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Established Contributor
masscredit
Posts: 691
Registered: ‎07-17-2012
0

GE - Insufficient Experience letters...

Well, I jumped the gun a little. Called what I thought were the backdoor numbers for JPC and Walmart about a week and a half ago. Walmart card is 3 months old. Started at $600. and it jumped up to $700. about 3 weeks ago. JCP was 2 months old when I called. Both numbers that I thought were to underwritting took me into the automated system. Both shot me down. I felt unloved and unwanted... 

 

My letters arrived today. Both state that they are unable to approve my request due to insufficient experience at teh current credit line. 

 

I know I was a little early on JCP. Seeing that I got a $100. auto CLI earlier this month, do I have to wait for months from them or should I try next month which will be 4 months after opening the account? I think I probably could have at least got Walmart bumped if I had the number to underwritting. I searched the web and also used the numbers at the top of this section.

 


|****$6000****|****$6000*****|****$4500*****|****$2500****|****$1600****|****$3000****|******$750******|*****$700*****|
EX - 651 (MyFico 06/05/14) TU - 662 (Barclay 08/05/14 ) EQ 04 - 699 (DCU -07/26/14) EQ 08 - 686 (MyFico -08/09/14)
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: GE - Insufficient Experience letters...

[ Edited ]

I've had that happen. Just wait until next month, when you've reached 4 months since you opened the account, then try again. Worked for me. Good luck!


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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: GE - Insufficient Experience letters...


masscredit wrote:

Well, I jumped the gun a little. Called what I thought were the backdoor numbers for JPC and Walmart about a week and a half ago. Walmart card is 3 months old. Started at $600. and it jumped up to $700. about 3 weeks ago. JCP was 2 months old when I called. Both numbers that I thought were to underwritting took me into the automated system. Both shot me down. I felt unloved and unwanted... 

 

My letters arrived today. Both state that they are unable to approve my request due to insufficient experience at teh current credit line. 

 

I know I was a little early on JCP. Seeing that I got a $100. auto CLI earlier this month, do I have to wait for months from them or should I try next month which will be 4 months after opening the account? I think I probably could have at least got Walmart bumped if I had the number to underwritting. I searched the web and also used the numbers at the top of this section.

 


You have to wait exactly 4 statement cuts from account opening to request automated CLI's or they will auto deny and give you that letter. If your accounts are not new you need to wait exactly 4 months since your last CLI.

 




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EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
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Frequent Contributor
wallyworld123
Posts: 455
Registered: ‎01-04-2012
0

Re: GE - Insufficient Experience letters...


masscredit wrote:

Well, I jumped the gun a little. Called what I thought were the backdoor numbers for JPC and Walmart about a week and a half ago. Walmart card is 3 months old. Started at $600. and it jumped up to $700. about 3 weeks ago. JCP was 2 months old when I called. Both numbers that I thought were to underwritting took me into the automated system. Both shot me down. I felt unloved and unwanted... 

 

My letters arrived today. Both state that they are unable to approve my request due to insufficient experience at teh current credit line. 

 

I know I was a little early on JCP. Seeing that I got a $100. auto CLI earlier this month, do I have to wait for months from them or should I try next month which will be 4 months after opening the account? I think I probably could have at least got Walmart bumped if I had the number to underwritting. I searched the web and also used the numbers at the top of this section.

 


The cards will grow try again next month don't feel unloved or unwanted just be patient.

Valued Contributor
navigatethis12
Posts: 1,913
Registered: ‎01-24-2012
0

Re: GE - Insufficient Experience letters...

I got an increase on Amazon today. I used the telephone number on the card and had to hit zero at least thirty times before I could speak with someone. I asked them to do the increase and it was of course denied so I asked if there was someone I could speak with about it. He transferred me and a very nice lady came on the telephone. She didn't ask any questions and said she would look at a credit report (soft pull) and be back in a few minutes. She came back and said she raised it to what I asked. About forty days ago I just received an increase, so it appears that udnerwriters can override the system.

 

When you ask, say some outrageous number. I asked for 5000 from 2500 last time and this time asked for 10000 and both approved without even asking why I wanted it.


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