Credit Cards Center Credit cards from our partners
Reply
Regular Contributor
Posts: 187
Registered: ‎04-28-2012
0

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
0

Re: I <3 the Walmart Card!

Congrats!
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 | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Community Leader
Senior Contributor
Posts: 27,675
Registered: ‎02-07-2013
0

Re: I <3 the Walmart Card!

Congratulations 

+ Chase ink =




Established Contributor
Posts: 591
Registered: ‎05-05-2012
0

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: 2,789
Registered: ‎10-10-2012
0

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 816 EX 780 TU 823
App free since 4/11/13
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: I <3 the Walmart Card!

Frequent Contributor
Posts: 341
Registered: ‎08-14-2012
0

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
0

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: 1,083
Registered: ‎02-06-2013
0

Re: I <3 the Walmart Card!

GratZ, Good ole GE.

259/21001600/16002500/2500200/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632.. If youlike this could you please give me a kudo by clicking that blue button over to the left? Thanks.Link to my Rebuild Log
Frequent Contributor
Posts: 271
Registered: ‎08-13-2011
0

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: 693myFICO(9/7/12), TU: 710myFICO(9/2/12), EX Plus:701(lp,4/16/12)
Goal Score: 700

Wallet: Discover IT $5000, Capital One Platinum $15000, Barclays Rewards $5700, Walmart $6000, Amazon Store Card $6000.
Keep the Hearth of your Thoughts Pure, by so doing you will be Happy and bring Peace!
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.