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Walmart uses GEMB... CLI's are a soft pull.
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.
I don't think the responses are all accurate I've had the card since may but had my first statement cut in august and hit the luv button and was granted a increase
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.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
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.