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Frequent Contributor
Posts: 290
Registered: ‎11-10-2010
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GE Cards CLI

So frustrated with GE.  Everytime I increase a CLI on wal-mart or PayPal I get denied.  SOmetimes it's a soft pull and they send the reason why and it's my utilization. I am at 54% overall and generally I pay in full every month, but sometimes have let it go with a balance. I am at about 630 on TU.  I thought they were generous no matter what?!?!

Established Contributor
Posts: 912
Registered: ‎06-14-2012
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Re: GE Cards CLI

Call the U/W department, they are awesome. Myself and others have had great success with it. But you do need to get that util down.


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
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Valued Contributor
Posts: 2,270
Registered: ‎07-23-2012
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Re: GE Cards CLI


Ortz33__ wrote:

So frustrated with GE.  Everytime I increase a CLI on wal-mart or PayPal I get denied.  SOmetimes it's a soft pull and they send the reason why and it's my utilization. I am at 54% overall and generally I pay in full every month, but sometimes have let it go with a balance. I am at about 630 on TU.  I thought they were generous no matter what?!?!


not no matter what but is this via the site or a live person? 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

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Chase Freedom$1500
Discover IT$6,400
Citi DC $10,000
Citizens Mastercard$7,000
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: GE Cards CLI


Ortz33__ wrote:

So frustrated with GE.  Everytime I increase a CLI on wal-mart or PayPal I get denied.  SOmetimes it's a soft pull and they send the reason why and it's my utilization. I am at 54% overall and generally I pay in full every month, but sometimes have let it go with a balance. I am at about 630 on TU.  I thought they were generous no matter what?!?!


That is never the case with any creditor. Your high util. is whats bringing you down. Get it below 20% and you should see some luv!

 




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Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
Posts: 290
Registered: ‎11-10-2010
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Re: GE Cards CLI

I am told on the site I am not eligible for an increase.. or "they are not taking online increase requests" and I am asked to call... ?  Is that normal? 

 

So you think calling is the better option?

Frequent Contributor
Posts: 290
Registered: ‎11-10-2010
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Re: GE Cards CLI

When I call it is automated...

Valued Contributor
Posts: 2,270
Registered: ‎07-23-2012
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Re: GE Cards CLI


Ortz33__ wrote:

I am told on the site I am not eligible for an increase.. or "they are not taking online increase requests" and I am asked to call... ?  Is that normal? 

 

So you think calling is the better option?


i was the same. but my balance was 0.. pay it off and let it report and then call the number in the backdoor thread ask to speak to the uw and it will propably be better from you. 

 

they always only soft pull. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$6,400
Citi DC $10,000
Citizens Mastercard$7,000
Established Contributor
Posts: 657
Registered: ‎06-27-2012
0

Re: GE Cards CLI

Yes defenitely better to call, a human is always better than a computerized system.

 

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Frequent Contributor
Posts: 265
Registered: ‎05-28-2012
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Re: GE Cards CLI

That button gives the same message to everyone. You have to call in for a request. And def speak to u/w. I was denied by automated system but u/w approved 800-->2000.

Current Score:652 EQ (Beacon 5.0), 647 EX, 647 EQ, 693 TU (USAA CMS), 684 TU (Walmart)
Goal Score:700 across the board

My Wallet: NFCU cashRewards Sig ($14k); Chase SW RR Sig ($6); USAA Cash Rewards MC ($2k); USAA Plat MC ($2k); USAA AMEX ($2k) GE/JC Penney ($4.4k); Chase Freedom ($1.5k); GE/Lowes ($1.8k); GE/Amazon ($1.7k); GE/Walmart ($5k); Cap 1 ($1k); Comenity/LB ($1K); Dillards AMEX ($2.1k)
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Valued Contributor
Posts: 1,406
Registered: ‎07-12-2011
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Re: GE Cards CLI

Hi Ortiz33_

GE is typically generous with CLIs but you still have to meet the credit criteria to receive them.  It's never a sure thing.  If you get your utility down to at least 30-35%, you will probably see some luv. I too have had great success with calling the BackDoor numbers.  The worst that can happen is they say no.  I wish you luck.  Let us know what happens. 


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