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Established Contributor
eviLution
Posts: 705
Registered: ‎06-11-2012
0

Re: GECRB - Approved !

My initial CL is 800 and I tried to recon to 2000, but they won't budge. All 3 CRs spotless with no baddies whatsoever and my scores ain't too bad either. :smileysad:


Current Score: DCU EQ 714 - EX+ 746 - WM TU 746
Goal Score: 750+

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 6000 - Chase Freedom: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Established Contributor
aussiesareforever
Posts: 740
Registered: ‎10-04-2010
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Re: GECRB - Approved !

I have a gut feeling GE tries to stick with 3X CLI max. I may be wrong though but I think 3X is always a good place to start!

BK in 2008, after making very stupid financial decisions.

Barclay's Apple Financing Card ($6400) --- Capital One Quicksilver ($10,000)---GEMB CareCredit ($5700) --- AUFCU ($10000)--- Walmart ($5000)

FICO Scores: TU 735 EQ 709 EX 740 (Feb 2013, all pulled by lender)

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: GECRB - Approved !


aussiesareforever wrote:

I have a gut feeling GE tries to stick with 3X CLI max. I may be wrong though but I think 3X is always a good place to start!


Yea I wont request more than 3x in fear of them declining it with no counteroffer.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Contributor
londonhogfan
Posts: 142
Registered: ‎01-15-2013
0

Re: GECRB - Approved !

of course it's always YMMV with the CLI numbers, but I was able to get 10x CLI in just over 3 months.

 

Of course I did PIF for a couple months and made sure my total util was at 1.5% when I asked. The only baddie still reporting is a BK from 8 years ago.

 

1-877-379-8173 is the magic number.



I'll be in the garden... FICO Score | TU-08: 732 in May 2013
Established Contributor
adavis425
Posts: 513
Registered: ‎02-14-2012
0

Re: GECRB - Approved !


j_casteel wrote:

londonhogfan wrote:

Walmart can grow very fast. I would try for a 10x increase after a couple months.


yeah, they won't grow that fast....especially with a initial CL of $150. I would try for $450 and thats a good 3xCLI then double that, etc. Most likely the OP will have to wait until the 4th statement and then ask for 3x at the most.


I would be a bit more daring especially since they do counter offer. My WalMart Discover was opened with an $800 cl, but I requested $8000 3 months later and was approved. They can be quite generous.

AmEx Platinum | AmEx BCP | AmEx Delta Gold | CSP | Chase Freedom | NFCU cashRewards Visa Sig | NFCU Plat MC | WM Discover | Discover it | JCP


Valued Contributor
j_casteel
Posts: 1,885
Registered: ‎06-21-2012
0

Re: GECRB - Approved !


londonhogfan wrote:

of course it's always YMMV with the CLI numbers, but I was able to get 10x CLI in just over 3 months.

 

Of course I did PIF for a couple months and made sure my total util was at 1.5% when I asked. The only baddie still reporting is a BK from 8 years ago.

 

1-877-379-8173 is the magic number.


you said you had an initial limit of $1k then called and recon'd to $2k the same day....so you're saying they increased you to $20k after 3mths. I have a hard time believing that, but cool for you.

| Walmart $5k | Amazon $5k | NFCU $19.5k | NavChek $15k | Lowes $17k | BoA WMC $15k | Freedom $3k | Discover $4k | CSP $5k | Marriott $5k | Costco TE $9k | BoA Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:686 EX:709 TU:703
Goal Scores: 700
across the board
Valued Contributor
j_casteel
Posts: 1,885
Registered: ‎06-21-2012
0

Re: GECRB - Approved !


adavis425 wrote:

j_casteel wrote:

londonhogfan wrote:

Walmart can grow very fast. I would try for a 10x increase after a couple months.


yeah, they won't grow that fast....especially with a initial CL of $150. I would try for $450 and thats a good 3xCLI then double that, etc. Most likely the OP will have to wait until the 4th statement and then ask for 3x at the most.


I would be a bit more daring especially since they do counter offer. My WalMart Discover was opened with an $800 cl, but I requested $8000 3 months later and was approved. They can be quite generous.


getting a CLI for 3x is a big deal....do that a few times and it starts to add up. You can always ask for more and hope they counter but what if they don't counter and then get nothing. Many members have plenty of success of requesting 3x and getting it granted. Ofcourse, YMMV, and nothing is a sure thing.

| Walmart $5k | Amazon $5k | NFCU $19.5k | NavChek $15k | Lowes $17k | BoA WMC $15k | Freedom $3k | Discover $4k | CSP $5k | Marriott $5k | Costco TE $9k | BoA Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:686 EX:709 TU:703
Goal Scores: 700
across the board
Contributor
londonhogfan
Posts: 142
Registered: ‎01-15-2013
0

Re: GECRB - Approved !


j_casteel wrote:

londonhogfan wrote:

of course it's always YMMV with the CLI numbers, but I was able to get 10x CLI in just over 3 months.

 

Of course I did PIF for a couple months and made sure my total util was at 1.5% when I asked. The only baddie still reporting is a BK from 8 years ago.

 

1-877-379-8173 is the magic number.


you said you had an initial limit of $1k then called and recon'd to $2k the same day....so you're saying they increased you to $20k after 3mths. I have a hard time believing that, but cool for you.


My initial line was 1k, but I was wrong about the timing. Just went back and checked and my limit was increased to 4k after 3.5 months and 10k right at 4 months from my application date, but before the statement cycled.

 

Well initial line was 1k opened on 10/17/12. Called same day and got a cli to 2k

 

Auto cli to 2.5k first week of Feb. Called same day and got a cli to 4k

 

Called last week and got an increase to 10k which is 10x my initial line.

 

Like I said though YMMV.

 

 



I'll be in the garden... FICO Score | TU-08: 732 in May 2013
Senior Contributor
youngandcreditwrthy
Posts: 6,155
Registered: ‎08-16-2012
0

Re: GECRB - Approved !

Congrats!! Love em a grow em!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
youngandcreditwrthy
Posts: 6,155
Registered: ‎08-16-2012
0

Re: GECRB - Approved !

In <1 year my Paypal MC went from $2k - $20k.

Tis possible
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k

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