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Frequent Contributor
Posts: 291
Registered: ‎02-05-2011
0

Re: GE Walmart CLI

I don't know to be honest. I don't have any baddies & my income is pretty good. I guess YMMV!



Starting Score: EQ 414 (01/05/11), TU 422 (01/05/11), EX ???
Current Score: ALL FICO's: EQ 654 (04/17/13), TU 641(03/04/13), EX 638 (03/20/13 - AMEX SOFT PULL)
Goal Score: ABOVE 680 ALL 3
Current Cards: Too many!!! App Free since 04/19/13 & NOT APPING until 04/2014....
Regular Contributor
Posts: 174
Registered: ‎06-21-2012
0

Re: GE Walmart CLI


prolificjinx23 wrote:

I don't know to be honest. I don't have any baddies & my income is pretty good. I guess YMMV!


It seems to me that your store cards are harming your CR. I have heard that one should not open more than 2 store cards as exceeding this shows an increased risk factor to lenders. Maybe try closing some of the newer store accounts and apping for a prime card? 

Ex 752 (Amex) Tu 758 (Walmart) Eq 703
Goal: 750+ on all
Current Cards: Cap1 Cash Back; Chase Freedom; Chase Amazon; Citi Thank You; Citi Forward; Discover iT; Amex Zync; GE WalMart; BoA 3-2-1
Established Contributor
Posts: 869
Registered: ‎07-04-2012
0

Re: GE Walmart CLI

I called today! got a 1100 CL Smiley Very Happy

 

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
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Established Contributor
Posts: 769
Registered: ‎04-20-2012
0

Re: GE Walmart CLI

Congrats to all! Earlier tonight i called in and went from $300 to $500 and the call lasted 5 minutes. Smiley Very Happy

Capital One QuickSilver MC $4.5K | Amazon $1.8K (CLOSED) | Walmart $5K | Paypal SC w/Debit card $5K (CLOSED) | BOA Cash Rewards Sig $6.5K | BOA BBR $1K | Discover IT $13.5K | AMEX Sr Green Charge (NPSL) | PNC CashBuilder $1.5K | Paypal Extras MC $6k | PNC Auto Loan $20,038.75 | AMEX SimplyCash Biz CC $3k | BOA Cash Rewards Biz CC $3.5K | Chase Freedom $8K | CapOne Spark BIZ Cash Visa Sig $5k | AMEX SimplyCash Biz CC $10k (LLC) | AMEX Everyday $2k | Sallie Mae WMC $4.4K | Citi Double Cash WEMC $5k
Established Member
Posts: 15
Registered: ‎05-18-2011
0

Re: GE Walmart CLI

Did you guys get the CLI over the automated system?

Capital One Secured $450 | BBRZMC $300 | Capital One $300 | Credit One $750 | NFCU nRewards $4000 | Walmart $400
Established Contributor
Posts: 769
Registered: ‎04-20-2012
0

Re: GE Walmart CLI


WiserThenEver wrote:

Did you guys get the CLI over the automated system?


No I talked to a rep.

Capital One QuickSilver MC $4.5K | Amazon $1.8K (CLOSED) | Walmart $5K | Paypal SC w/Debit card $5K (CLOSED) | BOA Cash Rewards Sig $6.5K | BOA BBR $1K | Discover IT $13.5K | AMEX Sr Green Charge (NPSL) | PNC CashBuilder $1.5K | Paypal Extras MC $6k | PNC Auto Loan $20,038.75 | AMEX SimplyCash Biz CC $3k | BOA Cash Rewards Biz CC $3.5K | Chase Freedom $8K | CapOne Spark BIZ Cash Visa Sig $5k | AMEX SimplyCash Biz CC $10k (LLC) | AMEX Everyday $2k | Sallie Mae WMC $4.4K | Citi Double Cash WEMC $5k
Valued Contributor
Posts: 2,285
Registered: ‎09-16-2011
0

Re: GE Walmart CLI


cmthomas06 wrote:

prolificjinx23 wrote:

I don't know to be honest. I don't have any baddies & my income is pretty good. I guess YMMV!


It seems to me that your store cards are harming your CR. I have heard that one should not open more than 2 store cards as exceeding this shows an increased risk factor to lenders. Maybe try closing some of the newer store accounts and apping for a prime card? 

 

 

no store accounts are not hurting his CLI chances, I have 6 store cards on my credit report they don't penalize you for having lots of store cards, what is causing the issue is the low limits on  accounts highest limit showing is $1000 GE doesn't want to be your highest limit after 9 months. Your short history with the card. Perhaps low usage of the card can't tell from the informaion availible.  Keep using the card wait another 4 months and request another CLI. Stay in the garden, try for CLI that are possible with a soft pull. I would advise against applying for any prime cards because they will come with a low limits based on what limits you have. When your score is 680+ and your hard limit on the ZYNC is removed and UTL under 9% try for an AMEX revolver they trippled my highest CL at the time I had a  720 Fico at the time. 

 

Wallet: AMEX Blue 6k, AMEX Zync NPSL, Omaha First DISC 6k, Chase Freedom 3k, CapOne Platinum 2k, CapOne Rewards 750,  Home Depot (citi) 4k, Amazon 2250 (since 4/11 started at 600), Walmart 1700 (since 11/11 started at 900)   3 more store cards limits 500-750, Target Red  $200.  

 

Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5k, Walmart 10k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 10k and a nice stack of store cards.
Last APP/HP 4/22/2015
Regular Contributor
Posts: 174
Registered: ‎06-21-2012
0

Re: GE Walmart CLI


WiserThenEver wrote:

Did you guys get the CLI over the automated system?


yeah, mine was over the automated system. 

Ex 752 (Amex) Tu 758 (Walmart) Eq 703
Goal: 750+ on all
Current Cards: Cap1 Cash Back; Chase Freedom; Chase Amazon; Citi Thank You; Citi Forward; Discover iT; Amex Zync; GE WalMart; BoA 3-2-1
Valued Contributor
Posts: 2,285
Registered: ‎09-16-2011
0

Re: GE Walmart CLI

I got 700 from walmart automated system,  requested a $1000 countered with 700. and $300 from amazon, 

 

 

Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5k, Walmart 10k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 10k and a nice stack of store cards.
Last APP/HP 4/22/2015
Frequent Contributor
Posts: 463
Registered: ‎06-13-2012
0

Re: GE Walmart CLI

What is the automated system?  Is that the luv button?

01/06/2015 Walmart TU 726
01/06/2015MyFico EQ 705
01/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $12K, CareCredit $13.2K, Chase Freedom $5000, Walmart $4500, Lowes $9800, QVC $1200, HSN $2350, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $4K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $7800
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