No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Hello,
I got my walmart card 2 months ago with a $400 limit
My first statement cycle closed 2 days after i got my card so i got a $0 balance and no statement
In my second cycle, i used the card once for $59 and PIF after i got the statement, and $59 was reported to all agencies.
Last week i called underwriting to give it a try for CLI, and told them i want to buy some electronics with the 18 no interest rate and we are in the holiday season....
anyway i obviously got denied
Now my question is: How much should i use my card every month to get the best chances for a CLI in the future ?
When will i hit the 4 months ? After my 4th or 5th statement ? because the first month i didn't use the card (only 2 days in the statement cycle )
Does that month counts in my case or not ?
Please advice me from personal experience
@pat0812 wrote:Hello,
I got my walmart card 2 months ago with a $400 limit
My first statement cycle closed 2 days after i got my card so i got a $0 balance and no statement
In my second cycle, i used the card once for $59 and PIF after i got the statement, and $59 was reported to all agencies.
Last week i called underwriting to give it a try for CLI, and told them i want to buy some electronics with the 18 no interest rate and we are in the holiday season....
anyway i obviously got denied
Now my question is: How much should i use my card every month to get the best chances for a CLI in the future ?
When will i hit the 4 months ? After my 4th or 5th statement ? because the first month i didn't use the card (only 2 days in the statement cycle )
Does that month counts in my case or not ?
Please advice me from personal experience
GE gives CLI auto usually between 2-4 months, but possibly 6... you should start requesting after 4 but maybe 6 if you don't get an auto.
GE likes TONS OF USE!!!!
@CruzImperial wrote:
I used my card lightly like you and got auto cli at the end of second month.
Usually a cli is ready to be requested after 4-6 months. They do give 1% cash back so purchasing anything that does not earn you a higher cash back than that in other cards will increase usage likely cls when requested.
This is only for the Discover
| Chase Freedom $9500 DCU Visa $10000 Capital One QS $2000 AMEX BCE $3000 | Lowe's CC $8500 WalMart CC $3100 BOA Platinum $600 AMEX Gold NPSL |
@kevinjjc wrote:
For Walmart Discover card:
Up to $1,500 = 0.25%
$1,501 - $3,000 = 0.50%
Over $3,000 = 1.00%
Agreed. The "rewards" on this card are abysmal. The only reason to get it, IMO, is the free monthly TU FICO score
@pat0812 wrote:Hello,
I got my walmart card 2 months ago with a $400 limit
My first statement cycle closed 2 days after i got my card so i got a $0 balance and no statement
In my second cycle, i used the card once for $59 and PIF after i got the statement, and $59 was reported to all agencies.
Last week i called underwriting to give it a try for CLI, and told them i want to buy some electronics with the 18 no interest rate and we are in the holiday season....
anyway i obviously got denied
Now my question is: How much should i use my card every month to get the best chances for a CLI in the future ?
When will i hit the 4 months ? After my 4th or 5th statement ? because the first month i didn't use the card (only 2 days in the statement cycle )
Does that month counts in my case or not ?
Please advice me from personal experience
I use my card on a regular basis grocery especially i get a increase every 3 to 4 months i would suggest using the card every month and paying it off instead of using it every other month or every 3 months this is from my personal experience.
Do you have to let it post a balance or can you use heavily and pay in full monthly for the same result?