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Established Contributor
tennisfan78
Posts: 636
Registered: ‎09-18-2011
0

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
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Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
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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.

 

 


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"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
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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
Established Contributor
tennisfan78
Posts: 636
Registered: ‎09-18-2011
0

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

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Established Member
ttaurean30
Posts: 38
Registered: ‎03-16-2013
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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
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Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
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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


:smileyvery-happy:

 

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

 

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Regular Contributor
awal
Posts: 222
Registered: ‎10-25-2010
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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 | 685 EX 03/2013(via AMEX App)
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Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
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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 :smileytongue:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

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| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
tennisfan78
Posts: 636
Registered: ‎09-18-2011
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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
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