Reply
Contributor
masseye
Posts: 92
Registered: ‎06-20-2007
0

Called Walmart back door number

I applied online last night for a Walmart card.....and was approved for the Walmart disc over..with a 950 credit line.....I called this morning to ask for a increase and after a few questions she came back and stated that she could only approve me for 1900.  Should I be happy?  This is my first Gecrb credit card. They pulled Tu my score is 712, utilization is 30percent.


Starting Score: Trans 708 Eq 700
Current Score: Trans 731b>Eq 702Goal Score: 750

Take the FICO Fitness20123226003331USD
Community Leader
Valued Contributor
improvingmycredit
Posts: 1,402
Registered: ‎07-12-2011
0

Re: Called Walmart back door number


masseye wrote:

I applied online last night for a Walmart card.....and was approved for the Walmart disc over..with a 950 credit line.....I called this morning to ask for a increase and after a few questions she came back and stated that she could only approve me for 1900.  Should I be happy?  This is my first Gecrb credit card. They pulled Tu my score is 712, utilization is 30percent.


Congrats on your approval!!  :smileyhappy:. The question is- are you happy about it?  I think a $1900 starting limit with Walmart is a good start!  I started I think with $500 and a 1.5 years later I am $9K on the regular store card.  GE will grow with you.


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

Contributor
masseye
Posts: 92
Registered: ‎06-20-2007
0

Re: Called Walmart back door number

I don't know if I am happy or being silly.....a few yrs ago I would have been so  excited with 950 dollars...now that I have a nice portfolio........Nfcu-12k, Amex Zync, Amex platinum, CITI-6k,Chase Freedom-5k,Discover-1.1k, etc....I thought I would have gotten a nicer CLI......

 

i will see how it grows....the analyst said  I could call back before 4 months....when I have more of a payment history with them and ask for another CLI.


Starting Score: Trans 708 Eq 700
Current Score: Trans 731b>Eq 702Goal Score: 750

Take the FICO Fitness20123226003331USD
Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012
0

Re: Called Walmart back door number


masseye wrote:

I don't know if I am happy or being silly.....a few yrs ago I would have been so  excited with 950 dollars...now that I have a nice portfolio........Nfcu-12k, Amex Zync, Amex platinum, CITI-6k,Chase Freedom-5k,Discover-1.1k, etc....I thought I would have gotten a nicer CLI......

 

i will see how it grows....the analyst said  I could call back before 4 months....when I have more of a payment history with them and ask for another CLI.


Be happy!  :smileyhappy:

 

This could can/will easily reach the CL levels of your Citi/Chase cards, and one call to UW (on a new account, no less) put it greater than your Discover.  Mine has gone from $900 to $4000 just this year, and this is common for the GE cards.  And, as an added bonus you get the free monthly TU Fico. :smileyhappy:


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008
0

Re: Called Walmart back door number

I really want to get this card because of the free TU and cause I Luke GE :smileyhappy:

$100K in Credit
Last Credit Card App: 11/16/13
Valued Contributor
Epcot
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Called Walmart back door number

Nice, congrats on the approval and increase!

I got this card via pre-approval and got a $700 limit on the store card. I was thinking of calling in and asking for more, but I know the card will grow. I didn't want to risk anything since they gave me the card without a HP as well.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Moderator Emeritus
tinuviel
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Called Walmart back door number

Very nice! Since it's a GECRB backed card, it should grow nicely for you. Congrats!


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Established Contributor
adavis425
Posts: 525
Registered: ‎02-14-2012
0

Re: Called Walmart back door number


masseye wrote:

I don't know if I am happy or being silly.....a few yrs ago I would have been so  excited with 950 dollars...now that I have a nice portfolio........Nfcu-12k, Amex Zync, Amex platinum, CITI-6k,Chase Freedom-5k,Discover-1.1k, etc....I thought I would have gotten a nicer CLI......

 

i will see how it grows....the analyst said  I could call back before 4 months....when I have more of a payment history with them and ask for another CLI.


Don't let it bother you. Follow what the rep says. I got a WMD in September with a starting CL of $800. Two months later I called and requested an icrease to $8000 and was approved. From my reading here, it seems they like to start quite low, but the lines grow like weeds. Congrats!

 

AmEx Platinum | AmEx BCP | AmEx Delta Gold | CSP | Chase Freedom | NFCU cashRewards Visa Sig | NFCU Plat MC | WM MC | Discover it | JCP


Valued Contributor
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

Re: Called Walmart back door number

Dont worry they grow quick.....they be reach somewhere around 5 to 10 after a year


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Called Walmart back door number

yes be happy.

so its a 1.9k limit FOR NOW 

as long as your reports are clean and your util is down they will tread you nice 

 

now this is for the store card but im sure same policy applies for the discover version 

started at 800July-3000-october 5000-october  all this year 

 

when you get your card make sure to get your free fico 

i started at 724 and novmeber one said 743 so i was def pushing for that cli before my best buy util hit the reports. 

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000

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+
}