Strange GECRB CLI's

[robertb507]

Hi Everyone,

I decided to try for a few GECRB CLI's after I got my new Lowe's and Walmart Discover cards. Initiallly my Lowe's card was approved for $1,500. A quick call to the underwriters left my new cl at $9,000. I tried again today asking for $22,500 (thinking they would counter) and actually got it! The Walmart Discover was approved for a measly $400 and they won't budge to match it to my regular Walmart store card ($5000 CL). Why are they so generous with CLI's on certain accounts and won't budge on others?

[Creditaddict]

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@robertb507 wrote:

Hi Everyone,

I decided to try for a few GECRB CLI's after I got my new Lowe's and Walmart Discover cards. Initiallly my Lowe's card was approved for $1,500. A quick call to the underwriters left my new cl at $9,000. I tried again today asking for $22,500 (thinking they would counter) and actually got it! The Walmart Discover was approved for a measly $400 and they won't budge to match it to my regular Walmart store card ($5000 CL). Why are they so generous with CLI's on certain accounts and won't budge on others?

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you got $22,500 on Lowes but they won't move on a Walmart Discover for $400?

[asphaltcowboy]

I know each account has different underwriting standards, but WOW!

Try to figure GE??

Nice bump on the Lowes

[robertb507]

Yes I got a CLI to $22,500 on Lowe's and they refuse to increase my $400 Walmart Discover. What the heck?!

[IWOL]

I've had a similar experience with GE. Lowes card went from $650 to 5k, to 8500 to 15k in a year.

Ive had my Amazon card for the samej amount of time and ran the same amount through it over the last year and its stick at $1700 with only 2 small auto increases.

One reason as the Lowes  increases might be more liberal is due to the fact that a big spender at Lowes is more likely to own a property.

[robertb507]

I have a theory that the companies like Amazon and Lowes have parameters that they set for credit limits and that at a store like Lowes you need a higher CL to actually purchase their merchandise. I do have a Walmart Store account at $5000 and it puzzles me why the harder account to get (Discover version) has a lower CL. SMH!

[YahComb]

i remember back when i had the paypal mastercard. it always stayed near the top of my highest cls. 1K to 2K to 4K to 5.5K in 15 months. when i closed it spring of 2013, other highest cards were 6.5K 6K and 5K.

amazon store card, opened the same time, however, will not budge from 2500(which i reached in january 2013 from 2K). actually started off higher than the paypal at 1.4K.

[gdale6]

LOL, Congrats on your CLIs, GECRB makes no sense sometimes, as stated there are diff UW standards for each account, better luck next time.

[-Wade-]

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@robertb507 wrote:

Hi Everyone,

I decided to try for a few GECRB CLI's after I got my new Lowe's and Walmart Discover cards. Initiallly my Lowe's card was approved for $1,500. A quick call to the underwriters left my new cl at $9,000. I tried again today asking for $22,500 (thinking they would counter) and actually got it! The Walmart Discover was approved for a measly $400 and they won't budge to match it to my regular Walmart store card ($5000 CL). Why are they so generous with CLI's on certain accounts and won't budge on others?

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Congrats on your awesome CLI

[alvon123]

congrats