Credit Cards

[bichonmom]

I always PIF -- usually BEFORE the statements cut. It seems like not all GE accts are equal when it comes to CLIs. WM somehow seems harder to get CLI than ON.

[tcbofade]

---

LS2982 wrote:
@tcbo Was your overall util. high everytime you asked for CLI's?

---

Define "high".

Wait, never mind.

Yes.

[LS2982]

@tcbo LOL! anything above 10% is considered high.

[BlueNightStar]

---

bichonmom wrote:

I always PIF -- usually BEFORE the statements cut. It seems like not all GE accts are equal when it comes to CLIs. WM somehow seems harder to get CLI than ON.

---

That's what I do, too. As soon as I made a 6 month 0% interest purchase on Amazon they softed my TU. Two weeks later when I only made a partial payment and let a balance post, I got a huge (for me) CLI. The Amazon card seems good for easier to get, larger limits.

[rootpooty]

---

bichonmom wrote:

Has anyone hit the luv button more than every 4 mos? Have you had any success in getting a CLI more often than every 4 mos? Also wondering if you've ever gotten a Discover offer from the luv button.

I am really anxious to PC my WM store card to Discover. My TU FICO is over 100 pts higher than when I got the card, mostly because a CA fell off. I should have just waited 2 mos., but I was anxious to get the monthly FICO.

---

based on what ive read on here people seem to be getting increases every 4 months from hitting the luv button. some get lucky some dont. I too have been looking at walmart for a store card being i do alot of shopping there.

[namvet]

I've received  3 increase in credit lines as requested during the 1st 6 months of card ownership.  Only PIF once during that period.  YMMV

[LS2982]

@namvet Was your overall util. high on those CLI attempts?

[CS800]

---

bichonmom wrote:

Has anyone hit the luv button more than every 4 mos? Have you had any success in getting a CLI more often than every 4 mos? Also wondering if you've ever gotten a Discover offer from the luv button.

I am really anxious to PC my WM store card to Discover. My TU FICO is over 100 pts higher than when I got the card, mostly because a CA fell off. I should have just waited 2 mos., but I was anxious to get the monthly FICO.

---

Im curious about that too. I just passed the 4 months mark since my CLI. I would love the Discover version too.

[CS800]

100 points when a collection dropped, outstanding !!

I have a CO dropping off soon. Hope I have the same results lol