So, what is the consensus with GE CLI's?

crunching_numbers · ‎07-09-2012

I have seen 4 months and 6 months. There seems to be confusion all over the boards. What is the consensus on GE CLI's?

Is it 4 months?

Is is 6 months?

Is it different by card? (Sam's versus Carecredit versus ON....)

Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)

bamagirl1 · ‎07-09-2012

Hi!

For me it used to be every 4 months on all of the GE backed cards I have..Then it slowly moved to 6 months, now I have some recently that have passed 6 months and I'm wondering on those have I reached the cap of CL's for that particular card..

I've noticed lately with GE, it's YMMV..

~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??

Creditaddict · ‎07-09-2012

GE Reps tell you 6 months almost 90% of the time now, but I consistently see Auto CLI on here at 2.5-4 months but most requested CLI usually 5-8 months. I of course did not get ANY Auto CLI but I believe that to be because my reports were frozen at time.

crunching_numbers · ‎07-09-2012

Also, if I ask for a CLI and they say no, how long do you have to wait to ask again?

Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)

gettnthere · ‎07-09-2012

I think it is YMMV, BC I just recently received an auto cli on my GE backed American Eagle card after only 2 months of having the card

Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12

learnin113 · ‎07-09-2012

the 4 month CLI is no longer set in stone...strictly YMMV. I have several GE cards and now what used to be automatic CLIs vary from none to seeing my Gap Visa jump in as little as 6 weeks.

tcbofade · ‎07-09-2012

"Consensus"? Surely, you jest...

More than a year of GE accounts, NO luv for me. Ever.

Auto, requested, begged and pleaded for...nada.

GE seems to like a lower util than I have...

04/01/24 Fico 8: EX 763, EQ 799, TU 783.
Fico 9: EX 756 03/13/24, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...

kese · ‎07-09-2012

I dont carry balances in my card but still did nt get any increases.

@tcbofade wrote:
"Consensus"? Surely, you jest...

More than a year of GE accounts, NO luv for me. Ever.

Auto, requested, begged and pleaded for...nada.

GE seems to like a lower util than I have...

Starting Score: 598
Current Score: Trans union fico 713 (myfico 11/1/2012), EQ fico 671, exp 666 by AMEX
Goal Score: 720 across
In my wallet: GE/walmart at $10500, 2 capital ones at $750 each, Elan financial at $400, Amex BCP-$1000, AMEX Gold Delta at $2500, Discover more at $6,000 and Chase freedom at $3000

Take the FICO Fitness Challenge

JusdoNit · ‎07-09-2012

@Creditaddict wrote:
GE Reps tell you 6 months almost 90% of the time now, but I consistently see Auto CLI on here at 2.5-4 months but most requested CLI usually 5-8 months. I of course did not get ANY Auto CLI but I believe that to be because my reports were frozen at time.

+1

My increase pattern:

Tjx Mastercard opened in Oct.11@$800 then auto increase end of Dec to $1650 tthen increase end of june12 to $4200

Dillard's Amex opened end of Dec 11@1200 then auto increase end of Feb12 to $1700 then increase july to $4200

Walmart opened end of Dec 11@1800 then auto increase April 12 to $2600 but I think the last increase took a statement and a half to go on paper, but was online

Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800
If your outGo is more than your INcome than your UpKeep will become your downFALL.

Take the FICO Fitness Challenge

webhopper · ‎07-09-2012

We apologize, but we are currently unable to accept a request for credit line increases on line.
Please contact customer service for any credit line increase requests at the toll free number listed under Contact Us/Contact Information.

FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!