Credit Cards

[compassion101]

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gijoe4500 wrote:

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MyCreditSucksTheMost wrote:

After only 50 days with my walmart card they doubled my limit to $1000. I'm so excited, this will cure my app itch for awhile.

So, I will continue to garden, and grow...

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Hearing stuff like that irks me.  I've had my walmart card, with flawless history, for like 4 or 5 years.  And I'm only at a $700 limit.  They shoot me down for CLIs, even though I have another GE card at $2000.  I need to call their underwriting, and see what the deal is.  My TransUnion FICO is around 670.

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I'm sure they will hand out CLIs on recon fairly liberally around christmas season esp if they have 0% APR attached to it. Stores like walmart, amazon, other retail store cards.

[gijoe4500]

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compassion101 wrote:

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I'm sure they will hand out CLIs on recon fairly liberally around christmas season esp if they have 0% APR attached to it. Stores like walmart, amazon, other retail store cards.

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I'm hoping so!  It isn't really going to affect me any if i'm denied, but it would still be nice to get some higher limits.

[webhopper]

I'm planning on using my chase card for Christmas... or maybe amex who knows!

[creditnocash]

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gijoe4500 wrote:

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compassion101 wrote:

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I'm sure they will hand out CLIs on recon fairly liberally around christmas season esp if they have 0% APR attached to it. Stores like walmart, amazon, other retail store cards.

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I'm hoping so!  It isn't really going to affect me any if i'm denied, but it would still be nice to get some higher limits.

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id just call the backdoor number and ask for somebody in underwriting. 

for a card for 4 to 5 years. if it didnt go above 1k after 2 years id close it. 

(thinking about doing it at kohls) 

[Epcot]

Although a lurker for years, I am pretty new here. My last app was in february, so going 8 months strong. Love the idea of gardening! I am working on lowering my utilization as that is my biggest negative right now while resisiting the urge to app for a couple cards I have wanted but been denied in the past. Glad to be here!

[LesWH]

I have entered into the Garden.  Time for me to sit back and relax and watch my garden grow!

[gijoe4500]

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creditnocash wrote:

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id just call the backdoor number and ask for somebody in underwriting. 

for a card for 4 to 5 years. if it didnt go above 1k after 2 years id close it. 

(thinking about doing it at kohls) 

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Eh.  I'll just keep it sock-drawered in my safe, with or without the increase.  No reason to close it, if it isn't costing me anything.

[creditnocash]

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gijoe4500 wrote:

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creditnocash wrote:

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id just call the backdoor number and ask for somebody in underwriting. 

for a card for 4 to 5 years. if it didnt go above 1k after 2 years id close it. 

(thinking about doing it at kohls) 

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Eh.  I'll just keep it sock-drawered in my safe, with or without the increase.  No reason to close it, if it isn't costing me anything.

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ive been doing that. ive used it once or twice since july. and pif. 

but its an eysore to see a 400 limit when all others are at least double or more.

but as ive posted before my macys started as a 100 and is now a 3.5k so time and patience! 

plust the coupons arent that bad. 

[gijoe4500]

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creditnocash wrote:

ive been doing that. ive used it once or twice since july. and pif. 

but its an eysore to see a 400 limit when all others are at least double or more.

but as ive posted before my macys started as a 100 and is now a 3.5k so time and patience! 

plust the coupons arent that bad. 

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I honestly try to avoid shopping at Wal-Mart these days.

[Isanham]

Picked up my official Bronze spade!  Aiming for no INQ until 7/2014.  

Wish me luck.  I need to just stick to this thread and ignore the rest of the credit cards forum, for now.  You people here are a great support.  Thank you.