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Frequent Contributor
Posts: 341
Registered: ‎08-14-2012
0

Walmart Initial CL Recon Possible?

Just wondering if it's possible to recon the initial CL limit and what's the best way to go about it?

 

Maybe:

 

1. Should I hit the LUV button?

2. Should I hit the LUV button and if denied, call the #UW number?

3. Should I just go straight to an UW?

 

Thank you for your input.

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Walmart Initial CL Recon Possible?

There have been a few here that have had success with increasing the initial limit. Call the backdoor number. Worst they can say is no, some tried 2-3 times before being successful.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Frequent Contributor
Posts: 271
Registered: ‎08-13-2011
0

Re: Walmart Initial CL Recon Possible?

Absolutely Possible...I call the Backdoor number and was able to get my initial CL from 600 to 1800. I took just a few minutes


Starting Score: 500s
Current Score: EQ: 693myFICO(9/7/12), TU: 710myFICO(9/2/12), EX Plus:701(lp,4/16/12)
Goal Score: 700

Wallet: Discover IT $5000, Capital One Platinum $15000, Barclays Rewards $5700, Walmart $6000, Amazon Store Card $6000.
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Frequent Contributor
Posts: 341
Registered: ‎08-14-2012
0

Re: Walmart Initial CL Recon Possible?

 


somotao wrote:

Absolutely Possible...I call the Backdoor number and was able to get my initial CL from 600 to 1800. I took just a few minutes


What did you say when you called? I don't physically have the card yet, I'm waiting for it to come in the mail. Should I went until it's all activated or call prior?

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Valued Contributor
Posts: 1,739
Registered: ‎01-23-2013
0

Re: Walmart Initial CL Recon Possible?

I would call prior to activation and as soon as possible after approval. Call the backdoor number listed in the well known thread. You don't have to say anything much; just that you shop there a lot and feel that your credit might merit a larger CL.

 

 

 

Regular Contributor
Posts: 134
Registered: ‎07-07-2011
0

Re: Walmart Initial CL Recon Possible?

I used this number 800-480-0205, good luck!


12/28 EX 745( FAKO)
12/28 DCU 742 FICO
12/28 WM TU 796 FICO
Walmart Discover 15k |CSP 14.4k | Penfed Cash Rewards 9k |DCU 7.5k | Chase Freedom 8k | FNFG 5k | Discover 6.4k| BOA 4k | BCE 3k


Established Contributor
Posts: 803
Registered: ‎05-16-2012
0

Re: Walmart Initial CL Recon Possible?

Go straight through underwriting. I did when I got my Walmart Discover from $2000 to $5000. I did have a 15 month history on my Amazon account..not sure if that made a difference.

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Frequent Contributor
Posts: 341
Registered: ‎08-14-2012
0

Re: Walmart Initial CL Recon Possible?


jagshere wrote:

I used this number 800-480-0205, good luck!


Thanks for the number jagshere, I was able to recon my initial credit limit to 1.5k!Smiley Happy

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
New Contributor
Posts: 119
Registered: ‎03-12-2013
0

Re: Walmart Initial CL Recon Possible?

Anyone have similar success with the Amazon store card?

Established Contributor
Posts: 1,011
Registered: ‎04-08-2012
0

Re: Walmart Initial CL Recon Possible?

I did a month ago, went from 800 to 1500 (should have asked for more). Called the UW number in the backdoor # thread.

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

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