@laboi_22 wrote:
Yes it's low but I would use it. I would make small purchases and pay online before the statement cuts online. I'd pay as soon as the charge posts actually. This way you never end up with UTL issues and it shows usage. It will grow I promise. Your CR might need to age a bit/improve before you see the love but I think it would be worth the wait.
Eh...
I see what your saying. I feel like that card is holding me down as far as CLI's for other cards.
@laboi_22 wrote:
Maybe but I doubt it. I really think GE will grow with you. I also think that most banks issue new accounts/limits based on your score. I know the automated systems can approve a CL instantly online if the applier meets preset requirements. For example the computer says CR score=650-675 CL to start =2000. I wouldn't worry to much about CLs and how much that affects CLs or CLIs
Well they got 1 more shot to show luv, or I may have to excerise my chop chop clause in their contract!!!
If the JCP card is not being used, there is no justification for a CL. This has been going on for months and quite honestly there never will be a CL on any of those cards if they're not used. GE likes usage, not whine-age about a lack of a good CL. Also, the scores need to be higher (IMO/E) if a CL is being requested. Just my two cents.
@laboi_22 wrote:
@LS2982 wrote:
not sure how to handle my GE accounts, no luv whatsoever from them. i use my walmart card plenty. I refuse to use the JCP card with a $150 CL on principal alone. my credit deserves better.Is your overall UTL high?
Hey, I have a $120 limit on my JCP card! But I have a $4000 CL on Paypal M/C, $5000 CL on my Bomgaars card, & 4500 CL on a HOM card, all thru GEMB.....
@frogfan12 wrote:If the JCP card is not being used, there is no justification for a CL. This has been going on for months and quite honestly there never will be a CL on any of those cards if they're not used. GE likes usage, not whine-age about a lack of a good CL. Also, the scores need to be higher (IMO/E) if a CL is being requested. Just my two cents.
I don't recall asking for negative comments. I'm fully aware of how CLI's and GE work. I've made purchases on the card. Do I heavily utilize it? No. But I would use it more with a better line.
And IMO, my scores will be just fine for an increase. Thanks! 
@LS2982 wrote:
@frogfan12 wrote:If the JCP card is not being used, there is no justification for a CL. This has been going on for months and quite honestly there never will be a CL on any of those cards if they're not used. GE likes usage, not whine-age about a lack of a good CL. Also, the scores need to be higher (IMO/E) if a CL is being requested. Just my two cents.
I don't recall asking for negative comments. I'm fully aware of how CLI's and GE work. I've made purchases on the card. Do I heavily utilize it? No. But I would use it more with a better line.
And IMO, my scores will be just fine for an increase. Thanks!
It's not a negative comment, just statement of the truth. Everytime someone mentions GE, certain comments (or complaints rather) are made about this $150 CL. But I'm just going to keep my mouth closed. #thatisall
