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GECRB - Approved !

Regular Contributor

GECRB - Approved !

I started working on my rebuilding my credit  in Mid January'13. I have had some baddies and inaccuracies removed from my CRs. 

I was itchy to apply for Walmart CC (to get free TU08 and get TL in good standing). Also looked at Amazon. First applied for Amazon, gave me a $400.00 CL, then the same night I pulled the trigger on Walmart, approved $150.00 CL. Thank you GECRB.

I will now garden this cards or will use less than 10%, to have them report next month, hopefully a good increase on my scores by the end of March'13.

I've heard that Walmart may be recon'ed to have CL increased, is it true ? Should I wait for an auto CL in a few months ?



CURRENT TLS:

AMAZON $2K/ WALMART $2K /DCU $3K DELTA AMEX $1K
DISCOVER $1.2K/ PAYPALEXT $2K /COSTCOTU $1.2K

UPDATED 8/1
EQ
8/1/13 EQ 694 - (myfico) -
7/26/13 EQ 694 - (DCU)
9/10 EQ 701 - (myfico)

EX
9/8 - EX 707 (usaa/EX)

TU
6/18 TU 690 (myfico)
7/2 TU 694 (Walmart)
8/8 TU 676 (Walmart)
9/6 TU 676 (Walmart)
26 REPLIES
Valued Contributor

Re: GECRB - Approved !

Congrats on your new cards!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Contributor

Re: GECRB - Approved !

Walmart can grow very fast. I would try for a 10x 3x increase after a couple 4 months.



I'll be in the garden... FICO Score | TU-08: 732 in May 2013
Valued Contributor

Re: GECRB - Approved !

Congrats on your progress so far and the approvals! Treat GE well and they are very good with CLI. Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Mega Contributor

Re: GECRB - Approved !

CONGRATS!!!

GE is the best, youll find out soon!



EQ FICO 548 3/3/16
Valued Contributor

Re: GECRB - Approved !


londonhogfan wrote:

Walmart can grow very fast. I would try for a 10x increase after a couple months.


yeah, they won't grow that fast....especially with a initial CL of $150. I would try for $450 and thats a good 3xCLI then double that, etc. Most likely the OP will have to wait until the 4th statement and then ask for 3x at the most.

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

Re: GECRB - Approved !


yomellamoFICO2013 wrote:

I started working on my rebuilding my credit  in Mid January'13. I have had some baddies and inaccuracies removed from my CRs. 

I was itchy to apply for Walmart CC (to get free TU08 and get TL in good standing). Also looked at Amazon. First applied for Amazon, gave me a $400.00 CL, then the same night I pulled the trigger on Walmart, approved $150.00 CL. Thank you GECRB.

I will now garden this cards or will use less than 10%, to have them report next month, hopefully a good increase on my scores by the end of March'13.

I've heard that Walmart may be recon'ed to have CL increased, is it true ? Should I wait for an auto CL in a few months ?


FYI, you can use more than 10%....but to maximize your score only let 10% or less report.

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

Re: GECRB - Approved !

Thank you for your nice comnents and suggestions. will ipdate my progress from tibe to time.


CURRENT TLS:

AMAZON $2K/ WALMART $2K /DCU $3K DELTA AMEX $1K
DISCOVER $1.2K/ PAYPALEXT $2K /COSTCOTU $1.2K

UPDATED 8/1
EQ
8/1/13 EQ 694 - (myfico) -
7/26/13 EQ 694 - (DCU)
9/10 EQ 701 - (myfico)

EX
9/8 - EX 707 (usaa/EX)

TU
6/18 TU 690 (myfico)
7/2 TU 694 (Walmart)
8/8 TU 676 (Walmart)
9/6 TU 676 (Walmart)
Contributor

Re: GECRB - Approved !


j_casteel wrote:

londonhogfan wrote:

Walmart can grow very fast. I would try for a 10x increase after a couple months.


yeah, they won't grow that fast....especially with a initial CL of $150. I would try for $450 and thats a good 3xCLI then double that, etc. Most likely the OP will have to wait until the 4th statement and then ask for 3x at the most.


You're probably right. My initial was 1,000, but they moved it to 2,000 on the same day after I called in.



I'll be in the garden... FICO Score | TU-08: 732 in May 2013
Mega Contributor

Re: GECRB - Approved !


londonhogfan wrote:

Walmart can grow very fast. I would try for a 10x increase after a couple months.


That might be pushing it a tad Smiley Very Happy

 




EQ FICO 548 3/3/16