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No Cli luv from BB and Walmart:(

Established Member

No Cli luv from BB and Walmart:(

Hello all, I love this website first and foremost. I got my updates finally after paying my cards down and got util to 17 percent, and my scores are now experian 718, Transunion 689, and Equifax 677. I got a citi preferred, 1200 limit with zero balance, citi thank you 4000 limit 1000 balance, citi diamond 4000 limit 200 balance, paypal smart connect 1750 with a 400 dollar balance, dillards amex 1000 limit with 0 balance, chase freedom 1500 limit 0 balance, escape by discover 1750 limit 0 balance, amazon credit 2400 limit 30 dollar balance, best buy mastercard 1856 limit 0 balance, and 2 capital ones one 750 one 1500 and I plan on getting rid of them. I would like an American express BCE, Bank of america, or another chase maybe saphire or preferred. after reading this website I decided to try to get clis because I rarely got them. I had a hit to my credit in october because of a funeral i had to pay for but paid it all off. I got denied by walmart, best buy rewardszone, and amazon. Dillards increased me by 1000. I wanted to know should I keep asking for clis and take the inquiries or try new cards or just get denied? I think the only thing thats hurting me is inquries, I got a new car in september and i have 13 inq for transunion, 6 of them from september when i applied for my car loan, and 9 on equifax 3 of them being from auto loan dealers. I  need help Smiley Sad what other cards could I get? I dont plan on having all of these, i want to get rid of the capital ones, best buy, and dillards and have my new ones.

I want to be in the 700s again!
Message 1 of 13
12 REPLIES
Established Member

Re: No Cli luv from BB and Walmart:(

I also have had capital one since may 2008 and this month im coming up on 3 years for my citi, i got the discover card and the other 2 citi cards this year in april.

I want to be in the 700s again!
Message 2 of 13
Valued Contributor

Re: No Cli luv from BB and Walmart:(

Look for some backdoor number. Most of ppl get through that route. They are higher level of CSR.

Keep us updated.


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 3 of 13
Established Member

Re: No Cli luv from BB and Walmart:(

I called amazon because I couldnt do it online and got denied, and walmart gave me 1500 from 1100, online. I called and recon for higher and got denied. I dont even know why I tried best buy, when I got my new card from best buy and it said it was owned by capital one now, I knew it was over for limits. If I can get a better chase or bank of america or american express, I will be fine, I dont want to get rid of my capital one cards until im approved for those. 

I want to be in the 700s again!
Message 4 of 13
Valued Contributor

Re: No Cli luv from BB and Walmart:(

Paragraphs. I like them.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 5 of 13
Valued Contributor

Re: No Cli luv from BB and Walmart:(


Duncanrr wrote:
Paragraphs. I like them.

Smiley Very Happy

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 6 of 13
Frequent Contributor

Re: No Cli luv from BB and Walmart:(

time is what you need. Do not apply for any cards or cli. Garden for at least 6 months you have quite a few inquiries and that is a negative to the credit card companies!

Message 7 of 13
Established Member

Re: No Cli luv from BB and Walmart:(

It was really long, im sorry lol

I want to be in the 700s again!
Message 8 of 13
Valued Contributor

Re: No Cli luv from BB and Walmart:(

Smiley Wink. No problem. I'm reading on iPhone right now and block texts are kind of a pain.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 9 of 13
Established Member

Re: No Cli luv from BB and Walmart:(

Okay, but I was reading some of the other posts and some people have more inquiries and still get approved. but I gyess its a ymmv situation. Plus, I thought that when someone applies for an auto loan, a bunch of inquiries are grouped as one.

I want to be in the 700s again!
Message 10 of 13