Credit Card Center Advertiser Disclosure

Reply
Valued Contributor
Posts: 1,979
Registered: ‎06-21-2012
0 Kudos

FINALLY Wally gave me a CLI

Been trying for a CLI with no success. Had the card since the end of August. CL has been stuck a $150. Used the card several times, and PIF. Haven't used it in nearly a month and called the UW today request a CLI. Gave her my info, she put me on hold for about 3min, and she came back and BAM! tripled my limit!

 

LOL, its still not that much but it's definitely a good start. 

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Regular Contributor
Posts: 134
Registered: ‎07-07-2011
0 Kudos

Re: FINALLY Wally gave me a CLI

Congrats! Small steps build toward the future!


12/28 EX 745( FAKO)
12/28 DCU 742 FICO
12/28 WM TU 796 FICO
Walmart Discover 15k |CSP 14.4k | Penfed Cash Rewards 9k |DCU 7.5k | Chase Freedom 8k | FNFG 5k | Discover 6.4k| BOA 4k | BCE 3k


Regular Contributor
Posts: 242
Registered: ‎06-27-2011
0 Kudos

Re: FINALLY Wally gave me a CLI

Congrats. I just got a nice CLI from $900 to $2500 with them - they are exceptional with CLIs. They will grow more with you over time.

Starting: 563 | Current: 748 (TU 8/15) | Goal: 800 | Garden since: 08/10/2015

Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0 Kudos

Re: FINALLY Wally gave me a CLI

Oh yes! I looove GECRB. My wmt card started as the store version with an $800 limit!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
Posts: 1,979
Registered: ‎06-21-2012
0 Kudos

Re: FINALLY Wally gave me a CLI

It's weird though how Wally started me at $150 and Amazon started me at $700. 

 

I'm sure both are going to grow quite nicely. 

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
0 Kudos

Re: FINALLY Wally gave me a CLI


j_casteel wrote:

Been trying for a CLI with no success. Had the card since the end of August. CL has been stuck a $150. Used the card several times, and PIF. Haven't used it in nearly a month and called the UW today request a CLI. Gave her my info, she put me on hold for about 3min, and she came back and BAM! tripled my limit!

 

LOL, its still not that much but it's definitely a good start. 


CONGRATS!!

 




EQ FICO 548 3/3/16
Frequent Contributor
Posts: 346
Registered: ‎02-01-2012
0 Kudos

Re: FINALLY Wally gave me a CLI


j_casteel wrote:

Been trying for a CLI with no success. Had the card since the end of August. CL has been stuck a $150. Used the card several times, and PIF. Haven't used it in nearly a month and called the UW today request a CLI. Gave her my info, she put me on hold for about 3min, and she came back and BAM! tripled my limit!

 

LOL, its still not that much but it's definitely a good start. 


Congratulations! I find that $500 should be a minimum credit line for all credit cards. I would think utilization on a $150 card was difficult and could have caused more damage just by using it. 

Valued Contributor
Posts: 1,979
Registered: ‎06-21-2012
0 Kudos

Re: FINALLY Wally gave me a CLI


CC365 wrote:

j_casteel wrote:

Been trying for a CLI with no success. Had the card since the end of August. CL has been stuck a $150. Used the card several times, and PIF. Haven't used it in nearly a month and called the UW today request a CLI. Gave her my info, she put me on hold for about 3min, and she came back and BAM! tripled my limit!

 

LOL, its still not that much but it's definitely a good start. 


Congratulations! I find that $500 should be a minimum credit line for all credit cards. I would think utilization on a $150 card was difficult and could have caused more damage just by using it. 


yeah, it was a PITA, especially with the way Wally does payments the first few statements. They take forever to process, as do the purchases. I was only able to fill up mine and my wifes vehicles a few times. PIF, wait, and then fill up again, etc. The gas discounts and free FICO is the main reason for me to have this card anyways, but it doesn't hurt to have frequent CLI's on it. 

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Valued Contributor
Posts: 1,979
Registered: ‎06-21-2012
0 Kudos

Re: FINALLY Wally gave me a CLI

Also, FWIW, before calling the UW # I tried to request an increase by the LUV button and was denied. I pretty much immediately called UW after than and was approved.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Established Contributor
Posts: 619
Registered: ‎06-18-2007
0 Kudos

Re: FINALLY Wally gave me a CLI

That's great!  They start small but they snowball.   Ours took forever to get a CLI but they get generous the longer you stick with them.

_________________________________________________________
Too many accounts; too many debts; lots of open credit, and lots of utilized credit. Scores somewhere in the 600s - I have no earthly idea exactly what number, but not 700 like it was, briefly.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.