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Do I dare???

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snowkitty
Established Contributor

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 9k | Boa Travel 10k | 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 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Message 1 of 45
44 REPLIES 44
bahbahd
Established Contributor

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

Message 2 of 45
Shogun
Moderator Emeritus

Re: Do I dare???

All they can do is say no.  Smiley Happy

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
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June 2017 update: All scores over 820, just pure gardening now.
Message 3 of 45
RockinRay
Valued Contributor

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 **
Message 4 of 45
snowkitty
Established Contributor

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!!! Cat Very 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 9k | Boa Travel 10k | 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 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Message 5 of 45
jsucool76
Super Contributor

Re: Do I dare???

Congrats!!

 

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

Message 6 of 45
TNTransplant
Established Contributor

Re: Do I dare???


@jsucool76 wrote:

Congrats!!

 

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


Yes. Smiley Tongue


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

Message 7 of 45
jsucool76
Super Contributor

Re: Do I dare???


@TNTransplant wrote:

@jsucool76 wrote:

Congrats!!

 

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


Yes. Smiley Tongue


Lame....

 

I'm tempted to call up and say I want to take advantage of the promotion...and then not Smiley Very Happy 

Message 8 of 45
snowkitty
Established Contributor

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  Cat Very 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 9k | Boa Travel 10k | 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 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Message 9 of 45
jsucool76
Super Contributor

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  Cat Very Happy

 


Thanks snow Smiley Very Happy

Message 10 of 45
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