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Frequent Contributor
Posts: 358
Registered: ‎06-25-2012
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GE Capital / Walmart

To those of you who make regular CLI requests on your GE cards, what is the minimum time you have seen between approvals, and how much did you use your card in that time?

 

I am getting denied for insufficient experience at my current limit, and I am not sure if it is strictly due to time or simply lack of sufficient usage. I THINK the last CLI was late June. Last time I went throgh an underwriter, so that may have something to do with it as well. Any recommendations?

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: GE Capital / Walmart


SwampSystems wrote:

To those of you who make regular CLI requests on your GE cards, what is the minimum time you have seen between approvals, and how much did you use your card in that time?

 

I am getting denied for insufficient experience at my current limit, and I am not sure if it is strictly due to time or simply lack of sufficient usage. I THINK the last CLI was late June. Last time I went throgh an underwriter, so that may have something to do with it as well. Any recommendations?


4 statement cycles from your last CLI request is the minimum. If your account is new, at least 4 statement cycles from opening date is minimum.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
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Frequent Contributor
Posts: 445
Registered: ‎09-14-2011
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Re: GE Capital / Walmart


LS2982 wrote:

SwampSystems wrote:

To those of you who make regular CLI requests on your GE cards, what is the minimum time you have seen between approvals, and how much did you use your card in that time?

 

I am getting denied for insufficient experience at my current limit, and I am not sure if it is strictly due to time or simply lack of sufficient usage. I THINK the last CLI was late June. Last time I went throgh an underwriter, so that may have something to do with it as well. Any recommendations?


4 statement cycles from your last CLI request is the minimum. If your account is new, at least 4 statement cycles from opening date is minimum.

 


I love Football with a 55" 0% for 18 months 0% apr. @ LS2982 he is right on.

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
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Re: GE Capital / Walmart


LS2982 wrote:

SwampSystems wrote:

To those of you who make regular CLI requests on your GE cards, what is the minimum time you have seen between approvals, and how much did you use your card in that time?

 

I am getting denied for insufficient experience at my current limit, and I am not sure if it is strictly due to time or simply lack of sufficient usage. I THINK the last CLI was late June. Last time I went throgh an underwriter, so that may have something to do with it as well. Any recommendations?


4 statement cycles from your last CLI request is the minimum. If your account is new, at least 4 statement cycles from opening date is minimum.

 


That is correct!

 

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Frequent Contributor
Posts: 358
Registered: ‎06-25-2012
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Re: GE Capital / Walmart

[ Edited ]

LS2982 wrote:
4 statement cycles from your last CLI request is the minimum. If your account is new, at least 4 statement cycles from opening date is minimum. 

Do you think it matters that I haven't had a visible statement since April? Guess I will start letting some of that 15-cents-off Murphy gas post once Discover/Freedom 5% gas is over.

 

------------------------

 

EDIT: Now I'm wondering if Murphy sells Walmart gift cards. You still get 10 cents off per gallon with a Walmart gift card, and if you purchase it from Murphy it would probably get coded as a gas purchase for the 5% back on Discover/Freedom.

Senior Contributor
Posts: 4,682
Registered: ‎12-11-2011
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Re: GE Capital / Walmart

I tend to let balances post to my GE cards since I remember reading that if you don't let a balance post their statements get messed up or something. 

;
Valued Contributor
Posts: 2,266
Registered: ‎07-23-2012
0

Re: GE Capital / Walmart

same for me.

i was approved mid july and have not had one posted statement yet. 

 

only used this month and i already pif since statement closes the 25th.

 

Current: Discover Fico 701 3/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 5 TU 1 EX 1 | Most Recent: 03/23/2015
Over 12 Months:6


2014 Goals:
Lower Utility
15% right now, but going up soon :smileysad:
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$6400
Citi Diamond Preferred$6000
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Established Contributor
Posts: 912
Registered: ‎06-14-2012
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Re: GE Capital / Walmart

Swamp, i sent you a PM :smileywink:



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
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Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Frequent Contributor
Posts: 358
Registered: ‎06-25-2012
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Re: GE Capital / Walmart


gettnthere wrote:

Swamp, i sent you a PM :smileywink:


My last CLI a few months ago was actually from an underwriter, so I was apprehensive to call the backdoor number again so soon. But I'm glad you sent it to me, because after 15 minutes on the phone and a verification call to the phone number I had on file, they successfully raised my CL from $6,000 to $10,000! I'm finally in the "premium bankcard" club! You guys are awesome.

Established Contributor
Posts: 697
Registered: ‎03-16-2012
0

Re: GE Capital / Walmart

I would say 4 months after your last cli..... My dad did this with his... He didn't have to wait for the statement to cut, he got a $200 (:smileylol:) increase from his PayPal exactly the fourth month of his last increase


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



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