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JCP - 2 Months, Worth Trying For A CLI?

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masscredit
Valued Contributor

JCP - 2 Months, Worth Trying For A CLI?

My JCP account was opened the 3rd week of Sept with a $200.00 limit. Have given it use and PIF. Worth trying now or just wait until January?

Pre-Credit Rebuild Scores Pre-DC (3/24/22) - EQ - 524 / TU - 519 / EX - 495

Current Scores - EQ - 687 / TU - 663/ EX - 677

SDFCU Secured - $5000 / TD Bank - $5000 / Mercury - $5000 / Capital One Savor One- $5000 / Capital One QuickSiver - $4500 / Ally Master Card - $2800/ Walmart Mastercard - $2250

Andrews FCU SSL $1500
Message 1 of 12
11 REPLIES 11
nicholasyud
Valued Contributor

Re: JCP - 2 Months, Worth Trying For A CLI?

Maybe wait for 4 months then ask for what you really want except let them throw you  extra 100 or 200. You decided.

Starting Score: 560
Current Score: ?
Goal Score: 800
Message 2 of 12
tinuviel
Moderator Emeritus

Re: JCP - 2 Months, Worth Trying For A CLI?

I think that two months is too short a period of time; you'll likely receive a response of: "insufficient experience with your current credit level." When I first got my JCP card, it was also for a $200 limit. After 3-1/2 months, they automatically bumped me up to $1200. I would wait and see, and if you don't receive an increase by your fourth statement, go ahead and ask for one.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 3 of 12
RavenNation
Established Member

Re: JCP - 2 Months, Worth Trying For A CLI?

To be on the safe side I would wait about 6 months.
Message 4 of 12
tinuviel
Moderator Emeritus

Re: JCP - 2 Months, Worth Trying For A CLI?


@RavenNation wrote:
To be on the safe side I would wait about 6 months.

 

No need to wait that long. JCP is backed by GECRMB, and they are good about approving customer initiated CLIs every four months. Worst case is that they'll deny it, but the OP can simply try again later... asking won't hurt. But, I wouldn't expect one after only two months.

 


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 5 of 12
RavenNation
Established Member

Re: JCP - 2 Months, Worth Trying For A CLI?

That's why I said on the safe side. I never had a JCP card so I wouldn't know about their policies towards increases but to me a limit increase should come after 6 months of usage whether its a store card or a major card. That's why I said to be safe because to me it should be approved after 6 months.
Message 6 of 12
RonDawg
Contributor

Re: JCP - 2 Months, Worth Trying For A CLI?


@masscredit wrote:

My JCP account was opened the 3rd week of Sept with a $200.00 limit. Have given it use and PIF. Worth trying now or just wait until January?


I have had my account with them for a long time and my experience is you have to wait 3 billing cycles between each CLI request.

AMEX Platinum, AMEX Blue cash (10k), AMEX Delta (10k), US Bank Premier Line (14.5k), US Bank Cash + (7.5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (9.5k), Chase Sapphire Preferred (8k), Alerus Financial Visa Signature issued by Elan (10k), BofA Cash Rewards (10k), Citi Thankyou Pref (6.5k) TU FICO Score = 807, EQ FICO Score = 780, EX FICO Score = 780,
CreditKarma score = 785, CreditSesame score = 773, Vantage = 903
Message 7 of 12
LS2982
Mega Contributor

Re: JCP - 2 Months, Worth Trying For A CLI?

Go for it on the 4th statement cut. Make sure you use it some and PIF.




EQ FICO 548 3/3/16
Message 8 of 12
Cadillac-XTS
Established Contributor

Re: JCP - 2 Months, Worth Trying For A CLI?

+1

Message 9 of 12
pt2005
Regular Contributor

Re: JCP - 2 Months, Worth Trying For A CLI?

 


@masscredit wrote:

My JCP account was opened the 3rd week of Sept with a $200.00 limit. Have given it use and PIF. Worth trying now or just wait until January?


As others have said, you should wait at least 4 months. Also remember that JCP (or any other GE backed card) keeps an internal FICO score that they pull every 90 days or so. If you know when they soft pull you and make your timing right then n you have a very good shot at getting a good CLI.

 

I called them about a month ago knowing that their internal score has just refreshed. They told me they would need to hard pull CR. I said OK. Actually they never did because they have a fresh score in the system.

FICO Scores 8: EX 731, EQ 731, TU 725

Credit Cards: Chase Freedom 9.5K | AMEX TrueEarnings 4.5K | Cap1 Venture Visa 3.5K | Cap1 QS MC 3.5K | Discover IT 1K | Cap1 Spark Cash 15K | AMEX SimplyCash 9K

Store: PayPal SmartConnect 10K | JCP 5.2K | Banana 3.3K | Walmart 4.5K | Kohls 1.5K | TargetRED 200
Message 10 of 12
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