Walmart uses GEMB... CLI's are a soft pull.
Starting Score: All Under 590 (8/2011)
i probably wont even try for an increase on my card, only have it for utilization/fico purposes.
@Steelersboy wrote:i probably wont even try for an increase on my card, only have it for utilization/fico purposes.
If they're soft pulls everytime regardless of success/denial, then it can only help your utilization and improve your scores if you carry any balances at all.
It's nice to know so now I need to track the 4 month waiting time on my Walmart card so I can try to get it up to the credit limit level of my other cards.
credit soultions basically over-gos the cli theory.
and it is soft pull
iv went 800-3200-5000 in a 6 month period all soft pull all the cs.
I hope it was a soft pull, that's really the only reason I hit it. I kinda wish now they would not have given me 100 increase in the second month if I have to go 4 months from that point to request one lol......I really wanted the increase to help with utilization and thought if they saw 2 people would be using it they would raise it, oh well......my utilization is good now, 1,800 combined balance on 11,000 available total credit. Thanks for all the input everyone! 
@iDShaDoW wrote:
@Steelersboy wrote:i probably wont even try for an increase on my card, only have it for utilization/fico purposes.
If they're soft pulls everytime regardless of success/denial, then it can only help your utilization and improve your scores if you carry any balances at all.
It's nice to know so now I need to track the 4 month waiting time on my Walmart card so I can try to get it up to the credit limit level of my other cards
did u say......................soft pull? lol
@iDShaDoW wrote:
@Steelersboy wrote:i probably wont even try for an increase on my card, only have it for utilization/fico purposes.
If they're soft pulls everytime regardless of success/denial, then it can only help your utilization and improve your scores if you carry any balances at all.
It's nice to know so now I need to track the 4 month waiting time on my Walmart card so I can try to get it up to the credit limit level of my other cards.
It's 4 statements not months. Credit solutions will tell you that you don't have enough experience at current credit limit if requested sooner than 4 statements cut.
ETA: I should mention that it is YMMV as so many other factors goes into GECRB's approval/denial of CLIs.
