Posts: 117
Registered: ‎01-14-2012

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- 772 (09/20/14)
Goal Score: 780+ All Three

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Established Contributor
Posts: 858
Registered: ‎07-17-2012

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. 

EX - 657 (MyFico 10/02/14) TU - 657 (Walmart 11/08/14 ) EQ 04 - 701 (DCU -11/28/14) EQ 08 - 684 (MyFico -12/04/14)
Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012

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| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k

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