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Walmart CLI Question

Regular Contributor

Walmart CLI Question

I thought what the heck i would go for a CLI with my walmart card.It currently sits at $850 Ive had the card from June and Im pretty sure that i opened the card on the 10TH of June. so i called up and went through the automated system . I asked for $1500, it asked for my income , i said $40.000 Per Year. 

 

It went silent and came back with i can not complete your CLI to your account at this time.. Does this mean i was denied , it said it would send a letter to explain within the next 10 business days.. or ... does this mean i had not reached my 4 th month mark yet???

 

 

Is it best to speak to someone or go through the auto CLI?

 

any help would be great

 

Message 1 of 10
9 REPLIES
Valued Contributor

Re: Walmart CLI Question

it means you were denied. 

id call the credit analyst number in the backdoor thread. 

 

i was denied through phone luv button as well. 

then called the rep and asked from 800 to 3k. had card since jul 28(day of inq) 

took down my info and would get a response in the mail. 

well they granted it the next day(online check) 

and then got the letter in the mail saying it was approved the day after i got the denial letter saying limit was too new. 

besides my new cards income i told her was 32k. and i was planning on buying a couple tvs so my limit was not sufficent. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 2 of 10
Valued Contributor

Re: Walmart CLI Question


creditnocash wrote:

it means you were denied. 

id call the credit analyst number in the backdoor thread. 

 

i was denied through phone luv button as well. 

then called the rep and asked from 800 to 3k. had card since jul 28(day of inq) 

took down my info and would get a response in the mail. 

well they granted it the next day(online check) 

and then got the letter in the mail saying it was approved the day after i got the denial letter saying limit was too new. 

besides my new cards income i told her was 32k. and i was planning on buying a couple tvs so my limit was not sufficent. 


+1 call the backdoor.........

 


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

Message 3 of 10
Established Contributor

Re: Walmart CLI Question

Yes, the backdoor is the safest way to go when CLI with Wally.

 

It gives you an edge over the automated system as you can recon if denied.

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Message 4 of 10
Regular Contributor

Re: Walmart CLI Question

Do I call the personal account number of the underwriter number from the backdoor thread?
Message 5 of 10
Valued Contributor

Re: Walmart CLI Question

I got thro success with that number......if the first one don't approved ask for their supervisor........keep us updated...

Hope it help


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

Message 6 of 10
Regular Contributor

Re: Walmart CLI Question

Personal or underwriter number?
Message 7 of 10
Valued Contributor

Re: Walmart CLI Question

UnderwiriteUnderwrite...


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

Message 8 of 10
Regular Contributor

Re: Walmart CLI Question

Thanks guys. just got a bump to $1500

 

hapy with that.. 

 

should i attempt my amazon card to the same ? $1500 its $1200 CL at the moment.. I got it the same day as my Walmart card. or should i ask for more , say like $2000? I had originally been approved for just $800 but the day i got approved with Amazon store card i called up and asked for $1200 which they granted.

 

thanks

Message 9 of 10
Valued Contributor

Re: Walmart CLI Question

You getting too greedy there my friend Smiley Wink

just ask for what you need......and stay in good shape with it...that's the most important thing 


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

Message 10 of 10