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Walmart Discover CLI questions

Established Contributor

Walmart Discover CLI questions

 

 

Hello: I have had walmart credit card for almost 3 months.  I have read from others experiences that we can request soft pull CLI after 4th month statement gets generated.

 

So, for a successful CLI, what kind of spending patterns did you all demonstrate?  How much did you charge per month and did you let the statements report the balance?

 

Or is it better to charge some, and pay infull before statement generates?  Or does spending/payment patterns does not matter?

 

Also, how much CLI did you guys request?

 

I am currently at $10,000 and not sure how much I could ask for SP CLI.

 

 


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 1 of 13
12 REPLIES
Super Contributor

Re: Walmart Discover CLI questions


tennisfan78 wrote:

 

 

Hello: I have had walmart credit card for almost 3 months.  I have read from others experiences that we can request soft pull CLI after 4th month statement gets generated.

 

So, for a successful CLI, what kind of spending patterns did you all demonstrate?  How much did you charge per month and did you let the statements report the balance?

 

Or is it better to charge some, and pay infull before statement generates?  Or does spending/payment patterns does not matter?

 

Also, how much CLI did you guys request?

 

I am currently at $10,000 and not sure how much I could ask for SP CLI.

 

 


NICE

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 13
Valued Contributor

Re: Walmart Discover CLI questions

Well since its GE, ask for $20K and they will counter you with what they can give you if it is lower. 


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 3 of 13
Established Contributor

Re: Walmart Discover CLI questions

Ok, thanks

Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 4 of 13
Established Member

Re: Walmart Discover CLI questions

I dont know what to do with a $10k Walmart card. I would be lost with a $20k card... lol

Rebuilding since BK Discharge on 09/2006
Gardening Since 02/19/2013
Credit.com (707) Credit Sesame (801) Walmart (709) Credit Karma (688) Quizzle (714)


Message 5 of 13
Mega Contributor

Re: Walmart Discover CLI questions


ttaurean30 wrote:

I dont know what to do with a $10k Walmart card. I would be lost with a $20k card... lol


Smiley Very Happy

 

I would call Credit Solutions after your 4th statement and tell them 20K, they will counter.

 

1877 379 8173




EQ FICO 548 3/3/16
Message 6 of 13
Regular Contributor

Re: Walmart Discover CLI questions

I've been a Walmart card member since November 2012, but most months I pif before my statement cuts. If I pay my balance in full before the statement date, and a statement is not generated does it count towards the 4th statement for CLI purposes? Is 4th statement the same as 4 billing cycles?

Starting Scores: 667 EQ 09/2013 | 682 TU08 01/2014 | 689 EX 06/2014(via AMEX CLI)
Current Scores: 667 EQ 09/2013 | 735 TU08 12/2016 | 748 EX 12/2016

AMEX BCE $25K | AMEX Zync NPSL | Cap1 Quicksilver MC $6.9K | NFCU Visa Signature cashRewards $20K
NFCU NavChek $15K | PenFed Visa Platinum Cash Rewards $5.9K | Target Visa $11K | Comenity VS $6K | Walmart $4.5K
Message 7 of 13
Mega Contributor

Re: Walmart Discover CLI questions


awal wrote:
I've been a Walmart card member since November 2012, but most months I pif before my statement cuts. If I pay my balance in full before the statement date, and a statement is not generated does it count towards the 4th statement for CLI purposes? Is 4th statement the same as 4 billing cycles?

It depends on when you got your last CLI if you were successful (4 months from that day). If the account is new, then its 4 statement cuts.

 

I've also seen some YMMV situations getting increases from Credit Solutions before 4 months, so anything is possible Smiley Tongue




EQ FICO 548 3/3/16
Message 8 of 13
Senior Contributor

Re: Walmart Discover CLI questions

I PIF and never let a balance report. I spent $100-200 a month on it, some months 0 spend.

I'm at $15k and they've told me to wait a few more months for further clis.
So I'd ask for $20k.
I did that when I was at $10k and they countered with $15k.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 9 of 13
Established Contributor

Re: Walmart Discover CLI questions


ttaurean30 wrote:

I dont know what to do with a $10k Walmart card. I would be lost with a $20k card... lol


LOL. I am sure it is only a matter of time before you get $20K


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 10 of 13