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Regular Contributor
Target1212
Posts: 165
Registered: ‎04-04-2008

Still no CLI! Walmart GE

I got my walmart card and the due date for my 4th statement was 4 days ago.. Still no CLI! I tried called about 2 - 3 weeks ago and was denied, don't know why. Ive been on time, paying it off or mostly off, my CS went up 50 points..I want more than my $300 limit, even if I wont use it! I'm waiting until this one (6 year old) CA that I owed shows its paid off, then I'll have nothing owed for them to see. What else should I do? All my CCs have a toy limit of 300 (secured Cap1 and not secured Cap1).

Frequent Contributor
astritaho1979
Posts: 451
Registered: ‎10-02-2011

Re: Still no CLI! Walmart GE


Target1212 wrote:

I got my walmart card and the due date for my 4th statement was 4 days ago.. Still no CLI! I tried called about 2 - 3 weeks ago and was denied, don't know why. Ive been on time, paying it off or mostly off, my CS went up 50 points..I want more than my $300 limit, even if I wont use it! I'm waiting until this one (6 year old) CA that I owed shows its paid off, then I'll have nothing owed for them to see. What else should I do? All my CCs have a toy limit of 300 (secured Cap1 and not secured Cap1).


whats your fico transunion score


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Regular Contributor
Target1212
Posts: 165
Registered: ‎04-04-2008

Re: Still no CLI! Walmart GE

657....not the best but was only 605 when I got it!

Valued Contributor
kevinjjc
Posts: 1,299
Registered: ‎01-14-2009

Re: Still no CLI! Walmart GE

Did you call their backdoor #?

Frequent Contributor
ihatemyscore
Posts: 283
Registered: ‎02-05-2012

Re: Still no CLI! Walmart GE

Increase your secured cap one to 1000, for you to decrease the risk with them..

Last App: 9/16/13
BK Discharge: 6/12
NavyFCU Flagship Visa Sig $10k | NavyFCU nReward Secured $500 | NavChek $5k | Walmart $600 | Capital 1 Quicksilver $750 | Capital 1 Plat $1k | Kays $400 | Amazon $600 | Express $250 |
Regular Contributor
Target1212
Posts: 165
Registered: ‎04-04-2008

Re: Still no CLI! Walmart GE

Ok, I can increase my cap1 secured. I have tried the backdoor # but that was before my 4th statement was due

Valued Contributor
creditnocash
Posts: 2,185
Registered: ‎07-23-2012

Re: Still no CLI! Walmart GE

was it a number that got you directly to an under writer?

 

before i greatly increased my util, i called them before my 4th statement. 

went 800-3k-5k

opened the card 7/28/12 and increases were both in october. (so before 3 statements) and i actually had never generated a statement. 

Current: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Mega Contributor
Creditaddict
Posts: 18,805
Registered: ‎10-23-2007

Re: Still no CLI! Walmart GE

I'm not sure I would increase the secured Capital One... They have been doing well lately with President Office E-mail for CLI and what not, but putting in the time and money for secured with them would not be my first choice!  But besides that... GE can be little weird at first, some have gotten Auto CLI in 2-4 months, I have found I was not able to get any until 4-6 months... and these days you don't need to call in to "The Backdoor" you can simply ask a regular CSR to transfer you for a "Manual CLI Review"  They pull a SP on spot to do review... Even though GE gives you a TU monthly, they don't take a SP Score and Report for the purpose of CLI every month (Little confusing/weird to me) but none the less, when you do CLI on automated phone or front line CSR I have seen as much as 90 day old SP in denial letter being sent to me.

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Regular Contributor
Target1212
Posts: 165
Registered: ‎04-04-2008

Re: Still no CLI! Walmart GE

Yes, I had gotten a denial letter in the mail with my credit score from oct!   I will call and ask for a manual review I did not ask for that. 

Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,220
Registered: ‎10-02-2012

Re: Still no CLI! Walmart GE

I think that for better results you should apply as soon as the 5th satement is available to pay online. Thats what weve done and have had success :smileyhappy:


$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14

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