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

GECRB has no max limit!!!

So I called Cred Solutions today to request a cli on a GE account...
I was denied for one of the first times ever lol!!
Oh well, nbd... I have plenty of cred... I just do it for fun at this point!

Anyway, the rep over there told me that the regular Customer Service Reps donhave limits on each account but that she could put it at whatever limit she wanted!!!!

So maybe our time spent trying to fig out GE's max limit exposure is just...time wasted?
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
Moderator
Revelate
Posts: 9,645
Registered: ‎12-30-2011
0

Re: GECRB has no max limit!!!


youngandcreditwrthy wrote:
So I called Cred Solutions today to request a cli on a GE account...
I was denied for one of the first times ever lol!!
Oh well, nbd... I have plenty of cred... I just do it for fun at this point!

Anyway, the rep over there told me that the regular Customer Service Reps donhave limits on each account but that she could put it at whatever limit she wanted!!!!

So maybe our time spent trying to fig out GE's max limit exposure is just...time wasted?

Always take whatever a CSR tells you with a grain of salt.  :smileyhappy:  Just because they can type whatever they wish into the box, doesn't mean there's not a limit that's enforced during underwriting.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Valued Contributor
navigatethis12
Posts: 1,952
Registered: ‎01-24-2012
0

Re: GECRB has no max limit!!!


Revelate wrote:


Always take whatever a CSR tells you with a grain of salt.  :smileyhappy:  Just because they can type whatever they wish into the box, doesn't mean there's not a limit that's enforced during underwriting.


I just wonder what their underwriting is. I went from 1200 to 10000 in one month. They never ask any questions about anything, they just approve. The only other lender that is that easy is FIA, but they do a hard inquiry.

Valued Contributor
ryanbush
Posts: 1,292
Registered: ‎08-19-2012
0

Re: GECRB has no max limit!!!

What was you're reason for denial?

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Established Contributor
Pilotdude
Posts: 955
Registered: ‎02-02-2013
0

Re: GECRB has no max limit!!!

not just too much credit but:

WAAAAAAAAY TOO MUCH CREDIT!!! 

 

:smileytongue:


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Valued Contributor
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

Re: GECRB has no max limit!!!

give backdoor CSR a break man lol......


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Epic Contributor
Creditaddict
Posts: 21,684
Registered: ‎10-23-2007
0

Re: GECRB has no max limit!!!

What is your GE Total Credit now?

Fico Scores: EQ- 653 Cap1., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
65 Cards and Counting :smileytongue:
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: GECRB has no max limit!!!

Lol.. I disagree. Credit only becomes a problem if you USE it. I have one GE account with a balance...
Let's see....
I have .... At least around $85k in avail credit from GE with a bal of $850 on my Paypal MC.
Lol :-)

They wouldn't give me the reason over the phone lol... I'll wait til I get the letter. It's prob due to the new Citi card that just started reporting.
My last TU 08 FICO was 690 while my last EQ Fico was 684....

These are at least a month old. So that's prob why I got denied. Lol oh well... I've been getting clis like crazy since like Nov 2011. I've gone from a pure, backdoor/ recon free avail cred of like $50k to almost $145k since then...mostly due to the tricks Ive found on this board :-) lol
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
ryanbush
Posts: 1,292
Registered: ‎08-19-2012
0

Re: GECRB has no max limit!!!

You have 85K in credit with one bank and you don't think that is the reason they denied you're CLI request?  How much credit do you think they will give you? 

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Epic Contributor
Creditaddict
Posts: 21,684
Registered: ‎10-23-2007
0

Re: GECRB has no max limit!!!


ryanbush wrote:

You have 85K in credit with one bank and you don't think that is the reason they denied you're CLI request?  How much credit do you think they will give you? 


I don't know about you all but that number just seems SO SILLY attached to anything that would follow after GE!

$85k is more than I managed with Amex in the hay days of free credit.

But after working at a store that used GE, I'm still shocked each time I see the credit cards and lines OP has with GE.... I think I will submit you to Guiness books of world records with most credit line with GE!

Fico Scores: EQ- 653 Cap1., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
65 Cards and Counting :smileytongue:

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