Reply
Contributor
NewSurrender
Posts: 81
Registered: ‎05-06-2012

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
Shogun
Posts: 12,875
Registered: ‎04-15-2011

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
sbeasl11
Posts: 122
Registered: ‎07-23-2012

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
rtw
Posts: 797
Registered: ‎05-01-2012

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) 698 (my FICO 07/08/14) TU: 693(07/08/14) 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
score_building
Posts: 3,501
Registered: ‎01-10-2008

Re: And this is why people LOVE GE cards!

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

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Frequent Contributor
AF_23
Posts: 288
Registered: ‎02-06-2012

Re: And this is why people LOVE GE cards!

Pretty impressive for 1 year. How did you request ?

Super Contributor
CS800
Posts: 6,547
Registered: ‎04-07-2008

Re: And this is why people LOVE GE cards!

Congrats !!

 

GE is very good with CLI's




Senior Contributor
youngandcreditwrthy
Posts: 6,137
Registered: ‎08-16-2012

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| 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 $5k | Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
New Contributor
Lzzybeth
Posts: 50
Registered: ‎03-13-2008

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!! :smileyvery-happy:


Starting Score: Jan 2012: EQ - 624
Current Score:Mar 2014: EQ - 701
Goal Score: Across the Board: 720
Take the FICO Fitness Challenge
Ruby Spade Garden Club Member
GC Challenge: App Free Since 12/28/2012 and No Apps Until ...
Frequent Contributor
Razeus
Posts: 387
Registered: ‎04-02-2012

Re: And this is why people LOVE GE cards!

What are GE cards? Store cards?

My Wallet:
Discover It $11,000 | Chase Freedom $5,000 | AMEX BCE $3,000 | Paypal Extras Platinum $5,000 | Wells Fargo $1,000 | AMEX Zync NPSL

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+