Reply
Valued Contributor
Posts: 1,100
Registered: ‎02-15-2012
0

GE CLI's, first 7-10 day msg from GE

[ Edited ]

Well, I called GE on my Sam's Club Discover for a CLI and used the automated system.

CLI ffrom $3500 to $6000

 

Was encouraged, and called on my Walmart Discover which is only 4 months old.  

CL was at initial CL of  $3200 (not a bad start for Walmart).  Decided to go for the gusto and ask them for $6000 as well. Got a 7-10 day message, but a counteroffer of $5200.  Snatched it up right away.  I am sure I was being greedy and the account is too new.  We will see what the 7-10 day letter says.  

 

All in all, I am happy.  A little shy to try my JCPenney just yet.  Smiley Embarassed Maybe next month. Then again GE is ALWAYS a soft pull from automated system, right? If I get told no, there is no harm.  Would someone please verify?

 

Also closed out my NY and Co Card. Toy mall limit of $350 that was probably doing more harm than good by bringing down my average. Never used it after the first purchase. I can't think of any downside to this. I already have a mix of credit. 


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 821 EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (17.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (10.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Super Contributor
Posts: 5,872
Registered: ‎12-11-2011
0

Re: GE CLI's, first 7-10 day msg from GE

Congrats!

 

Those are some nice limits Smiley Very Happy 

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

Re: GE CLI's, first 7-10 day msg from GE

I'm hoping for some WallyWorld love too once my 4th statement posts in a couple weeks. 

We shall see!


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
Posts: 1,100
Registered: ‎02-15-2012
0

Re: GE CLI's, first 7-10 day msg from GE

Well, I broke down and asked JCP for a CLI.  I was conservative and asked to go from $2300 to $3800 (a $1500 increase).  It was approved. I don't know why I am worried about getting the 7-10 day letter.  I think it is a hangup from when I got denied all the time. Things are so much better these days but I am still expecting the rejection in the back of my mind.


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 821 EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (17.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (10.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Regular Contributor
Posts: 248
Registered: ‎09-02-2011
0

Re: GE CLI's, first 7-10 day msg from GE

@crouching_numbers

I think your credit profile is past worring about CLI from GE, I think you are good. Smiley Wink

Trans Union Fico (Walmart) ,690 Experian Fico (Amex) 686(Opened 3 new accounts this month. In the Garden)


AMEX BCE ($19,500) AMEX PRG -(NPSL), BARCLAYS US AIR PREMIER WORLD ($10,000), BOA CASH REWARD -($6,000), CITI HILTON RESERVE SIGGY-(5,000), WALMART DISCOVER ( $5,800), CITI DIAMOND ($4,700), CITI DIVIDED WORLD ($4,500), AMAZON STORE($5,000), NORDSTROM VISA SIG($5,000), PAYPAL STORE ($4,000) Amex Delta Gold ($2000)
Valued Contributor
Posts: 1,100
Registered: ‎02-15-2012
0

Re: GE CLI's, first 7-10 day msg from GE


CK_Charles_Lover wrote:

@crouching_numbers

I think your credit profile is past worring about CLI from GE, I think you are good. Smiley Wink


I guess. It is just hard to believe. I think I will have more confidence when Merrick and Cap1 fall off and I can't see them on my reports anymore. And when the debt is down further so that I am not so hungry to get the CLI's higher to get the overall util improved. I am confident that then my FICO will shoot up. (well, I have one baddie left too)


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 821 EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (17.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (10.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.