Reply
Frequent Contributor
Posts: 473
Registered: ‎04-09-2012
0

Re: No more GECRB/Walmart Love for me this year....

I have a Walmart card, a Belk store card and a Paypal Extras MC through GE.  I called and got increases on the Walmart card and Belk card in August and opened the Paypal account that same month.  A couple weeks ago, I called and tried to get CLIs on all three cards (even though I was a month shy of the recommended four months) and got denied with all of them saying something to the fact that I haven't established enough time with the current limits I have.  Then, yesterday, I logged into my Paypal card account and saw that they did an auto CLI on the card from $2000 to $3000. My Walmart and Belk limits are the same.  I'll try again at the end of December for increases on all three cards.  I am going to try for $4000 on the Walmart card (currently at $2000), $2000 on the Belk card (currently at $1000) and $5000 on the Paypal MC, which leave me plenty of room for negotiating if they want to counteroffer.

 

If it hasn't been four months since you last got an increase, definitely try waiting the four months.  If it has, wait a couple of months and try again.  I always pay in full every month and very rarely ever put more than 10% on a card at any time, so you may want to make sure your utilization as low as possible.  Good luck!

Barclays USAir World MC $8300 - DCU $7500 - USAA World MC $7000 - PayPal Extras MC (GE) $5500 - Chase Saphire Preferred $5000 - Discover It $6000 - Barclays Sallie May $2700 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $500-$9500
Established Contributor
Posts: 680
Registered: ‎04-20-2012
0

Re: No more GECRB/Walmart Love for me this year....

[ Edited ]

Thanks everyone, I was just hoping to end this year on the best note possible, I accomplished alot this year, and next year i hope to do even more!

Discover IT TU Score: 739 as of 4/20/14 | TU Score as of 1/5/14 - 710 | EQ Score as of 1/5/14 - 748 | Ex Score as of 1/5/14 - 728

Capital One QuickSilver MC $4.5K | Amazon $1.8K (CLOSED) | Walmart $5K | Paypal SC w/Debit card $5K (CLOSED) | BOA 123 Cash Rewards Sig $5K | BOA BBR $1K | Discover IT $10K | AMEX Sr Green Charge (NPSL) | PNC CashBuilder $1.5K | Paypal Extras MC $6k | PNC Auto Loan $20,038.75 | AMEX SimplyCash Biz CC $3k | BOA Cash Rewards Biz CC $3.5K | Chase Freedom $4.5K | CapOne Spark BIZ Cash Select Visa Sig $5k |
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

Re: No more GECRB/Walmart Love for me this year....


linux007969 wrote:

Thanks everyone, I was just hoping to end this year on the best note possible, I accomplished alot this year, and next year i hope to do even more!


 

Hear, hear!!! :smileyhappy:


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
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.