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New Contributor
Sha80
Posts: 71
Registered: ‎10-23-2012
0

Denied CLI for Walmart & Old Navy

Aother reading all the posts about CLI successes. I tried my luck.  I opened Old Navy ($300) in November and Walmart ($600) in October. I have $52000 in annual income. No mortgage or car note. I have no collections and have not been late on a payment in 4.6 years. Why am I stuck at these crummy limits. I always pay in full before the due date. However in November I opened Old Navy in store on Black Friday with a $213 purchase. Tthe account and the balance reported 4 days later. Once Ireceived my card in the mail I paid that off. Any ideas out there? Sorry for the typos my IPad won't allow me to edit. I know my signature says my CS is 655 but it's really 666. I refuse to edit it until I receive another increase.

Starting Score: EQ: 605 (10/21/2012) Trans/Walmart: 641(10/26/2012)
Current Score: EQ: 678 (4/9/13) Trans/Walmart: 693 (5/13/13) EX: 648 (4/10/13) Lender pull

Contributor
patternofstars7
Posts: 84
Registered: ‎02-14-2011
0

Re: Denied CLI for Walmart & Old Navy

I recently just got a CLI from Walmart. I believe it has to be at the 6 month mark to even be eligible for a CLI. Others might chime in but that was the case for me.

Established Contributor
rtw
Posts: 797
Registered: ‎05-01-2012
0

Re: Denied CLI for Walmart & Old Navy

i just got my Walmart Discover in November. I called the backdoor number today to get an increase. Maybe you should try that route.


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
Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: Denied CLI for Walmart & Old Navy


rtw wrote:

i just got my Walmart Discover in November. I called the backdoor number today to get an increase. Maybe you should try that route.


But did you get the increase?  


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Established Contributor
rtw
Posts: 797
Registered: ‎05-01-2012
0

Re: Denied CLI for Walmart & Old Navy

@Rhaeny, Yes, I went from 2K to 4K.


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
Contributor
SpeedingWheels
Posts: 253
Registered: ‎08-06-2012
0

Re: Denied CLI for Walmart & Old Navy

The rule of thumb with GE is you wait for the 4th statement to cut before you call for a CLI. 

Some people get lucky before the 4th statement, but for your best odds wait the full 4 cycles. 


Walmart Discover ($5000) - Amazon ($5500) - Cap1 Cash Rewards ($2000) - Meijer ($5000) - Discover More ($1800) - Car Care One ($2100) - Amex Delta Skymiles ($2000) - Citi Thank You Preferred ($2000) - Chase Freedom ($500) - Sam's Club, GE ($1237?)
Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: Denied CLI for Walmart & Old Navy


rtw wrote:

@Rhaeny, Yes, I went from 2K to 4K.


Oh that was a nice bump! Congrats!


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Valued Contributor
Duncanrr
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Denied CLI for Walmart & Old Navy

I went from 1.8k to 5.4k when I got approved 9/10/12 and did by phone CLI request on Black Friday.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Denied CLI for Walmart & Old Navy

how many lates do you have? 

inqs? 

 

did you ever burn any companies in the past? 

have a bk? 

 

i would pull your full reports and see if there is any negative data on it. 

 

i would find a local cu that reports to all three cra and get a card there. they are usually good with limits. 

as for low limits creditorts fall suit. 

 

if you have 10 cc's at 300 each who is going to want to give you a 5k card. 

i started walmart at 800 and then went too 3k and then too 5k, but i already had a 3.5k card and a 2.5k card. 

 

alas that 5k card got me another 5k card. 

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
New Contributor
Sha80
Posts: 71
Registered: ‎10-23-2012
0

Re: Denied CLI for Walmart & Old Navy

6 lates oin total in 7 years reporting. Filed Ch 13 6/08 discharged early 10/12. My highest limit now is $1000 with Cap 1 Plat, Spark, & Merrick. Merrick should auto increase to $2000 with my 8th statement on the 14th. My Trans does not report my BK. EX & EQ have 6 negs all discharged. Chase & Cap 1 were burned but with low amounts. Less than $1000 each. Hope this helps.

Starting Score: EQ: 605 (10/21/2012) Trans/Walmart: 641(10/26/2012)
Current Score: EQ: 678 (4/9/13) Trans/Walmart: 693 (5/13/13) EX: 648 (4/10/13) Lender pull


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