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Frequent Contributor
prolificjinx23
Posts: 291
Registered: ‎02-05-2011

Re: GE Walmart CLI

I don't know to be honest. I don't have any baddies & my income is pretty good. I guess YMMV!



Starting Score: EQ 414 (01/05/11), TU 422 (01/05/11), EX ???
Current Score: ALL FICO's: EQ 654 (04/17/13), TU 641(03/04/13), EX 638 (03/20/13 - AMEX SOFT PULL)
Goal Score: ABOVE 680 ALL 3
Current Cards: Too many!!! App Free since 04/19/13 & NOT APPING until 04/2014....
Regular Contributor
cmthomas06
Posts: 174
Registered: ‎06-21-2012

Re: GE Walmart CLI


prolificjinx23 wrote:

I don't know to be honest. I don't have any baddies & my income is pretty good. I guess YMMV!


It seems to me that your store cards are harming your CR. I have heard that one should not open more than 2 store cards as exceeding this shows an increased risk factor to lenders. Maybe try closing some of the newer store accounts and apping for a prime card? 

Ex 752 (Amex) Tu 758 (Walmart) Eq 703
Goal: 750+ on all
Current Cards: Cap1 Cash Back; Chase Freedom; Chase Amazon; Citi Thank You; Citi Forward; Discover iT; Amex Zync; GE WalMart; BoA 3-2-1
Established Contributor
CruzImperial
Posts: 863
Registered: ‎07-04-2012

Re: GE Walmart CLI

I called today! got a 1100 CL :smileyvery-happy:

 

Fico Scores: . Walmart TU 748 . App free since Aug 2013 .

Cap One Journey 500 | Discover IT 1k | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 6k | Barclays Apple 2.5k | BoA CR 800 | CSP 7.2k
Established Contributor
linux007969
Posts: 579
Registered: ‎04-20-2012

Re: GE Walmart CLI

Congrats to all! Earlier tonight i called in and went from $300 to $500 and the call lasted 5 minutes. :smileyvery-happy:

Discover IT TU Score: 739 as of 4/20/14 | TU Score as of 1/5/14 - 710 | EQ Score as of 1/5/14 - 748 | Ex Score as of 1/5/14 - 728
TU Score as of 1/5/14 - 705 | EQ Score as of 1/5/14 - 721 | Ex Score as of 1/5/14 -753 |

Capital One QuickSilver MC $4.5K | Amazon $1.8K (CLOSED) | Walmart $5K | Paypal SC w/Debit card $5K | BOA 123 Cash Rewards Sig $5K | BOA BBR $1K | Discover IT $8K | AMEX Sr Green Charge (NPSL) | PNC CashBuilder $1.5K | Paypal Extras MC $5k | PNC Auto Loan $20,416.07 |
Established Member
WiserThenEver
Posts: 15
Registered: ‎05-18-2011

Re: GE Walmart CLI

Did you guys get the CLI over the automated system?

Capital One Secured $450 | BBRZMC $300 | Capital One $300 | Credit One $750 | NFCU nRewards $4000 | Walmart $400
Established Contributor
linux007969
Posts: 579
Registered: ‎04-20-2012

Re: GE Walmart CLI


WiserThenEver wrote:

Did you guys get the CLI over the automated system?


No I talked to a rep.

Discover IT TU Score: 739 as of 4/20/14 | TU Score as of 1/5/14 - 710 | EQ Score as of 1/5/14 - 748 | Ex Score as of 1/5/14 - 728
TU Score as of 1/5/14 - 705 | EQ Score as of 1/5/14 - 721 | Ex Score as of 1/5/14 -753 |

Capital One QuickSilver MC $4.5K | Amazon $1.8K (CLOSED) | Walmart $5K | Paypal SC w/Debit card $5K | BOA 123 Cash Rewards Sig $5K | BOA BBR $1K | Discover IT $8K | AMEX Sr Green Charge (NPSL) | PNC CashBuilder $1.5K | Paypal Extras MC $5k | PNC Auto Loan $20,416.07 |
Valued Contributor
jamesdwi
Posts: 1,407
Registered: ‎09-16-2011

Re: GE Walmart CLI


cmthomas06 wrote:

prolificjinx23 wrote:

I don't know to be honest. I don't have any baddies & my income is pretty good. I guess YMMV!


It seems to me that your store cards are harming your CR. I have heard that one should not open more than 2 store cards as exceeding this shows an increased risk factor to lenders. Maybe try closing some of the newer store accounts and apping for a prime card? 

 

 

no store accounts are not hurting his CLI chances, I have 6 store cards on my credit report they don't penalize you for having lots of store cards, what is causing the issue is the low limits on  accounts highest limit showing is $1000 GE doesn't want to be your highest limit after 9 months. Your short history with the card. Perhaps low usage of the card can't tell from the informaion availible.  Keep using the card wait another 4 months and request another CLI. Stay in the garden, try for CLI that are possible with a soft pull. I would advise against applying for any prime cards because they will come with a low limits based on what limits you have. When your score is 680+ and your hard limit on the ZYNC is removed and UTL under 9% try for an AMEX revolver they trippled my highest CL at the time I had a  720 Fico at the time. 

 

Wallet: AMEX Blue 6k, AMEX Zync NPSL, Omaha First DISC 6k, Chase Freedom 3k, CapOne Platinum 2k, CapOne Rewards 750,  Home Depot (citi) 4k, Amazon 2250 (since 4/11 started at 600), Walmart 1700 (since 11/11 started at 900)   3 more store cards limits 500-750, Target Red  $200.  

 

Cards: Chase Southwest 20k & CSP 10k & Amtrak 4.6k, & Freedom 3.3k & Slate 3.3k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & AMEX Hilton Surpass 7.5k & AMEX Zync NPSL, Sams Club Discover 10k, Paypal Extras MC 6k, CapOne 2.5k, CapOne 750, Amazon 3.9k, Walmart 4.5k, Citi HHonors Gold 6k, Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Regular Contributor
cmthomas06
Posts: 174
Registered: ‎06-21-2012

Re: GE Walmart CLI


WiserThenEver wrote:

Did you guys get the CLI over the automated system?


yeah, mine was over the automated system. 

Ex 752 (Amex) Tu 758 (Walmart) Eq 703
Goal: 750+ on all
Current Cards: Cap1 Cash Back; Chase Freedom; Chase Amazon; Citi Thank You; Citi Forward; Discover iT; Amex Zync; GE WalMart; BoA 3-2-1
Valued Contributor
jamesdwi
Posts: 1,407
Registered: ‎09-16-2011

Re: GE Walmart CLI

I got 700 from walmart automated system,  requested a $1000 countered with 700. and $300 from amazon, 

 

 

Cards: Chase Southwest 20k & CSP 10k & Amtrak 4.6k, & Freedom 3.3k & Slate 3.3k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & AMEX Hilton Surpass 7.5k & AMEX Zync NPSL, Sams Club Discover 10k, Paypal Extras MC 6k, CapOne 2.5k, CapOne 750, Amazon 3.9k, Walmart 4.5k, Citi HHonors Gold 6k, Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Frequent Contributor
wreith
Posts: 452
Registered: ‎06-13-2012

Re: GE Walmart CLI

What is the automated system?  Is that the luv button?

03/10/2014 Walmart TU 724
09/07/2013 MyFico EQ 684
03/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $11K, CareCredit $10.2K, Chase Freedom $1900, Walmart $4500, Lowes $9800, QVC $1200, HSN $2050, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $1K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $5300

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