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Contributor
Posts: 81
Registered: ‎05-06-2012
0

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.

Moderator
Posts: 14,062
Registered: ‎04-15-2011
0

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!
Regular Contributor
Posts: 122
Registered: ‎07-23-2012
0

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
Posts: 797
Registered: ‎05-01-2012
0

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
Posts: 3,766
Registered: ‎01-10-2008
0

Re: And this is why people LOVE GE cards!

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

EQ (DCU, Citi, PenFed)
EX (Amex, Chase, PSECU)
TU (Barclays, Discover, Walmart)
Frequent Contributor
Posts: 288
Registered: ‎02-06-2012
0

Re: And this is why people LOVE GE cards!

Pretty impressive for 1 year. How did you request ?

Super Contributor
Posts: 6,676
Registered: ‎04-07-2008
0

Re: And this is why people LOVE GE cards!

Congrats !!

 

GE is very good with CLI's




Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

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
Posts: 56
Registered: ‎03-13-2008
0

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:Dec 2015: EQ - 750
Goal Score: Across the Board: 760
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Frequent Contributor
Posts: 398
Registered: ‎04-02-2012
0

Re: And this is why people LOVE GE cards!

What are GE cards? Store cards?

My Wallet:
Discover It $18,300 | Chase United $12,000 | AMEX BCE $7,200 | Chase Sapphire Preferred $7,000 | Chase Freedom $5,000 | Citi Simplicity $5,000 | Paypal Extras Platinum $5,000 | Citi Visa Signature $3,000 | Wells Fargo $1,000 | AMEX Zync NPSL

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