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Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
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Walmart Discover cli denied :-(

I figured I'd try for $20k on Walmart Discover since my Paypal MC was recently cli'ed to $25k.

And I got denied through Credit Solutions.
As usual, I asked why and what I could do to improve my cli chances.
I explained that I pif and deliberately keep my util low. Also explained that my TU report only has 2-3 inqs in the last year.
Basically, it's all about length; she said for me to build 6 more months with them, and they should be able to cli to $20k then. I've had a Walmart card since mid 2010. No lates, ever.
I'm at $15k currently.

Anyway, GE does deny sometimes lol
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
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Re: Walmart Discover cli denied :-(

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Walmart Discover cli denied :-(


youngandcreditwrthy wrote:
I figured I'd try for $20k on Walmart Discover since my Paypal MC was recently cli'ed to $25k.

And I got denied through Credit Solutions.
As usual, I asked why and what I could do to improve my cli chances.
I explained that I pif and deliberately keep my util low. Also explained that my TU report only has 2-3 inqs in the last year.
Basically, it's all about length; she said for me to build 6 more months with them, and they should be able to cli to $20k then. I've had a Walmart card since mid 2010. No lates, ever.
I'm at $15k currently.

Anyway, GE does deny sometimes lol

Greedy.......................Smiley Very Happy




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
Posts: 6,279
Registered: ‎08-16-2012
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Re: Walmart Discover cli denied :-(

Haha well, might as well... LOL
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
Established Contributor
Posts: 643
Registered: ‎09-18-2011
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Re: Walmart Discover cli denied :-(

 

 

atleast it is not a HP.

 

I am sure you will get to $20K on this card soon!


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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Established Contributor
Posts: 727
Registered: ‎01-13-2013
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Re: Walmart Discover cli denied :-(

Maybe today is not the CLI day... got denied for my amazon too. after getting cli in all my 4 ge accounts non stop twice this past month...

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Walmart Discover cli denied :-(

Yea my GE luv streak came to a screeching halt too. I have a feeling Im not gonna see any luv for awhile Smiley Sad



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
Posts: 6,279
Registered: ‎08-16-2012
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Re: Walmart Discover cli denied :-(

It's just like everything else with credit lol gotta just give it time!:-)
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
Frequent Contributor
Posts: 288
Registered: ‎08-24-2010
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Re: Walmart Discover cli denied :-(


youngandcreditwrthy wrote:
I figured I'd try for $20k on Walmart Discover since my Paypal MC was recently cli'ed to $25k.

And I got denied through Credit Solutions.
As usual, I asked why and what I could do to improve my cli chances.
I explained that I pif and deliberately keep my util low. Also explained that my TU report only has 2-3 inqs in the last year.
Basically, it's all about length; she said for me to build 6 more months with them, and they should be able to cli to $20k then. I've had a Walmart card since mid 2010. No lates, ever.
I'm at $15k currently.

Anyway, GE does deny sometimes lol

Did you Call GE Credit Solutions or hit the love button? I was decided on the love button for Lowes, ON Visa, Wal Disc.... and I turned around and called GE credit solutions got a total increase betwen the 3 lines of $15k.


Starting Score: 620 FAKO
Current Score: FICO TU 715 (wal-mart) FICO EQ 692
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Frequent Contributor
Posts: 288
Registered: ‎08-24-2010
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Re: Walmart Discover cli denied :-(

whoops just read it again and you did call..Give it a shot in a month or two. If you keep getting denied I'd leave it alone for a while. You don't want them to CLD you. 


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Current Score: FICO TU 715 (wal-mart) FICO EQ 692
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