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Walmart CLI decline notice(CS Update)

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Cali_Credit
Frequent Contributor

Walmart CLI decline notice(CS Update)

I hit the credit line button a few days ago and was decline. Today I received a notice from GE stating HIGH balances and recent inquires ect. The score was dated from jan 4th 2013. I opened this account in dec 2012 and have clean up my TU alot and my UTI went from 88% down to 8% today. My score has increased 50+ points and I'm wondering how they got that report in jan and why use a 3 month old report for a CLI?

Current Fico's: TU 797 / EQ 785 / EX 775
Wallet: US Bank Business Edge $16,000 I Chase Ink $18,500 | US Bank Cash + Visa Sig $15,000 | Amex PRG NSL | Barclay Arrival+ WMC $10,000 l Amex BCP $20,000 | PenFed Visa Sig $9,000 | DCU Plat. $10,000 | Logix $10,000 | Discover $18,900 | WalMart $10,000 | Paypal MC $15,000 | Barclay NFL $3,400 | Cap 1 Quicksilver WMC $34,500 | J C Penny $5000 | Target $2000 13 Personal & 2 Business CreditCards
Message 1 of 11
10 REPLIES 10
NJTurnpike
Established Contributor

Re: Walmart CLI decline notice

they probably only soft pull you every 3 months to determine CLI's.


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Message 2 of 11
09Lexie
Moderator Emerita

Re: Walmart CLI decline notice

Message 3 of 11
Cali_Credit
Frequent Contributor

Re: Walmart CLI decline notice

What is credit solutions?
Current Fico's: TU 797 / EQ 785 / EX 775
Wallet: US Bank Business Edge $16,000 I Chase Ink $18,500 | US Bank Cash + Visa Sig $15,000 | Amex PRG NSL | Barclay Arrival+ WMC $10,000 l Amex BCP $20,000 | PenFed Visa Sig $9,000 | DCU Plat. $10,000 | Logix $10,000 | Discover $18,900 | WalMart $10,000 | Paypal MC $15,000 | Barclay NFL $3,400 | Cap 1 Quicksilver WMC $34,500 | J C Penny $5000 | Target $2000 13 Personal & 2 Business CreditCards
Message 4 of 11
09Lexie
Moderator Emerita

Re: Walmart CLI decline notice

Message 5 of 11
racer-x
Valued Contributor

Re: Walmart CLI decline notice

Definitely call them.  After a $100 auto CLI, I called to ask for more but was denied.  I called again, after hours, and my CL was doubled to $1600.  TU was 652-ish at the time.

Message 6 of 11
LS2982
Mega Contributor

Re: Walmart CLI decline notice

Agree on calling credit solutions. They can manually review your current report.



EQ FICO 548 3/3/16
Message 7 of 11
Cali_Credit
Frequent Contributor

Re: Walmart CLI decline notice

So i called Credit Solutions and asked for a CLI and the Rep stated she could do a Manual(Soft Pull) Request. She asked how much i was looking for and  I stated $1,000. She asked me and few income questions and put me on a hold and said cngrats your request was approved =). Im wondering if i should of asked for more? I just didnt want to be greedy =/ . I have had this card since Dec and maybe ill try for another request in a few months.

 

Does the Happy Damce! im starting to love GE and they soft pulls

Current Fico's: TU 797 / EQ 785 / EX 775
Wallet: US Bank Business Edge $16,000 I Chase Ink $18,500 | US Bank Cash + Visa Sig $15,000 | Amex PRG NSL | Barclay Arrival+ WMC $10,000 l Amex BCP $20,000 | PenFed Visa Sig $9,000 | DCU Plat. $10,000 | Logix $10,000 | Discover $18,900 | WalMart $10,000 | Paypal MC $15,000 | Barclay NFL $3,400 | Cap 1 Quicksilver WMC $34,500 | J C Penny $5000 | Target $2000 13 Personal & 2 Business CreditCards
Message 8 of 11
Rhaeny
Valued Contributor

Re: Walmart CLI decline notice


@IECredit wrote:

So i called Credit Solutions and asked for a CLI and the Rep stated she could do a Manual(Soft Pull) Request. She asked how much i was looking for and  I stated $1,000. She asked me and few income questions and put me on a hold and said cngrats your request was approved =). Im wondering if i should of asked for more? I just didnt want to be greedy =/ . I have had this card since Dec and maybe ill try for another request in a few months.

 

Does the Happy Damce! im starting to love GE and they soft pulls


Next time yes ask for more because they will counter if they can't meet what you're asking for.  For exampe, I requested a $5K increase and they countered for half of that.  So wait about 4 months and call back again.  You can use that same number for any of your GE accounts.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 9 of 11
Cali_Credit
Frequent Contributor

Re: Walmart CLI decline notice

Sounds good! in 4 months my only badie will be off my TU report and ill shoot for the stars =)

Current Fico's: TU 797 / EQ 785 / EX 775
Wallet: US Bank Business Edge $16,000 I Chase Ink $18,500 | US Bank Cash + Visa Sig $15,000 | Amex PRG NSL | Barclay Arrival+ WMC $10,000 l Amex BCP $20,000 | PenFed Visa Sig $9,000 | DCU Plat. $10,000 | Logix $10,000 | Discover $18,900 | WalMart $10,000 | Paypal MC $15,000 | Barclay NFL $3,400 | Cap 1 Quicksilver WMC $34,500 | J C Penny $5000 | Target $2000 13 Personal & 2 Business CreditCards
Message 10 of 11
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