Reply
Established Contributor
adavis425
Posts: 522
Registered: ‎02-14-2012
0

I know, I know....

that I said I was done apping after last weekend's successful mini-spree, but I just couldn't resist the 0.15 per gallon on gas (not to mention the free monthly score) at Wal-Mart with their card. So I apped in-store and got an instant approval for an $800 Walmart-Discover card. My question is this: On the little slip of paper with the info on it, it says "temporary credit line $800.00". Does this mean that it may be higher once the card comes in the mail? I was thinking of reconning for a higher limit. Although I only plan use the card for gas and as always, PIF (insane 22.9% apr), I would love the utilization room. Also, how generous are CLI? HP for CLI? Thanks guys!

AmEx Platinum | AmEx BCP | AmEx Delta Gold | CSP | Chase Freedom | NFCU cashRewards Visa Sig | NFCU Plat MC | WM MC | Discover it | JCP


Valued Contributor
jamesdwi
Posts: 1,892
Registered: ‎09-16-2011
0

Re: I know, I know....

forget about reconing the CL at the start, they don't do it, keep the card for 4 months, call and request a CLI they are very friendly with CLI's every 4 months, always a SP,  Congrats,  nice card most people start with the store version. 

 

 


Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Zync NPSL, Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Re: I know, I know....


adavis425 wrote:

that I said I was done apping after last weekend's successful mini-spree, but I just couldn't resist the 0.15 per gallon on gas (not to mention the free monthly score) at Wal-Mart with their card. So I apped in-store and got an instant approval for an $800 Walmart-Discover card. My question is this: On the little slip of paper with the info on it, it says "temporary credit line $800.00". Does this mean that it may be higher once the card comes in the mail? I was thinking of reconning for a higher limit. Although I only plan use the card for gas and as always, PIF (insane 22.9% apr), I would love the utilization room. Also, how generous are CLI? HP for CLI? Thanks guys!


that is your CL. As James said, they don't recon. Wait until your 4th stmt cuts and call for a CLI. 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Established Contributor
learnin113
Posts: 541
Registered: ‎12-02-2011
0

Re: I know, I know....


adavis425 wrote:

that I said I was done apping after last weekend's successful mini-spree, but I just couldn't resist the 0.15 per gallon on gas (not to mention the free monthly score) at Wal-Mart with their card. So I apped in-store and got an instant approval for an $800 Walmart-Discover card. My question is this: On the little slip of paper with the info on it, it says "temporary credit line $800.00". Does this mean that it may be higher once the card comes in the mail? I was thinking of reconning for a higher limit. Although I only plan use the card for gas and as always, PIF (insane 22.9% apr), I would love the utilization room. Also, how generous are CLI? HP for CLI? Thanks guys!


I apped in store and my slip of paper said 1k for Walmart Discover (I did not expect to get the Discover).  AND by the time i got the card, it was a 1.8K limit.  So you may see a bump when the card arrives.  YMMV.

Valued Contributor
Jazzzy
Posts: 2,679
Registered: ‎07-29-2009
0

Re: I know, I know....

My DH apped in store on Saturday. He got the Discover, and his limit on the little slip of paper was $3k for 24 hrs. We were curious as well as to whether this will be his actual limit when the card comes.

Established Contributor
CruzImperial
Posts: 867
Registered: ‎07-04-2012
0

Re: I know, I know....

Congrats! And just curious about the discounted gas prices,is that promo available at all gas stations?
Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Senior Contributor
jsucool76
Posts: 3,576
Registered: ‎12-11-2011
0

Re: I know, I know....

At all walmart and affiliated gas stations, it says which ones on the site, i think its just one otger brand mentioned. (You can also find it in the thread titled something like "save money on gas with your walmart card" on this board.

You CL may well be higher, they may give you a smaller limit to start with since you dont have the card yet, but I'm not entirely sure.
Established Contributor
adavis425
Posts: 522
Registered: ‎02-14-2012
0

Re: I know, I know....


CruzImperial wrote:
Congrats! And just curious about the discounted gas prices,is that promo available at all gas stations?

CruzImperial here is what I read:

 

Wal-Mart is offering a discount of 15 cents/gallon all fall long through Dec. 24 at any Wal-Mart gas station if you use a Wal-Mart money card or credit card. (A 10 cent/gallon discount applies if you want to use a gift card instead.)

 

Taken from here: http://www.clarkhoward.com/news/clarkhoward/cars/wal-mart-gas-promotion-runs-through-christmas-eve/n...

AmEx Platinum | AmEx BCP | AmEx Delta Gold | CSP | Chase Freedom | NFCU cashRewards Visa Sig | NFCU Plat MC | WM MC | Discover it | JCP


Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: I know, I know....


adavis425 wrote:

that I said I was done apping after last weekend's successful mini-spree, but I just couldn't resist the 0.15 per gallon on gas (not to mention the free monthly score) at Wal-Mart with their card. So I apped in-store and got an instant approval for an $800 Walmart-Discover card. My question is this: On the little slip of paper with the info on it, it says "temporary credit line $800.00". Does this mean that it may be higher once the card comes in the mail? I was thinking of reconning for a higher limit. Although I only plan use the card for gas and as always, PIF (insane 22.9% apr), I would love the utilization room. Also, how generous are CLI? HP for CLI? Thanks guys!


CONGRATS!!!

 

They are awesome with CLI's every 4th statement, just call in!

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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+
}