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Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012

Re: Walmart CLI easy for some, not for others


creditnocash wrote:

Jutz wrote:

Yeah that's kind of why I want to test it.  My credit is obviously not good, so it's a good test to see how flexible they are.  Going to shoot for 2k too.  With no hard pull I can't see the harm. 


like i stated in other threads. 

orginally i got approved in july for 800 and asked for a cli to 3k oct 1st so less then 3 months with the card. 

mind you i have other cards with 2/3k limits 

i had 3% util when i asked (thats out of 10k in limits)

and only one card reporting a balance

no baddies. 

just a short aaoa. 

no missed no lates nothing. 

 


Have you asked for a PC to Discover yet?

I'm thinking the Holiday season may help a little bit, if they approve a CLI, which of course I don't think they will anyway.  I'm just interested if they will do it early for lower credit, since it's obvious they are VERY flexible for good credit folks such as yourself.

  • 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 Contributor
creditnocash
Posts: 2,187
Registered: ‎07-23-2012

Re: Walmart CLI easy for some, not for others


Jutz wrote:

creditnocash wrote:

Jutz wrote:

Yeah that's kind of why I want to test it.  My credit is obviously not good, so it's a good test to see how flexible they are.  Going to shoot for 2k too.  With no hard pull I can't see the harm. 


like i stated in other threads. 

orginally i got approved in july for 800 and asked for a cli to 3k oct 1st so less then 3 months with the card. 

mind you i have other cards with 2/3k limits 

i had 3% util when i asked (thats out of 10k in limits)

and only one card reporting a balance

no baddies. 

just a short aaoa. 

no missed no lates nothing. 

 


Have you asked for a PC to Discover yet?

I'm thinking the Holiday season may help a little bit, if they approve a CLI, which of course I don't think they will anyway.  I'm just interested if they will do it early for lower credit, since it's obvious they are VERY flexible for good credit folks such as yourself.


ive asked but since its a hard pull i declined. (since i initiated it)  also would lower my aaoa way to much. im already only at 10 months.

i have no rush into getting a discover or a discover branded card at that.

my walmart fico this month was 743 so its not like i have bad credit.

 

Current: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 6 TU 3 EX 4 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012

Re: Walmart CLI easy for some, not for others

Ah, didn't know the Discover was a hard pull, I thought the PC was soft, but added a new account

  • 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
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Walmart CLI easy for some, not for others

Lenders are also required to consider income when granting credit limit increases.   What is your family income?


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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

Re: Walmart CLI easy for some, not for others

+1

Established Contributor
S7
Posts: 568
Registered: ‎08-24-2012

Re: Walmart CLI easy for some, not for others

I wasn't aware it was on family income, I assumed it had to be mine alone...family of course isn't super hight, only $61K,  but mine is only $28K.

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Walmart CLI easy for some, not for others


S7 wrote:

I wasn't aware it was on family income, I assumed it had to be mine alone...family of course isn't super hight, only $61K,  but mine is only $28K.


 

If you are in a community property state; household income is acceptable...

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Established Contributor
toppers555
Posts: 550
Registered: ‎09-28-2012

Re: Walmart CLI easy for some, not for others

Also make sure your accounts are generating statements or else you will never get an increase. 



TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!


Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012

Re: Walmart CLI easy for some, not for others

Some reason i would think for OP question :

  • Credit Score
  • Credit History with your current card ( limit history )
  • High Utility on other cards
  • Too many apps recently
  • Baddie.

I think you kinda attemp for the credit limit so bad thou........Its might approved for someone else but maybe not for you i guess....Everyone had a different credit profile nor credit score.......They had their own system to determinte whether or not they should give you limit increase. Maybe used them a lil bit and ask them for some meanful limit. (match your highest maybe and take whatever they offer)

 

     They offer me 700 and call underwrite to ask for 2000 limit but they only offer me 1200. Well I take it and only thing i know for sure GE cards would grow with me quick then why should be worry ??? They not Capital One or some others crappy lenders.........maybe in 1 years you would get where you want it thou.......Credit is more about waiting for the right time. Its like a game and its all about you whether you play it right or not.

Good luck.

 

 


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

Established Contributor
S7
Posts: 568
Registered: ‎08-24-2012

Re: Walmart CLI easy for some, not for others

The reason I was given was insufficent experience at current credit limit". 

 

No baddies, no balances on any other cards. 

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683

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