Reply
Regular Contributor
Posts: 237
Registered: ‎07-13-2012
0

Starting Limits All Over The Place - JCP $200.00

[ Edited ]

Has anyone else opened a bunch of new accounts around the same time and had their starting limits all over the place? I can see what I currently have in my signiture. New accounts have ranged from $600. (Walmart) to $3k (Target). For some reason I just had the urge to apply for JCP. Was approved for a... $200. CL. $200.00!? 

 

I've read that I can press the Love Button every 3-4 months so I'm looking at it as a card that might slowly grow and overall can help keep utilization % a little lower. 

 

Will someone please put me in the garden with a BIG fence, lock it and hide the key so I can't get out for a year or so?  :smileyhappy: 

 

Oh, interesting note, my very first credit card in '88 was JCP. That's what started it all!

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.
Valued Contributor
Posts: 2,505
Registered: ‎11-11-2010
0

Re: Starting Limits All Over The Place - JCP $200.00

My ex-JCP card also started at $200, later auto CLI to $1,400 and called in for $2,000.

 

Now you have to call in to do CLI, JCP don't have luv button online anymore.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Regular Contributor
Posts: 237
Registered: ‎07-13-2012
0

Re: Starting Limits All Over The Place - JCP $200.00


trumpet-205 wrote:

My ex-JCP card also started at $200, later auto CLI to $1,400 and called in for $2,000.

 

Now you have to call in to do CLI, JCP don't have luv button online anymore.


So try after every 4-5 statements?

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.
Valued Contributor
Posts: 2,505
Registered: ‎11-11-2010
0

Re: Starting Limits All Over The Place - JCP $200.00

Yep.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Established Contributor
Posts: 634
Registered: ‎07-07-2011
0

Re: Starting Limits All Over The Place - JCP $200.00

I started with $300. A year later of asking every 4th statement. 4800. Of course I used it a lot. Also you can use it at CVS/Rite Aide!
Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000
Established Contributor
Posts: 634
Registered: ‎07-07-2011
0

Re: Starting Limits All Over The Place - JCP $200.00

JCP is very generous. Not all DE cards are the same!!
Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000
Moderator
Posts: 13,876
Registered: ‎04-15-2011
0

Re: Starting Limits All Over The Place - JCP $200.00

Makes about as much sense as figuring out FICO scoring.



Starting Score: 504




July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Starting Limits All Over The Place - JCP $200.00


pozativelyliving wrote:

Has anyone else opened a bunch of new accounts around the same time and had their starting limits all over the place? I can see what I currently have in my signiture. New accounts have ranged from $600. (Walmart) to $3k (Target). For some reason I just had the urge to apply for JCP. Was approved for a... $200. CL. $200.00!? 

 

I've read that I can press the Love Button every 3-4 months so I'm looking at it as a card that might slowly grow and overall can help keep utilization % a little lower. 

 

Will someone please put me in the garden with a BIG fence, lock it and hide the key so I can't get out for a year or so?  :smileyhappy: 

 

Oh, interesting note, my very first credit card in '88 was JCP. That's what started it all!


Dont feel bad, I got $150 whem I opened mine :smileyvery-happy:

 




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
Regular Contributor
Posts: 237
Registered: ‎07-13-2012
0

Re: Starting Limits All Over The Place - JCP $200.00

I didn't know that the JCP card can be used at CVS and Rite Aide.  That's good to know! 

 

 

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.
Super Contributor
Posts: 5,515
Registered: ‎12-11-2011
0

Re: Starting Limits All Over The Place - JCP $200.00

Hey, cap1 gave me $3k...GE gave me $500 on my paypal and walmart, and wells gave me $600. They always start awkwardly :smileytongue: 

;
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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

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.