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Valued Contributor
trumpet-205
Posts: 2,494
Registered: ‎11-11-2010
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JCPenney Approved - But low limit.

Just pulled the trigger and apped for a JCPenney card. Approved for CL $200. Wonder how long does it take for it to grow.

 

 

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Valued Contributor
vish1
Posts: 1,129
Registered: ‎01-20-2011
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Re: JCPenney Approved - But low limit.

 


trumpet-205 wrote:

Just pulled the trigger and apped for a JCPenney card. Approved for CL $200. Wonder how long does it take for it to grow.

 

 


JCP is GEMB, they grow upto 1500 or so very quickly. You can get a CLI every 3-4 months. (not sure if its 3 or 4). My JCP grew from 300 to 1800 in abt 8 months and thats where its now.

 

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
Frequent Contributor
joestay
Posts: 374
Registered: ‎01-08-2010
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Re: JCPenney Approved - But low limit.

 


trumpet-205 wrote:

Just pulled the trigger and apped for a JCPenney card. Approved for CL $200. Wonder how long does it take for it to grow.

 

 


Congratz

 

Moderator Emeritus
beamMEup
Posts: 4,473
Registered: ‎12-31-2008
0

Re: JCPenney Approved - But low limit.

GEMB historically grants CLI's after every fourth statement if you call and request a CLI.  JCPenney grows nicely.

 

Congrats!

Just puttin' syrup on something, don't make it pancakes.
Regular Contributor
RayRocks
Posts: 158
Registered: ‎03-21-2011
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Re: JCPenney Approved - But low limit.

I had an open $200 line with them dating back to 2001. Totally forgot about it until I pulled my credit report.

 

Called them and asked them for a CLI stating that I would start to again use the card. They declined me!

 

So, I told them to close the account! That may have "dinged" my by a point or two from the aging perspective though...

 

Oh well...

 

Ray

Current Goals:

830 FICO / ** GARDEN ** / Pay off one remaing card.

** Every Card Has a Job and Every Card Does Its Job **
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Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
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Re: JCPenney Approved - But low limit.

 


RayRocks wrote:

I had an open $200 line with them dating back to 2001. Totally forgot about it until I pulled my credit report.

 

Called them and asked them for a CLI stating that I would start to again use the card. They declined me!

 

So, I told them to close the account! That may have "dinged" my by a point or two from the aging perspective though...

 

Oh well...

 

Ray


 

Closed accounts normally report for ten years after closing before falling off. As long as they show on your reports, whether open or closed, they're counted in your history. So no ding until 2021. :smileywink:

 

(Unless you needed that CL to help your util, and now your reported util would be higher.)

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Regular Contributor
RayRocks
Posts: 158
Registered: ‎03-21-2011
0

Re: JCPenney Approved - But low limit.

Totally forgot about that!    :smileysad:

 

Thanks for the reminder!!!

 

Ray

Current Goals:

830 FICO / ** GARDEN ** / Pay off one remaing card.

** Every Card Has a Job and Every Card Does Its Job **
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: JCPenney Approved - But low limit.

 


trumpet-205 wrote:

Just pulled the trigger and apped for a JCPenney card. Approved for CL $200. Wonder how long does it take for it to grow.

 

 


Congrats! I just got approved for one a little over a week ago, with the same $200 CL. I guess we'll get to watch them grow together. :smileywink:

 


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
Valued Contributor
trumpet-205
Posts: 2,494
Registered: ‎11-11-2010
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Re: JCPenney Approved - But low limit.

 


tinuviel wrote:

 

Congrats! I just got approved for one a little over a week ago, with the same $200 CL. I guess we'll get to watch them grow together. :smileywink:

 


 

Yes we will. :smileyvery-happy:

 

So is CLI auto, or do you have to request it?

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Valued Contributor
vish1
Posts: 1,129
Registered: ‎01-20-2011
0

Re: JCPenney Approved - But low limit.

I got my first CLI from 300 to 1500 automatically after about 3-4 months (not sure 3 or 4) and then the next one 1500 to 1800 I requested online...

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)

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