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Established Contributor
snowkitty
Posts: 979
Registered: ‎09-10-2012

Do I dare???

I was just approved for the wal-mart store card last month and I have used it alot already and pay it off bi-weekly. My limit is only 600.00. Right now I have a current balance of 190.00 and I will paying it off today. I got the email of No interest if Paid in Full within 18 months for an electronics purchase of 429.00 or more. One of the Christmas gifts I was wanting to buy is at Wal-Mart and is over that amount. I would love to take advantage of that offer but I don't want o go that close to the limit. Do I dare and call to ask them for a cli with the card being so new? They upped my Old Navy limit from 250.00 to 600.00 and just approved me over the weekend for a sams discover for 1800.00. I looked on the Sams' website and they do not offer the same deal. Would I be pressing my luck? Do you think they would approve an increase this soon? Just a bump to 1000.00 would be all I would need.

TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 7.5k | Boa Travel 9k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 13.5k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Established Contributor
bahbahd
Posts: 729
Registered: ‎08-12-2011

Re: Do I dare???

I don't think asking for a CLI ever hurts unless you know for sure they would do a hard pull. I think you are safe

Moderator
Shogun
Posts: 12,859
Registered: ‎04-15-2011

Re: Do I dare???

All they can do is say no.  :smileyhappy:


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
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Valued Contributor
RockinRay
Posts: 1,935
Registered: ‎08-13-2007

Re: Do I dare???

I would call the back door number, tell then what you want to do (promotion) and ask them.

 

My guess is they would give you the higher limit on this - since you are going for one of their promotions.

 

Good luck and let us know.

Ray

** Every Card has a Job, and Every Card does its Job **

Established Contributor
snowkitty
Posts: 979
Registered: ‎09-10-2012

Re: Do I dare???


RockinRay wrote:

I would call the back door number, tell then what you want to do (promotion) and ask them.

 

My guess is they would give you the higher limit on this - since you are going for one of their promotions.

 

Good luck and let us know.


 

 

That is exactly what I did and they approved it! I asked for 1000.00 and told them I wanted to take advantage of the promtion and that they were my favorite card so I did not want to max the card out with a purchase. She came back and said yes!! I am so excited!!! :catvery-happy:

TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 7.5k | Boa Travel 9k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 13.5k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Valued Contributor
jsucool76
Posts: 2,769
Registered: ‎12-11-2011

Re: Do I dare???

Congrats!!

 

But did everyone get this email promotion except me? D: 

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1500CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012

Re: Do I dare???


jsucool76 wrote:

Congrats!!

 

But did everyone get this email promotion except me? D: 


Yes. :smileytongue:


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
jsucool76
Posts: 2,769
Registered: ‎12-11-2011

Re: Do I dare???


TNTransplant wrote:

jsucool76 wrote:

Congrats!!

 

But did everyone get this email promotion except me? D: 


Yes. :smileytongue:


Lame....

 

I'm tempted to call up and say I want to take advantage of the promotion...and then not :smileyvery-happy: 

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1500CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Established Contributor
snowkitty
Posts: 979
Registered: ‎09-10-2012

Re: Do I dare???

If you go to the walmart credit card page, you can still print off the interest free coupon thingy that the cashier has to scan  :catvery-happy:

 

TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 7.5k | Boa Travel 9k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 13.5k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Valued Contributor
jsucool76
Posts: 2,769
Registered: ‎12-11-2011

Re: Do I dare???


snowkitty wrote:

If you go to the walmart credit card page, you can still print off the interest free coupon thingy that the cashier has to scan  :catvery-happy:

 


Thanks snow :smileyvery-happy:

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1500CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL

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