Reply
Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
0

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%
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

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
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
0

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
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Trying to predict GE Wal-Mart auto CLI

+1

Established Contributor
chan85
Posts: 554
Registered: ‎03-13-2011
0

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
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

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
Frequent Contributor
ficojoe
Posts: 310
Registered: ‎07-21-2012
0

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
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
0

Re: Trying to predict GE Wal-Mart auto CLI

[ Edited ]

distantarray wrote:

why wait? just call in


Took your advice, called in, and got 5k :smileysurprised: 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
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

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
Epcot
Posts: 2,789
Registered: ‎10-10-2012
0

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 816 EX 780 TU 823
App free since 4/11/13

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}