GE CLI'S 😍

Ok when you call credit solutions this is a hard pull correct?


Start Score:493Current Score:635
Goal Score: 700>>>>>App free since (umm not saying...I struggle with this)
Moderator
09Lexie
Posts: 25,015
Registered: ‎09-13-2012
0

Re: GE CLI'S 😍

New Contributor
Wanka77
Posts: 55
Registered: ‎02-27-2013
0

Re: GE CLI'S 😍

I currently have the Walmart Discv that I got approved on March '13 and I have been using it regurlarly and heavy.  My CL is $3K and I have been charging approx $800-1200 for the first 2 months. Of course, I have been PIF. However, I was wondering after the 4th stmnt cut if I'll be penalize for the heavy use and thus costing me a CLI.  What do you guys suggest? 


Starting Score:EX-639, TU-632 641-EQ(MyFico)
Current Score:EX-737(PLUS), TU-784(MyFico)750 (Walmrt) 719-EQ(Myfico),
Goal Score: 750-Across


Take the myFICO Fitness Challenge

Moderator
09Lexie
Posts: 25,015
Registered: ‎09-13-2012
0

Re: GE CLI'S 😍

Penalized for heavy usage! Surely you jest! J/k GE is not sensitive to heavy usage at all! Payment history is their big thing then util.

You'll be fine!
Frequent Contributor
atarvuzdar
Posts: 375
Registered: ‎01-20-2012
0

Re: GE CLI'S 😍


webhopper wrote:

youngandcreditwrthy wrote:
Yeah! You gotta use them a little bit to get the clis. I used my $6500 JCP to buy $1.07 dish soap at CVS the other day haha and pif!! :-P

GE is big on making sure you have:
A. Currently clean credit report
B. four on time payments...

...how you get clis, trust me!!!!😏😌👍👍

Wait... did I hear you right?  JCP can be used at CVS?

 

I just looked this up: apparently JCP can be used at CVS, Rite Aid, Sephora


Regarding Sephora, you can use your JCP card at the Sephora mini-store inside JC Penney's, however you cannot use your JCP card at an actual Sephora store... at least, that's the experience I had when I went to the Sephora at the local mall to pick up some things for my daughter for Christmas. The cashier and manager both looked at me like I had three heads when I asked if it was possible. However, when I went to the other local mall and walked into JCP I had no problems using my JCP card in the Sephora mini-store (which had better deals than the stand-alone store at the previous mall!).

Current: EQ 673 September2013 / TU 696 September2013 (Walmart)
Start: EQ 584 Feb2012 / TU 629 July2012

Wallet: BofA Cash Rewards Visa Sig $5000 / Lowe's $6000 / JCP $3900 / eBay MC $3200 / Barclaycard Rewards $2000 / Walmart $3300 / CapOne NHRC $2000 / CapOne Platinum #1 $2000 / Amazon $1700 / Discover It $1000 / CapOne Platinum #2 (former Orchard) $750 / Amex Zync $500 Autopay
Valued Contributor
FinStar
Posts: 5,156
Registered: ‎10-21-2012
0

Re: GE CLI'S 😍


Wanka77 wrote:

I currently have the Walmart Discv that I got approved on March '13 and I have been using it regurlarly and heavy.  My CL is $3K and I have been charging approx $800-1200 for the first 2 months. Of course, I have been PIF. However, I was wondering after the 4th stmnt cut if I'll be penalize for the heavy use and thus costing me a CLI.  What do you guys suggest? 


I think you'll be fine.  As long as you are using the card (not maxed out) and paying as agreed (in this case you PIF) it should look favorable.  Your CBR should also look decent when they perform the SP (no negs or high util, etc).  My current CL is $9K but the CLIs have been automatic.  I've had the card for about a year, staring CL was $5K and I use it regularly.

New Contributor
Wanka77
Posts: 55
Registered: ‎02-27-2013
0

Re: GE CLI'S 😍

Good to know !!!    I plan on letting only one one card report the month beforo I ask for my CLI, hopefully x2


Starting Score:EX-639, TU-632 641-EQ(MyFico)
Current Score:EX-737(PLUS), TU-784(MyFico)750 (Walmrt) 719-EQ(Myfico),
Goal Score: 750-Across


Take the myFICO Fitness Challenge

Moderator
09Lexie
Posts: 25,015
Registered: ‎09-13-2012
0

Re: GE CLI'S 😍

Frequent Contributor
LisaJ
Posts: 390
Registered: ‎11-06-2008
0

Re: GE CLI'S 😍

Congrats, Lexie!!!!!

 

WOW! EQ when I joined myFICO: 657. Ups and downs and a few bumps and bruises, but finally back over 700. Whew!

Established Contributor
VirtualCuriosity
Posts: 677
Registered: ‎09-10-2010
0

Re: GE CLI'S 😍

Great call Lexie.  Nice CL boost.  Happy for ya


TU98 700, TU08 700, EQ 733, EX 706 (As of 8/2014) - Personal Goal = 760+

Gardening since 8-1-14













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