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Established Contributor
Posts: 932
Registered: ‎06-12-2012
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Re: Starting Limits All Over The Place - JCP $200.00

^+1 same here too. 6 cards in 3 months with CLs ranging from 300 to 9000. 

 

This is common for semi-prime folks who have a 620 to 680 FICO and are borderline approvals with recons involved. 

 

Eventually they will all grow and catch up to one another. Just keep up the good work.

JP Morgan Select $10k | Citi TY Premier $15k | PenFed PlatRewards $22k | BofA AMEX $15k | Chase Freedom $20k | Discover IT $10k | Barclay Arrival+ 25k | AMEX SPG $10k | NASA Platinum-Advantage $10k | CapOne Quicksilver $5k | Amazon Card $10k | NASA PLOC $30k @ 8.25% | Joined myFICO 6/12 with a 540 FICO & today I'm over 750!
Super Contributor
Posts: 5,900
Registered: ‎12-11-2011
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Re: Starting Limits All Over The Place - JCP $200.00


Jlu wrote:

^+1 same here too. 6 cards in 3 months with CLs ranging from 300 to 9000. 

 

This is common for semi-prime folks who have a 620 to 680 FICO and are borderline approvals with recons involved. 

 

Eventually they will all grow and catch up to one another. Just keep up the good work.


Especially those GE cards. I've seen people go from like $150 to like $999,999,999.99 in like...a year Smiley Tongue I exaggerate but their CLI policy is pretty bangin Smiley Very Happy 

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New Contributor
Posts: 65
Registered: ‎09-22-2012
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Re: Starting Limits All Over The Place - JCP $200.00

I agree about the GE comment; happens moreso with my WalMart card. I've had it for 13 months, started with $600>>$800>>$2000>>currently at $3000. THANK YOU GE!

EX -682
EQ -658
TU -663
Regular Contributor
Posts: 237
Registered: ‎07-13-2012
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Re: Starting Limits All Over The Place - JCP $200.00

For the (GE) cards, is it better to initiate a CLI after the 4th statement cuts or wait for them to send you love?  I think at this point, I now have a good foundation to build into prime territory by the end of next year.  

EX 638 (Lender 9/1) TA 650(Walmart 9/1) EQ 655 (FICO - 9/17)
Goal - 700 Club in '13!!!

My Wallet - Cap 1 - $300. Cap 1 - $750. Orchard - $950.
New as of 8/29 - Target - $3000. Barclay's - $2000. Merrick - $1000. Walmart $600. And as of 9/22 - JCP $200.
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Starting Limits All Over The Place - JCP $200.00


creditdreamera wrote:

I agree about the GE comment; happens moreso with my WalMart card. I've had it for 13 months, started with $600>>$800>>$2000>>currently at $3000. THANK YOU GE!


Very nice!!! I'm hoping in Nov. I can break the 3K mark with mine, maybe even a Discover upgrade offer!

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Starting Limits All Over The Place - JCP $200.00


pozativelyliving wrote:

For the (GE) cards, is it better to initiate a CLI after the 4th statement cuts or wait for them to send you love?  I think at this point, I now have a good foundation to build into prime territory by the end of next year.  


Definitely request it every 4 months, they will auto CLI but its not a guarantee.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
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Frequent Contributor
Posts: 375
Registered: ‎01-20-2012
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Re: Starting Limits All Over The Place - JCP $200.00

From my GE app spree a couple of weeks ago. All apps within 1 hour online, the order below is the order I app'd:

 

Walmart $1000

Lowe's $500

Amazon $800

JCP $200

 

Seems JCP is probably the one that tends to start with the lowest limit based on what mine was compared to the others, as well as what I've been reading here about starting JCP limits. Then again, maybe they were just tired of me applying by the time the JCP rolled around.

 

Each card has a specific purpose--the JCP will probably only ever be used at CVS, but maybe if the limit grows I'll use it for re-decorating my daughter's room. But $200 just isn't going to cut it with a 14 year old girl LOL.

Current: EQ 673 September2013 / TU 696 September2013 (Walmart)
Start: EQ 584 Feb2012 / TU 629 July2012

Wallet: BofA Cash Rewards Visa Sig $5000 / Lowe's $6000 / JCP $3900 / eBay MC $3200 / Barclaycard Rewards $2000 / Walmart $3300 / CapOne NHRC $2000 / CapOne Platinum #1 $2000 / Amazon $1700 / Discover It $1000 / CapOne Platinum #2 (former Orchard) $750 / Amex Zync $500 Autopay
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
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Re: Starting Limits All Over The Place - JCP $200.00

Well when I first started applying for cards...I got CapOne at $500--now $750 and Macy's at $100 (yes...$100)--now at $1,000. LMAO. Looking at other user's starting limits, I think it's fair to say JCP was being generous. LOL

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Starting Limits All Over The Place - JCP $200.00


jsucool76 wrote:

Jlu wrote:

^+1 same here too. 6 cards in 3 months with CLs ranging from 300 to 9000. 

 

This is common for semi-prime folks who have a 620 to 680 FICO and are borderline approvals with recons involved. 

 

Eventually they will all grow and catch up to one another. Just keep up the good work.


Especially those GE cards. I've seen people go from like $150 to like $999,999,999.99 in like...a year Smiley Tongue I exaggerate but their CLI policy is pretty bangin Smiley Very Happy 


Yes it is!!! The key is good usage, they wont give you big CLI's without good usage.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
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