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Jcpenney card: Research

Regular Contributor

Re: Jcpenney card: Research

I just don't understand it... I can only get a $200 CL from GEMB, I try for CLI's and get the "You don't have enough experience at this credit level!" I have a PayPal extras card $4800, Sams Club Discover $3500, Walmart Discover $2300, Amazon $2800, Summit Racing $2000, Care Credit $8000.....So I have sock drawered it!



Starting Score: 675
Current Score: FICO- 777 (04/11/16)
Goal Score: 780+ All Three




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Message 11 of 13
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Valued Contributor

Re: Jcpenney card: Research

Approved for $200.00, scores in the mid 600s. From what I have read, it can grow over time so I'm going to work on that every 4 months and figure I should have the CL in the $2000+ range in a year or two. A little here, a little there, helps with the big numbers a few years from now. 

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500


EQ - 740 / TU - 748 / EX - 748
Message 12 of 13
Senior Contributor

Re: Jcpenney card: Research

You must have a four month PAYMENT HISTORY to get a CLI with GECRB.

 

I have a $4900 limit with JCP.

 

Got a $700 CL in 2009 with about a 630-650 score... then got a CLI to 1500 a year later, then 2900, then 4900.

 

Seems like they don't do CLI like other GECRB accounts. I also am at "Gold" level, but have always paid in full, except maybe a month or two. I've only rec'd cli on a sort of annual basis... between Nov and Jan usually. lol

TU Score is currently 696, and last time I tried for a CLI (maybe last month), JCP denied me LOL....

 

Go figure. I actually only use it at CVS for the most part unless I get that free $15 coupon for having "gold" status.

 

Good luck :-)

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
Message 13 of 13