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Valued Contributor
beb86
Posts: 1,117
Registered: ‎10-31-2011
0

Re: How to use your walmart card to get CLI ?

I would let it post for 1 statement and then pay it down since next time it reports your UTIL will have rebounded 

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Senior Contributor
jsucool76
Posts: 3,559
Registered: ‎12-11-2011
0

Re: How to use your walmart card to get CLI ?

I always let my GE cards report a balance, otherwise a statement doesn't generate amd I have heard of people getting denied CLIs due to "not rnough experience and current credit limit" because no statements have generated. Obviously others have gotten CLIs without reporting balances, but im in the garden so I don't mind if my score drops a few points.
Regular Contributor
gijoe4500
Posts: 232
Registered: ‎05-12-2010
0

Re: How to use your walmart card to get CLI ?


jsucool76 wrote:
I always let my GE cards report a balance, otherwise a statement doesn't generate amd I have heard of people getting denied CLIs due to "not rnough experience and current credit limit" because no statements have generated. Obviously others have gotten CLIs without reporting balances, but im in the garden so I don't mind if my score drops a few points.

I'm one of those people.  I haven't had a statement generate since the spring, because I never let a balance report.  That's going to change though.  I'm going to make my walmart card my 1-9% reporting card, and keep everything else paid off.  A tank of gas each month should cover it.

Last Hard Pull 05/24/2013

Starting Score: MyFico TU: 621 EQ: 610
Current Score: AmEx EX: 700 Walmart TU: 711 EQ: 699
Goal Score: 700's baby! (made it 4/10/2013!)
New Goal: 740!!


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Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: How to use your walmart card to get CLI ?

this is all true. 

ive had my card since end of july and still dont have a statement. 

asked for a cli and was denied by the system but asked to be manually reviewed and was approved 800 to 3k. 

no discover version yet though. 

Current: Discover Fico 689 9/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000

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