07-03-2013 09:13 PM
I called the backdoor number intending to ask for a CLI on all four of my GE cards. I started with my Sam's club card. My limit was $1,800 and I requested $5000. I was denied. I was confused because my credit continues to improve and my Tu report has nothing negative, no inuries, etc. TU FICO 728 per Wal-mart.
I didn't understand, so I thought I'd try online. The automated system gave me a CLI from $1,800 to $5,800!
Now, I am wondering what to do with my PayPal Extras MC... Do I call in? My last CLI on the PPEMC was 3/5/2013. Should I wait a few more days or call now?
Any idea why the denial over the phone for Sam's?
07-03-2013 09:32 PM
07-03-2013 10:27 PM
There is no luv button option for PayPal Extras MC, so you will have to call. I've been able to get increases on all of my GE cards recently expect Paypal. I've called in and both times, they have used a pull that goes back to around January 20. The second time, I specifically asked them if they could use a more current pull than that one, they said they did and declined me and the letter I got stated it was declined using the info from the January pull. I'm going to try again next week, but it is starting to tick me off. I think, if I were you, I'd wait a few more days and try calling. As far as the Sam's Club, you should get a letter in the mail, but at least doing it online was successful!
07-03-2013 10:43 PM
Results from trying all four of my GE cards:
I called the automated system for Paypal Extras MC, I had $5,000 and I asked for $10,000 and they countered for $6,000, I accepted. Previous increase 3/5/2013.
I used the luv botton for wal-mart and got a tiny increase from $1550 to $2350. Previous increase 3/24/2013.
I got the nice increase that I already mentioned for my Sams from $1800 to $5800. Previous increase 3/1/2013.
I was denied for an increase on my amazon card both using the automated phone system and using the luv button. I called because I accidenly left zeros off my income making me sound homeless on the luv button, still denied though. Probably too soon. Last increase 3/26/13. --- I'll try again in about a month. Also, I have not used the card since before the last increase, perhaps I'll use it once too.
07-03-2013 10:47 PM
Credit solutions denied my last increase on my Paypal Extras. Once because I asked too early and then again a month later with the reason that it was against their policy. The second time they denied I just called the number on the card and used the automated system. I asked for another 2k and it countered with 1500. Assuming it has been 4 months since your last increase I think the advice to try both routes if denied the first time is pretty solid.
07-04-2013 04:49 AM
GE can be weir with luv.
IMO, if you call CS it all hinges on who your speaking to. They are the ones reviewing and if they are having a bad day it could be bad for you.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† 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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.