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

Valued Contributor

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

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 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)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 (22.5K), 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 (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 1 of 6
5 REPLIES
Super Contributor

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

Congrats!

 

Those are some nice limits Smiley Very Happy 

Message 2 of 6
Contributor

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?)
Message 3 of 6
Valued Contributor

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 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)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 (22.5K), 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 (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 4 of 6
Regular Contributor

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)
Message 5 of 6
Valued Contributor

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 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)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 (22.5K), 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 (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 6 of 6