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Established Contributor
Changingmantra
Posts: 676
Registered: ‎01-24-2008
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GEMB CC CLI Question

I notice that when talking about GEMB cards: JC Penny, Walmart, etc... people often talk about requested CLIs.  Has anyone ever gotten an auto CLI increase on one of their cards?
*Note to self* Remember why and for how long you had to rebuild in the first place! One Day at a Time, One Day at a Time!
Regular Contributor
notmyname
Posts: 178
Registered: ‎08-21-2007
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Re: GEMB CC CLI Question

Yes, Belk.

NMN

Established Contributor
GFer
Posts: 978
Registered: ‎04-01-2008
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Re: GEMB CC CLI Question

Yes, but the stars were aligned just so...


1/28/14 EQ 817, (6/30/14)EX 821, TU 817 on 6/13/2014

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Super Contributor
marty56
Posts: 5,679
Registered: ‎10-06-2007
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Re: GEMB CC CLI Question

Yes, my  Sams card went from 300 to 3100 and I never asked for a CLI.  Took 4 years and it went up incrementaly.

09/12/2013 FICO: EQ: 772 EX:813 TU:752
Established Contributor
fevmlo
Posts: 640
Registered: ‎03-28-2008
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Re: GEMB CC CLI Question

Yep - I got a Banana Republic card last December and at the six month mark I got a huuuuge auto-CLI from $500 to $600. I haven't used the card since the day I opened the account, so doubt I'll see another CLI on its first anniversary.
EQ: 723 / TU: 760 (August 2009)
Super Contributor
marty56
Posts: 5,679
Registered: ‎10-06-2007
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Re: GEMB CC CLI Question

LOL I used have have the Sams card close to being maxed (my bad credit period) out so I think thats why they kept raising my limits.  The moment they stoped making money on me in interest, the stoped giving me CLIs.

 

I not not implying you should follow my bad example to get auto-CLIs, I'm just making a guess on why I got them from GEMB.

09/12/2013 FICO: EQ: 772 EX:813 TU:752
Established Contributor
Uniqua
Posts: 683
Registered: ‎04-05-2008
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Re: GEMB CC CLI Question


fevmlo wrote:
Yep - I got a Banana Republic card last December and at the six month mark I got a huuuuge auto-CLI from $500 to $600. I haven't used the card since the day I opened the account, so doubt I'll see another CLI on its first anniversary.

LOL.  Fevmlo, you do know that if you don't use that charge card, they are going to close it on you, right?

 

It's been a while since I had any GEMB cards, but I do recall that I don't think I ever received CLIs and I was a shop-a-holic!  YMMV


Starting Score: TU 723, EQ 708
Current Score: TU 796, EQ 743
Goal Score: TU 800, EQ 800


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Starting Score: 708
Current Score: 743
Goal Score: 800


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Established Contributor
fevmlo
Posts: 640
Registered: ‎03-28-2008
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Re: GEMB CC CLI Question


Uniqua wrote:

fevmlo wrote:
Yep - I got a Banana Republic card last December and at the six month mark I got a huuuuge auto-CLI from $500 to $600. I haven't used the card since the day I opened the account, so doubt I'll see another CLI on its first anniversary.

LOL.  Fevmlo, you do know that if you don't use that charge card, they are going to close it on you, right?

 

It's been a while since I had any GEMB cards, but I do recall that I don't think I ever received CLIs and I was a shop-a-holic!  YMMV


Yep, I do know that, and know I need to use the thing to stop that happening... I just haven't quite got around to it yet. (Not quite like a regular CC that I can just use to pay for my lunch with or something, this requires effort - bah!) I do have a $10 (I think) "rewards" voucher they sent me months ago, that expires on Dec 31st - so I guess it's time to drag myself to Gap to buy a sweater using that voucher and the Banana Republic card to make up the difference. Ooh, last of the big spenders, me! :smileysurprised: 

 

EQ: 723 / TU: 760 (August 2009)
Established Contributor
Uniqua
Posts: 683
Registered: ‎04-05-2008
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Re: GEMB CC CLI Question

Fevmlo, you can use the card at both stores?

I remember having a Children's Place store card. Once my son grew out of the clothes, I stopped shopping there. If I knew then what I know now I would have kept using the card to buy items for my great nephews and great nieces and birthday gifts for the children of friends. I just let the card sit until they closed it on me. It's not due to fall off my CR for a few years so the age is definitely helping me out.

Starting Score: TU 723, EQ 708
Current Score: TU 796, EQ 743
Goal Score: TU 800, EQ 800


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Starting Score: 708
Current Score: 743
Goal Score: 800


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Established Contributor
fevmlo
Posts: 640
Registered: ‎03-28-2008
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Re: GEMB CC CLI Question


Uniqua wrote:
Fevmlo, you can use the card at both stores?

I remember having a Children's Place store card. Once my son grew out of the clothes, I stopped shopping there. If I knew then what I know now I would have kept using the card to buy items for my great nephews and great nieces and birthday gifts for the children of friends. I just let the card sit until they closed it on me. It's not due to fall off my CR for a few years so the age is definitely helping me out.
Oh, duh, I probably can't use the gift card anywhere but Banana Republic (must check that - good catch!), but the store card itself can be used at Banana Republic, Gap & Old Navy. I opened it when I bought some stuff at Banana Republic and then took the printout they gave me with the account number on it down the street to Gap and bought a few more things for good measure! :smileyhappy:

 

EQ: 723 / TU: 760 (August 2009)

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