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GE Cards CLI

Senior Contributor

Re: GE Cards CLI

Did you have any recent derogs on your reports? Maybe try to cli other non gecrb accounts to help with util?!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor

Re: GE Cards CLI

Call UW......your change 90% ...


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Established Contributor

Re: GE Cards CLI

i always get denied when I call the underwriter.... but for some odd reason last week, I called again for my walmart and chevron.... walmart increased from $900 ---> $2000 and chevron went from $700 ---->$1700... I opened both cards at the same time in May ... both auto increased last August.....walmart $500 -->$900 and chevron $400-->$700

.....  I only PIF once (my first statement)... and Ive kept 10%-25% balance since....

 

.... i have 3 charged offs ...1 from almost 5 yrs ago (unpaid) and 2 from 6+ yrs ago (1 unpaid, 1 paid) ....1 collection from 6+ yrs ago (unpaid)..incluing 11 inquiries in the past 2 yrs


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Frequent Contributor

Re: GE Cards CLI

on tu, no collections and 1 old old charge off close to falling off.  a couple 60 day lates over 3 years ago... on equifax there are two collections, but they are small for less than $100.  i think my util is hurting me... 

Valued Contributor

Re: GE Cards CLI


kobe2012 wrote:

i always get denied when I call the underwriter.... but for some odd reason last week, I called again for my walmart and chevron.... walmart increased from $900 ---> $2000 and chevron went from $700 ---->$1700... I opened both cards at the same time in May ... both auto increased last August.....walmart $500 -->$900 and chevron $400-->$700

.....  I only PIF once (my first statement)... and Ive kept 10%-25% balance since....

 

.... i have 3 charged offs ...1 from almost 5 yrs ago (unpaid) and 2 from 6+ yrs ago (1 unpaid, 1 paid) ....1 collection from 6+ yrs ago (unpaid)..incluing 11 inquiries in the past 2 yrs


Your credit file very similar to mine.....Did you ever hit close by 700 credit score ? what your AAOA ????

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Regular Contributor

Re: GE Cards CLI

OP I have had GE accounts for a couple years now. from what I have seen personally on my accounts is that when util is high they wont budge. now if you call underwriters and talk to a decision maker (not a button pusher) you may have some luck. Last year my util was like above 50%. I have since paid off all my debt and only have 1000 balance on my sams discover right now... 2 weeks ago I got a total of almost 2k luv from GECRB. they like low util! keep us updated!

Established Contributor

Re: GE Cards CLI


nicholasyud wrote:

kobe2012 wrote:

i always get denied when I call the underwriter.... but for some odd reason last week, I called again for my walmart and chevron.... walmart increased from $900 ---> $2000 and chevron went from $700 ---->$1700... I opened both cards at the same time in May ... both auto increased last August.....walmart $500 -->$900 and chevron $400-->$700

.....  I only PIF once (my first statement)... and Ive kept 10%-25% balance since....

 

.... i have 3 charged offs ...1 from almost 5 yrs ago (unpaid) and 2 from 6+ yrs ago (1 unpaid, 1 paid) ....1 collection from 6+ yrs ago (unpaid)..incluing 11 inquiries in the past 2 yrs


Your credit file very similar to mine.....Did you ever hit close by 700 credit score ? what your AAOA ????

 


Not that i know...if i pay down my util to ~10% maybe .... Im @25% right now.... My aaoa is 3 yrs


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Highlighted
Valued Contributor

Re: GE Cards CLI

I know less than 10% is preferred but, from experience, how are they when your hanging in the 15-25% range?   And also, total utilization or... % of utilization of their CL?

 

My Walmart limit is $600. I made some purchases last month so a balance of $533. was posted when the statement closed. I plan to have a $0. - $50. balance on that card when I contact them for an increase after my 4th statement closes in mid Dec.   And of my 8 credit lines, probably only two will have balances. Most likely in the 20-25% range. I'll be trying for increases on other accounts that I opened in Aug too. Those accounts will also be in the $0. to $50. range. 

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500


EQ - 740 / TU - 748 / EX - 748