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@Swapmeet wrote:lol...I got my card in Nov, and have been denied for a cli 3 times. Once after each time I paid it off. I am just going to wait until my fourth statement cuts now. I also hit the luv button like 5 times, but it says that I my account is not eligible for an online limit increase. I figure it's a sp, so f-it. What's the worst that can happen?
Are you absolutely sure, that it was a _denial_ of CLI?
The thing is that most of GE accounts have a luv button, but it rarely works as it should - in most cases you get something like "CLI requests can not be made online at this time ...blah-blah-blah", but that is NOT a denial, it's just a system glitch.
I would say that the best way forward is just to call a number on the back of your card. I have 4 GE cards for more than a year and I think online CLI worked only once on GAP card. When you call this number it will most likely be an automated system. It will ask you to say something like "credit increase", then ask you what is your desired limit, what is your income and then either approve this increase (but still asking you to confirm that you're accepting it) or counter you with smaller increase.
I had to speak to a live person only once and I've never received straight decline - they were always counter-offering with small, but still increases...
Are walmart discover decisions instantaneous online or does one have to wait for a week or so?
@tennisfan78 wrote:
Are walmart discover decisions instantaneous online or does one have to wait for a week or so?
I was instantly approved online for a Walmart Discover card, but as always YMMV.
@kevinjjc wrote:
@tennisfan78 wrote:
Are walmart discover decisions instantaneous online or does one have to wait for a week or so?
I was instantly approved online for a Walmart Discover card, but as always YMMV.
Thanks Kevin!
Ok, I went ahead and applied for it and was instantly approved for a credit limit of $1800
It is my lowest Credit Limit on a card, but I am glad it was approved.
Thanks all of you for the suggestions and help!
@tennisfan78 wrote:
Ok, I went ahead and applied for it and was instantly approved for a credit limit of $1800
It is my lowest Credit Limit on a card, but I am glad it was approved.
Thanks all of you for the suggestions and help!
Guess what folks!!! I have called them right away (thanks to kevins experience) and asked if I could get a starting Credit Limit of $10,000 After asking few questions about my income etc, and 5 minutes later, they have approved my request!
I am super excited!!!!
Special Thanks to Kevinjjc!!!
Awesome! GE is great. I should be more agressive with my CLI requests with them.
Thanks london. Yes, they seem to be very generous, provided you have no baddies on credit report!
@tennisfan78 wrote:
@tennisfan78 wrote:
Ok, I went ahead and applied for it and was instantly approved for a credit limit of $1800
It is my lowest Credit Limit on a card, but I am glad it was approved.
Thanks all of you for the suggestions and help!
Guess what folks!!! I have called them right away (thanks to kevins experience) and asked if I could get a starting Credit Limit of $10,000 After asking few questions about my income etc, and 5 minutes later, they have approved my request!
I am super excited!!!!
Special Thanks to Kevinjjc!!!
Woohoo!!! Congrats! I'm glad it worked for you too.
@kevinjjc wrote:
@tennisfan78 wrote:
@tennisfan78 wrote:
Ok, I went ahead and applied for it and was instantly approved for a credit limit of $1800
It is my lowest Credit Limit on a card, but I am glad it was approved.
Thanks all of you for the suggestions and help!
Guess what folks!!! I have called them right away (thanks to kevins experience) and asked if I could get a starting Credit Limit of $10,000 After asking few questions about my income etc, and 5 minutes later, they have approved my request!
I am super excited!!!!
Special Thanks to Kevinjjc!!!
Woohoo!!! Congrats! I'm glad it worked for you too.
Thank you!!! This matches my existing highest CL on my Cash+ card!