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Established Contributor
TNTransplant
Posts: 689
Registered: ‎01-03-2012

Re: Walmart CLI easy for some, not for others


S7 wrote:

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

 

No baddies, no balances on any other cards. 


This is GE's standard response.  Take your time and don't get frustrated - with positive payment history it will eventually rise.  I started out at $600 and got auto increased to $800 in January of this year.  Since that time, I've asked for CLI's every 4 months and been PC'd to the Discover version, with a current limit of $4000.  You'll get there. :smileyhappy:

Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:May 2013: EQ - 752, TU08 - 753, EX - 741 (Amex 4/13)
Goal Score: 760 on each by 12/31/13, Last app - 4/1/13


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Established Contributor
S7
Posts: 567
Registered: ‎08-24-2012

Re: Walmart CLI easy for some, not for others

Thank you! :smileyhappy: 

"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
Contributor
tbolt2
Posts: 82
Registered: ‎03-11-2011

Re: Walmart CLI easy for some, not for others

[ Edited ]

toppers555 wrote:

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


 

It is possible to get an increase with no statements with GE backed cards.

 

Within the past month, I was able to get CLI's on two accounts:

 

WalMart - no statements or balance for 2 months - 600 CLI

JCPenney - no statements or balance for 6 months - 1400 CLI

 

 Both cards will be two years old next month. The JCP card never had a CLI. The WalMart card had one at the 4 month mark...nothing after that until last month.


Starting Score: 534 11/09
Current Score: FICO 652 05/11
Goal Score: 700+


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Valued Contributor
jsickz32
Posts: 1,815
Registered: ‎06-25-2012

Re: Walmart CLI easy for some, not for others

i got a increase from 150 to 1500 just 7  days from my 4th month with walmart. ive never used the card since i got it. TU score 693 with 17 new accounts opened in last 5 months and 9 inqs in TU..

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / BofA Total rewards (2500) / BofA Amex (3900) / Bofa cash rewards (5700) / BofA Privileges Cash Rewards (5000) / Citi Forward (3000) / Chase Freedom (3500) / Discover IT (1700) / FNBO AMEX (3600) / Barclays Apple Visa (3960) / NFCU cashRewards Visa signature (12500) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (601) / PayPal Smart connect (2200)
Established Contributor
S7
Posts: 567
Registered: ‎08-24-2012

Re: Walmart CLI easy for some, not for others

Well heck! :smileylol:

"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
Shogun
Posts: 7,375
Registered: ‎04-15-2011

Re: Walmart CLI easy for some, not for others

Patience!!!!   Wait until after the 4th statement cuts, then try.  :smileyhappy:


Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+

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Established Contributor
S7
Posts: 567
Registered: ‎08-24-2012

Re: Walmart CLI easy for some, not for others

YOU of ALLLLLL people, know I have zilch! LOL! I will dig some up. :smileyhappy: :smileyhappy: :smileyhappy:

"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
Valued Contributor
Jutz
Posts: 1,142
Registered: ‎05-10-2012

Re: Walmart CLI easy for some, not for others

You'll find comfort in this S7, lol.  Found out my statement had cut yesterday, previous to that I had put through ~450 (600 CL) and PIF, so I figured, what the hell.  Requested 1600, denied outright, no counter.  As expected of course, so no complaints.  I really just wanted to toe the line.  I'll wait until the 4th statement before asking again.  Maybe even the 5th to give it 4 statements between requests.

 

It's tough finding amusing things to do when you're really just playing the waiting game on your credit.  GWilling can only take up so much time, haha.

Current: EQ FICO 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012)

Starting total revolving credit: $1100 | Current total revolving credit: $7000

Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013


2013 Goals:
New Car
700 Club
AMEX Member

AMEX Gold NPSL
DCU Visa $2000
Cap1 Cash Rewards $2000
BOA Platinum $600
WalMart $800
Established Contributor
jordanmedical
Posts: 998
Registered: ‎04-08-2012

Re: Walmart CLI easy for some, not for others

[ Edited ]

I got shot down with walmart too, then tehy approved me for an amazon store card for a higher limit, Just don't get GE.

-Rebuilding with Cap1 Secured: 300, CapOne Cash: $1k, NFCU Secured: 500, NFCU cashRewards $8.5K, NavCheck $2.5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.5K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

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Valued Contributor
creditnocash
Posts: 1,922
Registered: ‎07-23-2012

Re: Walmart CLI easy for some, not for others

i can confirm that statements have no bearing i think. 

 

walmart card went 800-5k since july 28th no statements 

ae apped and approved before walmart 400 used 8x as much have statements for 3 months and no cli given. 

Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: $21,600

Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012


2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000

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