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Regular Contributor
Posts: 187
Registered: ‎04-28-2012

I <3 the Walmart Card!

[ Edited ]

As if that hasn't been said here enough already!


I'm getting ready to apply for a mortgage.  As such, I'm trying to better my utilization.  Although I have no balance on any of my other cards, I'm currently close to 90% on my Walmart card.  I know, I know ... I need to pay this off and I have a plan to do so.  In the meantime though, I wanted to see if they'd give me a CLI (I was hoping they could double my current CL).  So I held my breath and called the backdoor number.  After verifying my identity and providing my income, he asked if I'd hold while he looked over my account.


I held my breath for at least 2 minutes of the worst elevator music ever.  When he came back, there was a pause and I was expecting him to offer an apology as to why they couldn't grant my CLI request.  BUT ... instead he offered his congratulations!  They doubled my limit!!!  Woo Hoo :-)



(*edited to fix a typo -- I was too excited while typing)

I used to post my scores here. However, I'm prone to motion sickness and the ups and downs were nauseating.
Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012

Re: I <3 the Walmart Card!

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Posts: 30,743
Registered: ‎02-07-2013

Re: I <3 the Walmart Card!


Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Established Contributor
Posts: 591
Registered: ‎05-05-2012

Re: I <3 the Walmart Card!

Yay! Congrats!
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Valued Contributor
Posts: 2,802
Registered: ‎10-10-2012

Re: I <3 the Walmart Card!

That's great, Congrats! I am close to requesting my first Walmart CLI within the next month.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Posts: 27,204
Registered: ‎09-13-2012

Re: I <3 the Walmart Card!

Frequent Contributor
Posts: 341
Registered: ‎08-14-2012

Re: I <3 the Walmart Card!

Good to know they do CLIs even while the card is maxed. I'll keep that in mind. When the CSR put you on hold, for what reason did he do so? Was the CLI a SP as well? And congratulations btw...Smiley Happy

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Regular Contributor
Posts: 187
Registered: ‎04-28-2012

Re: I <3 the Walmart Card!

I couldn't have done it without all of the advice from all of the fabulous fico folks that post on thest boards!


It was a soft pull (I asked).  He put me on hold while he reviewed my credit report.  Even though my Walmart card had a large balance, my 3 other cards did not.  There have been significant improvements to my credit since I got the card.  I got the card at the end of November, called that very day for a CLI (doubled from $300 to $600).  Then I called today for another CLI (doubled from $600 to $1200).  Each time I asked for a double CLI, they agreed.


It was only after reading the advice of others that I had the knowledge and the courage to get this card, access the TU Fico they offer, and make it work for me.  Thank you to everyone who's ever posted helpful advice about Walmart and other GE cards.

I used to post my scores here. However, I'm prone to motion sickness and the ups and downs were nauseating.
Valued Contributor
Posts: 1,084
Registered: ‎02-06-2013

Re: I <3 the Walmart Card!

GratZ, Good ole GE.

259/21001600/16002400/25002000/2000,2013 Scores (Initially none cause I had no credit at all then TU:519 Recent scores:FICO EX 632,EQ 635,TU 659....Link to my Rebuild Log
New Visitor
Posts: 320
Registered: ‎08-13-2011

Re: I <3 the Walmart Card!

Nicely done....Congratulations.....Next step is to bring down the Util Smiley Happy

Starting Score: 500s
Current Score: EQ: 700myFICO(9/7/12), TU: 710myFICO(9/2/12), EX Plus:701(lp,4/16/12)
Goal Score: 700

Wallet: Discover IT $20300, Capital One Platinum $15000, Barclays Rewards $5700, Walmart $6000, Amazon Store Card $6000 Chase Sapphire Preferred $5000, Bank of America Cash Rewards $500.
Keep the Hearth of your Thoughts Pure, by so doing you will be Happy and bring Peace!

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