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Regular Contributor
pozativelyliving
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
trumpet-205
Posts: 2,255
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
pozativelyliving
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
trumpet-205
Posts: 2,255
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
laboi_22
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
laboi_22
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
Shogun
Posts: 12,952
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
LS2982
Posts: 15,434
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
pozativelyliving
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.
Valued Contributor
jsucool76
Posts: 2,818
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: 

Wallet: Capital One Quicksilver 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 3000CL, Walmart Discover: 3500CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 2600CL, Bank Of America Student Travel Rewards: 2700CL, Amex PRG

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