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Walmart Discover question

Senior Contributor

Re: Walmart Discover question

Even with a $10k CL you should still receive auto CLIs congrats. 

Banking with CBofTV, and HSBC.
First Premier CC $500, Discover IT Secured $200, Neiman Marcus $1,500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 12/01/2017
Message 11 of 21
Established Member

Re: Walmart Discover question

Gears kept churning in my head and i saw a few posts about 20-25k walmart cards. The number I had is a direct line to UW, so I called it again and asked for $17,500.00 It was approved. While I would like to go to 25k, i don't want to risk a review and a CLD. I will let it grow for a while before I ask for that much credit.

 

 

All of my walmart pulls exept for the app were softs.

 

Message 12 of 21
Super Contributor

Re: Walmart Discover question


godsentdeath wrote:

Gears kept churning in my head and i saw a few posts about 20-25k walmart cards. The number I had is a direct line to UW, so I called it again and asked for $17,500.00 It was approved. While I would like to go to 25k, i don't want to risk a review and a CLD. I will let it grow for a while before I ask for that much credit.

 

 

All of my walmart pulls exept for the app were softs.

 


So you asked the the limit be cut?

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 13 of 21
Established Member

Re: Walmart Discover question

No, I called on Sunday to recon my initial $1900 CL to $7,500, and then to 10k. I called again tonight and got it up to $17,500.

 

 

I thought about asking for 20 or 25k, but opted against it.

 

 

Message 14 of 21
Senior Contributor

Re: Walmart Discover question

Congrats! and yeah use it here and there and PIF. CLI are unpredicatble they can be of $100 or $2000. Thats a great CL,

Banking with CBofTV, and HSBC.
First Premier CC $500, Discover IT Secured $200, Neiman Marcus $1,500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 12/01/2017
Message 15 of 21
Super Contributor

Re: Walmart Discover question


godsentdeath wrote:

No, I called on Sunday to recon my initial $1900 CL to $7,500, and then to 10k. I called again tonight and got it up to $17,500.

 

 

I thought about asking for 20 or 25k, but opted against it.

 

 


Good move not a good idea to keep poking that bear before you get the card not to mention they are reducing some peoples limits because of selling that division and going public with an IPO

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 16 of 21
Senior Contributor

Re: Walmart Discover question

Yeah dont poke me or else a heard  bears are gonna appear in your front yard.....hahha JK

Banking with CBofTV, and HSBC.
First Premier CC $500, Discover IT Secured $200, Neiman Marcus $1,500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 12/01/2017
Message 17 of 21
Highlighted
Regular Contributor

Re: Walmart Discover question

What exactly did you say to UW to get them to up your CL?
Starting Score: EQ 574 - 08.28.13
High Score: EQ 714 (10/18/13) EX 686 (1/6/14) TU 664 (1/6/14)
Current Score: EQ 686 - EX ____- TU ____

            
Message 18 of 21
Established Member

Re: Walmart Discover question

Both times I told them the same thing.

 

Told them I was just approved on Sunday, I havent gotten the card yet, but I wanted to see if they could raise my CL. I told them I would like additional credit for the upcoming holiday season. They asked how much I wanted and on the second call, after having gotten 10k on the first call, I asked for 17.5k. They said it would be a soft pull, asked income, and put me on hold. approved what I asked for.

Message 19 of 21
Established Member

Re: Walmart Discover question

Got the card yesterday. Registered and signed up for online billing. Signed up for transunion fico. Got a pleasent surpise. TU fico is 730. My 8.9k chase CLI still isnt reporting, so I assume I should see a bump once that happens.

Message 20 of 21