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Trying to predict GE Wal-Mart auto CLI

Valued Contributor

Trying to predict GE Wal-Mart auto CLI

I have the store version of GE Wal-Mart card for about 15 months now. I have been getting auto cli every 4 months.

 

Starting: 600 ---> 800 (or 1200 forgot) ---> 1600 ---> 2900 ---> ???? (Discover maybe?)

 

Using it every week for gas and at the store. PIF last month and waiting for statement to update. After that I will be going into 16 months so hopefully another auto cli.

 

What do you guys/gals think?

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
12 REPLIES
Established Contributor

Re: Trying to predict GE Wal-Mart auto CLI

why wait? just call in


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor

Re: Trying to predict GE Wal-Mart auto CLI


distantarray wrote:

why wait? just call in


I thought you have to wait 4 months after auto cli?

 

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Established Contributor

Re: Trying to predict GE Wal-Mart auto CLI

+1

Established Contributor

Re: Trying to predict GE Wal-Mart auto CLI

I have had my card  since July 2011. Started at $600, increased to $800 after a few months, then 3 months later $1400, and then last month $1500. They sent me the offer for the DIscover upgrade late September/early October. It's been mailed and I am waiting for it to arrive now, when I log it has my old WM store card and then a seperate Discover account with a link to activate once I get the card.

 

I don't know if there is a rhyme or reason to how they determine upgrades. I used mine pretty consistently recently since I moved and was furnishing my house. But there have been plenty of months where it sat inactive, which is why I think my credit increases have been so sporadic- I had no statements generate some months so the count to 4 statements before asking for a CLI took some work.

WM TransUnion- 650 (6/2014) Credit Sesame Experian- 691 (6/2014) Credit Karma TransUnion- 665 (6/2014)
Amex Zync/UNICORN- NPSL/Capital One Venture One Pro -$7,000/NFCU Cash Rewards- $7,500/NFCU NavChek- $5,000/SouthWest Airlines- $5,000/Capital One Quicksilver Platinum- $3,000/Wal-Mart Discover- $6,000/Bill Me Later- $2,200/JCP- $4,700/Discover IT- $500/Care Credit -$2,300/Old Navy Visa- $2,000/New York & Company - $1,000/Capital One -$800
GOALS: No new inqs until 10/30/14. Pay off debt consolidation loan in less than 1 year. Snowball debt payments.
Last HP: 3/5/14
Established Contributor

Re: Trying to predict GE Wal-Mart auto CLI

not if you call the underwritters you can find the number through google people get CLI in the first day after instant approval online even. CLI from 150 to 1000 is not too uncommon and upto 10x your CL to the claimed GECRB max of 10,000 is not unusual =)


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Highlighted
Frequent Contributor

Re: Trying to predict GE Wal-Mart auto CLI

I just noticed my Wal-mart limit went from $150 to $850. No notice or anything. My 4th statement is due to cut tomorrow.

Valued Contributor

Re: Trying to predict GE Wal-Mart auto CLI


distantarray wrote:

why wait? just call in


Took your advice, called in, and got 5k Smiley Surprised I didn't want to push it.

 

I ask them 4 times if it will be a soft pull. He said that is correct.

 

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Valued Contributor

Re: Trying to predict GE Wal-Mart auto CLI

haven't got my card yet but already got $500 increase to 1.2k .

Looking for 2k or 2.5k manager siad he cant do that, maybe try again when activated my cards.


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Valued Contributor

Re: Trying to predict GE Wal-Mart auto CLI

That's great, Congrats on the increase!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15