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Frequent Contributor
Ortz33__
Posts: 290
Registered: ‎11-10-2010
0

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
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

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
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

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 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

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!

 




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
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
Ortz33__
Posts: 290
Registered: ‎11-10-2010
0

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
Ortz33__
Posts: 290
Registered: ‎11-10-2010
0

Re: GE Cards CLI

When I call it is automated...

Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

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 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
migliogiorni
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.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Frequent Contributor
journey258
Posts: 265
Registered: ‎05-28-2012
0

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)
Community Leader
Valued Contributor
improvingmycredit
Posts: 1,402
Registered: ‎07-12-2011
0

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. 


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K


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