11-14-2012 05:37 PM
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.
11-14-2012 09:19 PM - edited 11-14-2012 09:23 PM
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.
11-15-2012 02:53 AM
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..
11-15-2012 07:04 AM
Patience!!!! Wait until after the 4th statement cuts, then try.
11-15-2012 07:05 AM
YOU of ALLLLLL people, know I have zilch! LOL! I will dig some up.
11-15-2012 11:16 AM
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.
|Chase Freedom $9500|
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
|Lowe's CC $8500|
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
11-15-2012 08:08 PM - edited 11-15-2012 08:08 PM
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.
11-15-2012 08:22 PM
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: Discover Fico 709 3/15 Walmart Fico 743 4/15|
Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Earn Cash Back
|Amex Zync(Unicorn) |
Citi DC $10,000
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.