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And this is why people LOVE GE cards!

Contributor

And this is why people LOVE GE cards!

Just got a great CLI on my JCP card. Here's my history.

 

10/11 - Opened up the card with a $900 limit, which was almost double the limit of the only other card I had at the time [A partially secured BoA card for $500]

4/12 - Requested a CLI to $2,500 [didn't expect to get the full amount] and was instantly approved.

9/12 - Requested a CLI to $5,100 - was denied, but system countered with $3,999 (literally, a dollar away from being $4k).

 

I barely ever use this card. Every so often I'll head down to CVS and get a protein bar or stick of deoderant for the hell of it, just to show minor activity. I've only actually used the card at JCP once, ironically. I'm a college student with low income ($17,000), and my second highest card is $1,300, so this is VERY generous on GE's part.

 

Hoping to get a thousand dollar increase next time, to be at the magical 5K CL limit, let's see.

 

If you're looking for a new card solely to improve your credit score, definitely consider GE. Not only did they take a chance on me, as this was my second card, but they gave me a high limit, and are doing an amazing job of growing with me.

12 REPLIES
Moderator Emeritus

Re: And this is why people LOVE GE cards!

Nice job!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Regular Contributor

Re: And this is why people LOVE GE cards!

Congrats! I just got a Belk card a few months ago $400CL. I hope I can get an increase in a few months too!

Established Contributor

Re: And this is why people LOVE GE cards!

Congrats!


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Senior Contributor

Re: And this is why people LOVE GE cards!

Nice gardening growth with GE, they're good for it! congrats!

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Frequent Contributor

Re: And this is why people LOVE GE cards!

Pretty impressive for 1 year. How did you request ?

Super Contributor

Re: And this is why people LOVE GE cards!

Congrats !!

 

GE is very good with CLI's




Senior Contributor

Re: And this is why people LOVE GE cards!

I love GE too!! Keep in mind that other creditors, like Chase and Barclay's, take those high limits into account when issuing you new credit. For example, I got a $6,500 Amex based on the fact that I had a JCP w a limit of $4,900 and a Lowe's at an $8,500 limit!! So if you don't have a Visa/MC/Amex/ Discvr with a limit like your JCP, you should consider opening one in the future :-).
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|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

Re: And this is why people LOVE GE cards!

Congrats to you!! I'm looking at a GE Capital store card myself and this is great to hear. Thank you for sharing!

 


youngandcreditwrthy wrote:
I love GE too!! Keep in mind that other creditors, like Chase and Barclay's, take those high limits into account when issuing you new credit. For example, I got a $6,500 Amex based on the fact that I had a JCP w a limit of $4,900 and a Lowe's at an $8,500 limit!! So if you don't have a Visa/MC/Amex/ Discvr with a limit like your JCP, you should consider opening one in the future :-).

AWESOME!! I'm waiting for my $5K credit union MasterCard to post the CL next month and then I'm applying for a store card. By waiting for the CL to post, hopefully that'll give me a chance at a larger store limit. 2 positive tradelines for the win!! Smiley Very Happy

Starting Score: Jan 2012: EQ - 624
Current Score:Apr 2017: EQ - 748
Goal Score: Across the Board: 760
GC Challenge: App Free Since 4/19/2016


Frequent Contributor

Re: And this is why people LOVE GE cards!

What are GE cards? Store cards?

My Wallet:
AMEX Platinum | Discover It $20.3k | Chase Sapphire Reserved $16k | Chase United $12k | AMEX SimplyCash Plus Business $11.6k | AMEX Schwab $9k | AMEX BCEP $8.2k | Citi Costco Anywhere Visa $8k | Chase Amazon Visa $8k | Chase Sapphire Preferred $7k | Chase Freedom $5k | Citi Simplicity $5k | Paypal Extras Platinum $5k | Wells Fargo $5k | Citi Best Buy $4.2k | Citi Visa Signature $3k | Care Credit $3k