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Frequent Contributor
CreditJim
Posts: 273
Registered: ‎09-17-2012

Walmart CLI denied

After being approved for my first GE card, Amazon, for $1100 I then tried Walmart the next day (after reading it grows well and for the free TU FICO). I was instantly approved for $500 yesterday so as its my lowest limit I called up the backdoor number just now to request a CLI. I ended up on the phone for 20 mins, and at first he was saying he couldn't pull my credit report, and had I frozen it. I've never frozen any of my CRA's and said I only applied for the car yesterday and was approved. After another long period of waiting he said he'd been able to pull up my report and wasn't able to offer me a raise. I'd asked for $3k. Disappointed, but I hope that it hasn't cost me a hard pull, which I fear it may have.
Barclays Arrival Plus WEMC $17.2k | Citi Executive AA WEMC $15k | Quicksilver World MC 15k | SWACU Visa $15k | Amex Business Platinum | Amex PRG | Amex SPG $3.5k | Spark Visa $8k | Chase BA Visa Sig $7.5k | Chase Freedom $4.5k | Citi AA World MC $2k | Quicksilver MC $5k | Lowe's Store $17k | Walmart Store $3300 | Amazon Store $2500 | J Crew $2600
Valued Contributor
Swapmeet
Posts: 1,334
Registered: ‎11-10-2012

Re: Walmart CLI denied

In all likelihood, it was a SP.

My Wallet: WalMart: ||15k|| USAA Platinum MC: ||13k|| Amex Delta Gold: ||2k||; BCE: ||9k|| Chase Freedom Siggy: ||10k||
Discover it: ||6.5k|| SG Visa: ||11k|| USAA World MC: ||13k|| US Bank Cash+ Siggy: ||5k|| Citi TYP World MC: ||10.5k||
Barlays Arrival World MC: ||10k||
Fico Scores: EQ 760 (SW),TU 757 (Walmart), EX 738 (myfico) Last app: Arrival World MC 2-1-14
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012

Re: Walmart CLI denied

Agreed, GE/Walmart card should be SP everytime.  You'll probably get 2 letters explaining the denial if you did the online system and over the phone.

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Valued Member
jatneal
Posts: 41
Registered: ‎08-11-2009

Re: Walmart CLI denied

Dont feel bad.  I just called to get a CLI with Walmart as well....big fat no.  Atleast your initial CL was $500.  I got a measly $150 :smileysad:

 

There is nothing I can buy with that.  Maybe toiletries here and there ;/

Contributor
Karunch
Posts: 93
Registered: ‎01-31-2008

Re: Walmart CLI denied

[ Edited ]

While it sucks to not be able to get a CLI at the account opening with GE you can request a CLI every 4 months.  Your account will definitely grow over time.  My Walmart Card went from $400 when it was opened September 2011, and it's now $2,400....  Also I've never done it, but from what I've read on here calling and talking to the underwriters is a SP, not a HP.  But as with everything, YMMV. 


Starting Score: 686 EQ (8/9/12), 668 TU (WalMart 8/8/12), 685 EX (3/25/14)
Most Recent Score: 684 EQ (3/26/14), 688 TU (3/25/14), 685 EX (3/25/14)
Goal Score: 700+


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Frequent Contributor
CreditJim
Posts: 273
Registered: ‎09-17-2012

Re: Walmart CLI denied

[ Edited ]

I have used the card since, bought $66 worth of toiletries and PIF once the balance posted. Seems very slow for the balance to post and payment to post. Hopefully with a little bit of useage each month PIF I'll get an increase around 4 months.

Barclays Arrival Plus WEMC $17.2k | Citi Executive AA WEMC $15k | Quicksilver World MC 15k | SWACU Visa $15k | Amex Business Platinum | Amex PRG | Amex SPG $3.5k | Spark Visa $8k | Chase BA Visa Sig $7.5k | Chase Freedom $4.5k | Citi AA World MC $2k | Quicksilver MC $5k | Lowe's Store $17k | Walmart Store $3300 | Amazon Store $2500 | J Crew $2600
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012

Re: Walmart CLI denied

Please ask for something specific at your reach...

They offer $500 and you ask for $3000( 6x) meanwhile your credit not that great ??

Maybe 1500 or less then 3000 after 4 months ???

Play it right then you should get to where you want to........


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


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Regular Contributor
tld409
Posts: 201
Registered: ‎03-21-2012

Re: Walmart CLI denied

Definitely wait until your 4th statement cuts. I tried about 3 times before the 4th statement and I was denied overtime.  I requested an increase up to $5000 and approved:smileyhappy:  My starting limit was $700 and this did not change until after 4 months!   I know it is hard but be patient. 

Starting Score 630 Current:EX:714(05/31/14); EQ08: 732 (07/03/14);TU:739 (07/06/14):Goal Score: 750 across the board
Amex BCP 4.3K; Amex BCE 18K; Amex PRG; BOA123 Visa Sig 20k; CapOne WMC 7.5K; CSP Visa Sig 5K; Slate Visa 3k; Citi Simp Visa 6.9k; CFCU Visa 15k; Discover IT 4K; JCP MC 6.7K; Macys Amex 7.5K/2k; PSECU Visa/PSL 20/20K; SamsClub Discover 10k; Walmart 10k
Frequent Contributor
RSCo
Posts: 472
Registered: ‎02-11-2013

Re: Walmart CLI denied


tld409 wrote:

Definitely wait until your 4th statement cuts. I tried about 3 times before the 4th statement and I was denied overtime.  I requested an increase up to $5000 and approved:smileyhappy:  My starting limit was $700 and this did not change until after 4 months!   I know it is hard but be patient. 


You nailed it.. I opened mine in Nov 2012 and after my 4th statement they bumped me from the opening amount of 600.00 to 800.00.. not huge, but they did it automatically without me knowing... I'm going to call them in 2 months or so and ask for 3k.. 

 

Citi Hilton Honors: $25,000 -- Amex PRG: $NPSL -- Citi TY Premier World: $9,880 -- NWFCU: $7,500 -- Citi Home Depot: $7,000 -- Citi AAdvantage Platinum Visa Sig: $5,000 -- Visa Black Card: $5,000 -- Discover IT: $5,000 -- AmexTrueEarnings: $5,000 -- Amex Gold Delta: $4,500 -- Pottery Barn: $4,000 -- Ethan AllenGE: $4000 -- Chase Slate: $2,500 -- CapOne Platinum: $2,500 -- CapOne Platinum: $2,500 -- AmazonGE: $2,200 -- Barclays BJs: $1,800 -- WalmartGE: $1,500 -- PenFed LOC: $500
Established Contributor
TiggerDat
Posts: 1,013
Registered: ‎10-15-2011

Re: Walmart CLI denied

I worked the system after the 2nd month I think with calling the backdoor number and they raised it from $500 to $1000.  Then I asked after the third month using the automated system and it was declined, but on the 4th month I got bumped to $1700 when I called and asked the automated system.  I will probably try again in 4 months and see.  I keep telling them I want the DIscover card, but now I think I don't!  (I have a true Discover card now.)

 

With a little time and patience all should work out.


Grow little seedling grow.

Rethink every purchase you make, before you make it. Use the card with the best rewards. Pay in full each month. Redeem rewards often. Use the cards online shopping for more discounts. Smile, knowing that being thrifty allows you to actually get more out of the same amount of money!

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