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Frequent Contributor
SwampSystems
Posts: 358
Registered: ‎06-25-2012
0

GE Walmart soft limit cap

Last time I spoke with a GE underwriter, he told me that the normal limit cap on the GE Walmart store card is $6,000. This means that no automated or manually requested CLI can get your limit over this amount. The underwriters can go higher on a per-case basis, but this may explain (A) why some of us couldn't get a manual or auto-CLI over $6,000, and (B) why some people's limits were lowered when upgrading to the Walmart Discover.

 

Mine was stuck at $6k before I went through underwriting. I would have never known to do this if I hadn't seen everyone else's super-high GE limits on this forum. Personally, I like to know as much about the whole credit process as possible, so I thought you all might find this information interesting.

 

Does anyone know what the soft caps are on other GE cards?

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

Re: GE Walmart soft limit cap


SwampSystems wrote:

Last time I spoke with a GE underwriter, he told me that the normal limit cap on the GE Walmart store card is $6,000. This means that no automated or manually requested CLI can get your limit over this amount. The underwriters can go higher on a per-case basis, but this may explain (A) why some of us couldn't get a manual or auto-CLI over $6,000, and (B) why some people's limits were lowered when upgrading to the Walmart Discover.

 

Mine was stuck at $6k before I went through underwriting. I would have never known to do this if I hadn't seen everyone else's super-high GE limits on this forum. Personally, I like to know as much about the whole credit process as possible, so I thought you all might find this information interesting.

 

Does anyone know what the soft caps are on other GE cards?


another forum member posted they got to 10k with a soft pull. 

im currently at 5k so i cant say i wouldnt be able too. 

in a few months ill ask for another cli. 

and ill ask for 8k 

its a store card. 

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
flowfaster
Posts: 787
Registered: ‎08-30-2011
0

Re: GE Walmart soft limit cap


creditnocash wrote:

SwampSystems wrote:

Last time I spoke with a GE underwriter, he told me that the normal limit cap on the GE Walmart store card is $6,000. This means that no automated or manually requested CLI can get your limit over this amount. The underwriters can go higher on a per-case basis, but this may explain (A) why some of us couldn't get a manual or auto-CLI over $6,000, and (B) why some people's limits were lowered when upgrading to the Walmart Discover.

 

Mine was stuck at $6k before I went through underwriting. I would have never known to do this if I hadn't seen everyone else's super-high GE limits on this forum. Personally, I like to know as much about the whole credit process as possible, so I thought you all might find this information interesting.

 

Does anyone know what the soft caps are on other GE cards?


another forum member posted they got to 10k with a soft pull. 

im currently at 5k so i cant say i wouldnt be able too. 

in a few months ill ask for another cli. 

and ill ask for 8k 

its a store card. 



I went from 5k to 10K with a soft pull but that is not what the OP is talking about.  Every Walmart CLI attemt is a soft pull.  He is talking about getting over 6k without talking to underwriting. 

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: GE Walmart soft limit cap


flowfaster wrote:

creditnocash wrote:

SwampSystems wrote:

Last time I spoke with a GE underwriter, he told me that the normal limit cap on the GE Walmart store card is $6,000. This means that no automated or manually requested CLI can get your limit over this amount. The underwriters can go higher on a per-case basis, but this may explain (A) why some of us couldn't get a manual or auto-CLI over $6,000, and (B) why some people's limits were lowered when upgrading to the Walmart Discover.

 

Mine was stuck at $6k before I went through underwriting. I would have never known to do this if I hadn't seen everyone else's super-high GE limits on this forum. Personally, I like to know as much about the whole credit process as possible, so I thought you all might find this information interesting.

 

Does anyone know what the soft caps are on other GE cards?


another forum member posted they got to 10k with a soft pull. 

im currently at 5k so i cant say i wouldnt be able too. 

in a few months ill ask for another cli. 

and ill ask for 8k 

its a store card. 



I went from 5k to 10K with a soft pull but that is not what the OP is talking about.  Every Walmart CLI attemt is a soft pull.  He is talking about getting over 6k without talking to underwriting. 


ok i got you. 

yeah i went 800 to 3k without uw. 

for the 5k i called the back door number though. 

 

just curious flow whats your income. im kind of weary of asking for a 10k limit with a 32k income.

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
Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
0

Re: GE Walmart soft limit cap

I got 5k store card. I hope they offer Discover soon and put me at 6k :smileysurprised:

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Frequent Contributor
mtrsprt
Posts: 335
Registered: ‎07-27-2011
0

Re: GE Walmart soft limit cap

If you need/want a $6000.00 credit line for Walmart, somethings wrong.  Why anyone would want that is beyond me.


Starting Score: 521 TU, 597 EQ, 574 EX on 6/20/2011
Current Score: 753 TU, 748 EQ, 766 EX on 11/13/2014
Goal Score: 720-740 Across the board


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Valued Contributor
Epcot
Posts: 2,789
Registered: ‎10-10-2012
0

Re: GE Walmart soft limit cap


mtrsprt wrote:

If you need/want a $6000.00 credit line for Walmart, somethings wrong.  Why anyone would want that is beyond me.


It helps with overall util if one is carrying balances on other cards.


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

Re: GE Walmart soft limit cap

I just went from $1500 to 5k with U/W. Hoping to go to 10k in march. I've seen several members and people I know with greater than 6k on their Wal-Mart card , so hopefully 6k is not the cap . Also the additional credit is great for utilization purposes.


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

Re: GE Walmart soft limit cap

My bad I just read the entire thread lol. I'm not sure about caps but I'm up too 3.5k on my AE card. Before that it was only 550. Let's see how high I can get it on the next round of increases lol


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:
Frequent Contributor
Brian_Trying_700
Posts: 445
Registered: ‎09-14-2011
0

Re: GE Walmart soft limit cap


mtrsprt wrote:

If you need/want a $6000.00 credit line for Walmart, somethings wrong.  Why anyone would want that is beyond me.


:smileylol: Maybe 2k tops

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