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Can't get any love from Walmart :(

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coldnmn
Mega Contributor

Re: Can't get any love from Walmart :(

2 and 1/2 years upgraded to Discover this summer. I have 1 paid state tax lien left on my report comes off 11/ 2016.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 11 of 21
2FixMyCredit
Established Contributor

Re: Can't get any love from Walmart :(

4.5 months but I just check and it shows 5 statements.  I have decided I am just going to switch my spending to one of my other cards for a month or so and see if they change their minds about giving me a CLI in the near future.

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Message 12 of 21
coldnmn
Mega Contributor

Re: Can't get any love from Walmart :(

I would carry balances when statement cut. Remember they don't count statments with no balance. So chances are the 4 statement rule doesn't count if some had no balance.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 13 of 21
jsickz32
Valued Contributor

Re: Can't get any love from Walmart :(


@coldnmn wrote:

I would carry balances when statement cut. Remember they don't count statments with no balance. So chances are the 4 statement rule doesn't count if some had no balance.


Not true. I got all my cli without ever carrying a balance. People have to understand that because one person got a cli a certain way dont mean it will also work with them. 

To OP i say just wait until walmart decides they wanna play with you. Credit building requires a lot patience so dont close the card just because you are not getting what you want Smiley Happy

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 14 of 21
2FixMyCredit
Established Contributor

Re: Can't get any love from Walmart :(


@jsickz32 wrote:

@coldnmn wrote:

I would carry balances when statement cut. Remember they don't count statments with no balance. So chances are the 4 statement rule doesn't count if some had no balance.


Not true. I got all my cli without ever carrying a balance. People have to understand that because one person got a cli a certain way dont mean it will also work with them. 

To OP i say just wait until walmart decides they wanna play with you. Credit building requires a lot patience so dont close the card just because you are not getting what you want Smiley Happy


You're right, I am going to keep it open and just not use it for a bit, other than maybe 5 dollars a month for something small. 
 It is just irritating.  I do hope they will give me a CLI before Xmas though, would be a great help!

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Message 15 of 21
coldnmn
Mega Contributor

Re: Can't get any love from Walmart :(

My philosophy runs against the grain of the forum. I started 3 years ago this month with a $300 Cap1 card. I would carry balances on different cards to show usage.  I figured if you don't show usage why would a credit card company tie up their money on you. It seemed to work for me I'm disabled and have a $25k net income with $40.2k limits on my credit cards. I'm not saying carrying a lot on a card. Just pay a little interest and consider it an investment. YMMV

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 16 of 21
jsickz32
Valued Contributor

Re: Can't get any love from Walmart :(


@coldnmn wrote:

My philosophy runs against the grain of the forum. I started 3 years ago this month with a $300 Cap1 card. I would carry balances on different cards to show usage.  I figured if you don't show usage why would a credit card company tie up their money on you. It seemed to work for me I'm disabled and have a $25k net income with $40.2k limits on my credit cards. I'm not saying carrying a lot on a card. Just pay a little interest and consider it an investment. YMMV


Well thats great that works for you. I started on 06/12 with 4 cards and a total of 9k in CL and since then i have only carry 1 balance on a single card and look at my profile. For me carrying a balance is like the devil lol. And banks know you use their cards even if you dont let balance report.

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 17 of 21
DiabolicallyRandom
Established Contributor

Re: Can't get any love from Walmart :(

GE can be a bit odd on the Walmart card.  They have given me auto increases, but never approved me via luv button. 

Message 18 of 21
coldnmn
Mega Contributor

Re: Can't get any love from Walmart :(

Jsickz32 calling someone wrong isn't always true it all depends on an individual credit report. Thats why YMMV (your milage may very) If credit was set in stone it would be easy what works for one doesn't mean it works for all.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 19 of 21
jsickz32
Valued Contributor

Re: Can't get any love from Walmart :(


@coldnmn wrote:

Jsickz32 calling someone wrong isn't always true it all depends on an individual credit report. Thats why YMMV (your milage may very) If credit was set in stone it would be easy what works for one doesn't mean it works for all.


I didnt say you was wrong. Sorry if you took that way. Im just saying when it comes to credit, the same strategy dont work for everyone. Smiley Happy

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 20 of 21
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