JCPenney $1500 CLI

Anonymous · ‎11-14-2009

This was one of those "app'ers remorse" deals. We did school shopping earlier this year at JCPenney and did the app for 10% in addition to the sales they were having.

Initial CL: $350 (I have 6 kids and the bill was around $1200). Anyway, put $279 on the card then PIF and never used again. Last week they gave a $1500 CLI. I guess they hope I'll do some Christmas shopping with them if they give me more credit. Been about 4 months since I opened it.

DeeBee18 · ‎11-16-2009

Did you use JCP's Luv Button? Or was this an automatic CLI? Reason I am asking is because I've had my JCP card for 7 years and I still have the initial $300 CL since I opened the account.

Officially a Homeowner 6/1/12

Jun' 2012 EX 737 (thru lender) ; Mar '12 EQ 746; July '12 TU 773

Chase Freedom - 6.5k; Amex Zync - NPSL; Ashley's GEMB - 5.5k; Barclay's Rewards MC - 1.5k, JCP - 1k; Macys - 2k; Chase Slate - 7k (AU on DH card); US Bank Cash+ - 9.5k

Anonymous · ‎11-16-2009

Oh, sorry about not giving that detail....I hit the LUV button because it annoys me to see that silly little CL on my CR's.....LOL.

Anyway, they gave my sone a $1350 CLI same week (he had $150 CL prior and only had the account for 5 months and is only 21).

Anonymous · ‎11-17-2009

@DeeBee18 wrote:
Did you use JCP's Luv Button? Or was this an automatic CLI? Reason I am asking is because I've had my JCP card for 7 years and I still have the initial $300 CL since I opened the account.

Do you have the Luv button? I would definitely hit it, I hit mine the same week I got my card and was told I have to wait 4 months before I can get an increase, but from what I have seen posted here, it seems like almost everyone gets something every 4 months from them.

Anonymous · ‎11-17-2009

If you have kept the account in good standing and your credit in general didn't take a huge nose dive (new derogs, etc.) then you should get a CLI at 4 months, but not sooner. ( originally I tried immediate CLI because the CL was so low...got the 4 month message as well).

Anonymous · ‎11-17-2009

I just got a CLI from JCPennys as well. My initial CL was a measly $100. I hit the luv button and got approved for a new CL of $1,500. Did this for my wifes' Pennies card also. Same exact deal....$100 to $1,500. Opened them in June '09.

Anonymous · ‎11-17-2009

Their prepin' for Christmas season

Anonymous · ‎11-17-2009

@Anonymous wrote:
Their prepin' for Christmas season

Yep they sure are. I'll tell you what though....I would have never even considered pursuing a CLI with this card given what I have read about it. Hats off to you for tipping off all of us who have this card.

Anonymous · ‎11-17-2009

NP. Glad it worked out for you too.

I have found that something that interests me, usually will interest more than just me.

so share the info when you get some!

Hairy_Satchel · ‎11-17-2009

Thanks for the info. I just hit the JCP luv button and got a $1000 cli. Mine sat at $500 forever and within the last year it has been raised to $2400. Now if they would only lower the 22% apr to something a little more sane.