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

Walmart CLI easy for some, not for others

I dont get how some get their card,  immediately call and get an increase. While other,(ME) get theirs, $400 limit, and actually USE this card, and cannot get an increase due to"inssufficent history with current limit" or some crap like that.

 

So frustrating.

"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
Regular Contributor
SFernandez13461
Posts: 207
Registered: ‎02-24-2011

Re: Walmart CLI easy for some, not for others

I'm having the same experience with them. Our time will come. 


Starting Scores: 10/9/10 EQ 632
Current Scores: (9/5/12) EX 761 EQ 657 TU 780
Derogs Removed: LVNV, Union Bank, EOS-CCA, Zenith Acquisitions, Marigold Financial, Credit Collection Services, California Business Bureau
Working On: Portfolio Recovery Associates, Midland Credit Management, Credit One
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012

Re: Walmart CLI easy for some, not for others

When I get my statement cut this month I'm going to call and try for the hell of it.  I put around $500 through and PIF before the end of the cycle.  I'll let you know how it goes.

  • 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
Regular Contributor
luckelle
Posts: 168
Registered: ‎12-05-2007

Re: Walmart CLI easy for some, not for others

Really, i dont see how people get increases before the 4th biling cycle. Hasnt worked for me at all. Not with amazon eithier. I pay in full and use amazon alot for my daughter( thats another story)
Starting Score: 5/2012 TU 595, EQ 565, EX fako 547
Current Score:as of 9/2012, TU 626,Walmart 612, EQ 600, EX fako 623
Goal Score: 640 by dec 2013
BofA Au 13000, Amazon 600, Capt1 300, Walmart 150
When all else fails pay it!


Valued Contributor
creditnocash
Posts: 2,185
Registered: ‎07-23-2012

Re: Walmart CLI easy for some, not for others

do you guys talk to a real person? or put it in the system? 

do you have hight util overall when asking? 

any baddies? 

 

other cards with higher limts? 

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

Inquiries (24 Months): EQ 8 TU 5 EX 5 | 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

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. 

  • 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: 2,185
Registered: ‎07-23-2012

Re: Walmart CLI easy for some, not for others


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. 

 

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

Inquiries (24 Months): EQ 8 TU 5 EX 5 | 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
Established Contributor
S7
Posts: 568
Registered: ‎08-24-2012

Re: Walmart CLI easy for some, not for others

No balances on anything else. I've talked to 2 different people, and tried the automated too. I mean we are a family of 5, and we use walmart alot! So a $400 limit can go quick with 3 kids, and can gas on it too.. and it's paid in full.

 

Just so frustrating that some get it quicker, but hey, guess that's why it's called life, and it isnt' always fair. Hmph! :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
Valued Contributor
creditnocash
Posts: 2,185
Registered: ‎07-23-2012

Re: Walmart CLI easy for some, not for others

[ Edited ]

S7 wrote:

No balances on anything else. I've talked to 2 different people, and tried the automated too. I mean we are a family of 5, and we use walmart alot! So a $400 limit can go quick with 3 kids, and can gas on it too.. and it's paid in full.

 

Just so frustrating that some get it quicker, but hey, guess that's why it's called life, and it isnt' always fair. Hmph! :smileylol:


how long have you had the card? may be best to just wait it out and ask at the four months.. 

i mean if you keep asking it wont hurt since its only a soft pull. 

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

Inquiries (24 Months): EQ 8 TU 5 EX 5 | 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
Contributor
ricefed
Posts: 116
Registered: ‎02-17-2011

Re: Walmart CLI easy for some, not for others

If you ask for an increase online or through the automated system you'll get that or a small increase. You need to call underwriting for big increases. I went from 1300 to 8000 two weeks ago just from calling the backdoor number.
NFCU cash rewards 10,000 -Chase Sapphire Preferred 6,900-Chase Slate 6,000- Amazon 10,000 - Walmart 10,000- lowes 12,000 - Kay jewelers 7,500 - Amex Zync NPSL - CarCare One 500

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+