Reply
Frequent Contributor
moonman
Posts: 293
Registered: ‎05-01-2007
0

Re: GEMB CLI timelines?

I have  a Chevron card(cli last week) a Dillards card and a Walmart card(too which i just got a cli after my fourth payment ) and every one of them i get cli's after every fourth payment. as a matter of fact, i have not used my dillards card in over a year and  hit the luv button and still got a cli. i guess YMMV with them but this held true for me everytime and i have had these accounts for a few years now.

Regular Contributor
konabill
Posts: 118
Registered: ‎12-09-2009
0

Re: GEMB CLI timelines?

OK, I just hit the "request an increase" button on my Walmart card ( 6 month old GEMB card) and received the following message:

                            

                               "We apologize for the inconvenience, but we cannot process a credit limit increase online for this account.

                                We are not able to process your request online at this time. Please contact customer service."          

 

 Is this common? It does not appear to be a denial. Any ideas?




TU 802 EQ 806
*USAA*PENFED*NFCU*AMEX*DISCOVER*CiTi*WALMART*BESTBUY*
Frequent Contributor
ralbusta
Posts: 309
Registered: ‎04-07-2008
0

Re: GEMB CLI timelines?

I just got a cli on my amazon store card from $1200 to $1450. Not a lot but I just opened the card in Nov.

 

 I put about $600 thru it in that time and made 3 payments, but 4 statements have cut, if that helps.

Valued Contributor
MrShush
Posts: 1,412
Registered: ‎04-18-2008
0

Re: GEMB CLI timelines?

So I get my letter:

 

GE MONEY BANK has reviewed your request to increase the amount of credit or to make additional purchases on your Sam's Club DIscover account.


At this time, we are unable to approve your request due to insufficient experience at your current credit limit.

 

Blah blah blah.

 

This is sort of funny as I've had the card about 11 months and I've had my current credit limit since the beginning of December. I don't carry a balance and I use the card sporadically. Seems there is no hard and fast rule with GEMB.

Valued Contributor
tray
Posts: 1,459
Registered: ‎01-29-2008
0

Re: GEMB CLI timelines?


MrShush wrote:

So I get my letter:

 

GE MONEY BANK has reviewed your request to increase the amount of credit or to make additional purchases on your Sam's Club DIscover account.


At this time, we are unable to approve your request due to insufficient experience at your current credit limit.

 

Blah blah blah.

 

This is sort of funny as I've had the card about 11 months and I've had my current credit limit since the beginning of December. I don't carry a balance and I use the card sporadically. Seems there is no hard and fast rule with GEMB.


I recieved the same comment when a requested an increase on my walmart cc, I have had the card for 4 months now pay multiple payments every month, and spend alot of money in this store, what a phony comment from GEMB just say no cli at this time well all I can say now, my other credit cards will be getting more business


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
New Contributor
MarkRabo
Posts: 66
Registered: ‎08-30-2008
0

Re: GEMB CLI timelines?

I received my Walmart Discover in June 2008.  I got my first CLI in December 2008, then my next in August 2009 and my third in March 2010.  I've never been able to get a CLI at 4 months after the previous one, but 6-8 months usually works (for reasons unknown to me).


Starting Score: 677 EQ (1/21/09)/705 TU (1/21/09)/714 EXP (1/21/09)
Current Score: 707 EQ (9/21/10)/720 TU (3/27/10)/Darn you EXP
Goal Score: 720 on all three by end of 2010


Take the FICO Fitness Challenge
Valued Contributor
MrShush
Posts: 1,412
Registered: ‎04-18-2008
0

Re: GEMB CLI timelines?

I guess I'll wait it out. 1 year will be in June so I may try then. I don't need it, but I think now I'm more interested in getting as many lines as I can to 10K or more.

Regular Contributor
favor4me2
Posts: 138
Registered: ‎03-05-2008
0

Re: GEMB CLI timelines?

[ Edited ]

I have three GE cards, Walmart, Chevron Visa and Dilards. I get  regular increases every four months from Walmart and Dilards but I can't seem to get an increase from Chevron. I hit the luv button at 4 and 6 mos and always the response is not enough experience at the current amount. I hit the luv button again and they had the nerve to tell me that they denied it because of information on my cr stating BK. I'm confused because I had the BK when I was approved for all of their cards.

Moderator Emeritus
beamMEup
Posts: 4,473
Registered: ‎12-31-2008
0

Re: GEMB CLI timelines?


favor4me2 wrote:

I have three GE cards, Walmart, Chevron Visa and Dilards. I get  regular increases every four months from Walmart and Dilards but I can't seem to get an increase from Chevron. I hit the luv button at 4 and 6 mos and always the response is not enough experience at the current amount. I hit the luv button again and they had the nerve to tell me that they denied it because of information on my cr stating BK. I'm confused because I had the BK when I was approved for all of their cards.


HI favor,

 

If I remember right, Chevron put up a BK comment on their website sometime in the last year or so - so their policy may have changed since you opened your card.  Good news is they're not making it retro-active!

 

My Dillards card also does CLI's at four months - I asked a month early and no-go.  Waited a month til the four months hit and got a nice CLI.  They did do a hard pull after the Feb 22 card law was enacted.

Just puttin' syrup on something, don't make it pancakes.
Established Contributor
jefftca925
Posts: 693
Registered: ‎08-14-2008
0

Re: GEMB CLI timelines?

I just tried on my Gap Visa last night and it wouldn't go through.  I opened the acct in Jan 2010 and have used it every month for small purchases and PIF.  Just got my 4th statement so I thought it would work.  Looked back in my history and for some reason they don't show any transactions for my first month...hmmm.

CCs: Chase Freedom VS 6.9k, CSP VISA Sg 7k, BofA Amex 12.5k, Discover 10.5k, US Bank Cash+ Visa Sg 12.5k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom VS 10k, Amex Zync, Costco Amex 12k, BofA CR VS 17k, Amex BCP 9.5k, Amex ED 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 4k, NFL Visa 4k, Patelco Visa 10k, Penfed PR VS 44.6k, Chase United VS 13k, Chase Marriott VS 8k, Citi Simplicity 13.3k, PayPal MC 5k, Compass Visa 4k, WF VS 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 13.3k, Capital One QS Visa 11k, FRN MC 13.5k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Barclay Arrival 10k, Ebates VS 8k, Orbitz VS 9k, NASA V 30k, USBk FP VS 17k

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}