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Established Contributor
Posts: 912
Registered: ‎06-14-2012
0

Re: Love GE - Auto CLI

CONGrats! and goodluck with the Upgrade :smileyhappy: maybe it will come soon



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Love GE - Auto CLI

I got my upgrade offers for the BR Visa and the Wmt Discover after having 26 months of a spotless pmt history and a $2k+ limit with each store card before the upgrades.

I'd assume that the ON Visa has the same credit criterion as the BR Visa...
I wonder if the underwriters can do an upgrade? Might be worth a shot to ask an uw, not a CSR
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
New Contributor
Posts: 76
Registered: ‎10-25-2012
0

Re: Love GE - Auto CLI

Amazon opened July 2012 $600 - auto CLI $900 Nov - called backline to see if I could get to $1,200 - approved

JCPenney open Aug 2012 $100 - auto CLI $200 Nov 

Old Navy open Aug 2012 $200 - auto CLI $400 Nov

Lowe's open Oct 2012 $300 - called backdoor for increase - denied

 

Excited about Amazon as the holidays are right around the corner.  Baby steps for the rest.

 

Non-GE - Macy's - openend in Aug 2012 $300 - called underwriting, denied - sadly cost me a hardpull on EX which is my best score :smileysad: UTL >10% when inquired.  50k annual.  I use the card and pay it off each month.

Dec 2012: EX 728/EQ 667/TU 731 VANTAGE 731 CreditKarma 628 UTL >5% Wallet: CapOne $300 - First P $300 - Lowes $300 - Old Navy $400 - JCP $200 - Amazon $1,200 - Macy's $300 - NFCU cashRewards card $7k - PayPal MC $2k -Walmart $900 Successes:  EOS-CCA BBB Complaint - GONE Progressive Mgmt Sys DV, Dispute/Insurance Dispute - GONE IC Systems DV,Paid OC,GW - GONE Credit Protection Assoc - CA for BrightHouse - Never Had BH - BBB - GONE Battling: Verizon DV - none, BBB - in progress  CRA Dispute - in progress


 


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Regular Contributor
Posts: 114
Registered: ‎08-29-2012
0

Re: Love GE - Auto CLI

Congrats! It's why I'm happy I have the two GE cards now. I've heard about their generous CLI and can't wait when they start doing the same for me. :smileyhappy:


Wallet: Capital One Platinum - $2000, Amazon - $3000, Walmart - $3000, Discover It - $1000, Chase Freedom - $3000
Current Score: TU98: 678 - 2/2012, Walmart TU - 672 2/2013, Equifax 713 - 1/2013
Goal Score: 700 for all three.
GC Challenge: App free since 1/2013. No more apps! 2015 for mortgage!
New Contributor
Posts: 76
Registered: ‎10-25-2012
0

Re: Love GE - Auto CLI

When do the new CLs report to the CRAs?  Just wondering when it;ll effect my utl %

Dec 2012: EX 728/EQ 667/TU 731 VANTAGE 731 CreditKarma 628 UTL >5% Wallet: CapOne $300 - First P $300 - Lowes $300 - Old Navy $400 - JCP $200 - Amazon $1,200 - Macy's $300 - NFCU cashRewards card $7k - PayPal MC $2k -Walmart $900 Successes:  EOS-CCA BBB Complaint - GONE Progressive Mgmt Sys DV, Dispute/Insurance Dispute - GONE IC Systems DV,Paid OC,GW - GONE Credit Protection Assoc - CA for BrightHouse - Never Had BH - BBB - GONE Battling: Verizon DV - none, BBB - in progress  CRA Dispute - in progress


 


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Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Love GE - Auto CLI


LS2982 wrote:

rtw wrote:

LS2982,

Do you know if you can call in for an upgrade or do you have to wait for them to invite you?


Unfortunately you have to wait until they feel your ready, i've asked on a few occasions with Walmart / Old Navy and its a computer decision.

 


this is false information given by the wrong people, the underwritters can over ride anything. I got a 5x CLI when I called in, openned for 4 months and only used it ONCE for $50 day before calling the underwritters. but to be fair my credit score was increased by almost 100 points since then. if you have a perfectly clean report 10x CLI is not uncommon


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
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