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Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

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| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | 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
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012
0

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: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Established Contributor
kobe2012
Posts: 691
Registered: ‎03-16-2012
0

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: 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



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

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
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012
0

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: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Regular Contributor
aplast
Posts: 150
Registered: ‎06-20-2012
0

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!

American Express Green - NPSL, Sams Club Discover - 4000, Paypal Smart Connect - 4000, Capital One - 3500, Barclaycard Visa - 2500, Walmart - 1500, Discover IT - 1000, Ashley Furniture Home Store - 1000, Care Credit - 1000.
Established Contributor
kobe2012
Posts: 691
Registered: ‎03-16-2012
0

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: 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



Established Contributor
masscredit
Posts: 773
Registered: ‎07-17-2012
0

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. 


|****$6000****|****$6000*****|****$4500*****|****$2500****|****$1600****|****$3000****|******$1350******|*****$700*****|
EX - 657 (MyFico 10/02/14) TU - 655 (Walmart 10/10/14 ) EQ 04 - 699 (DCU -09/26/14) EQ 08 - 658 (MyFico -10/25/14)

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