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Walmart Initial CL Recon Possible?

Frequent Contributor

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.

Rebuilding...been out of the game for a minute. Now, after suffering I'm back with greater wisdom. Scores: Currently @ around 6 teens to 20's, across all three EQ,TU, EX
Message 1 of 17
16 REPLIES
Valued Contributor

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 832 EX 783 TU 816
App free since 9/15/15
Message 2 of 17
Frequent Contributor

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: 708myFICO(7/15/17), TU: 721myFICO(7/15/17), EX: 701myFICO(7/15/17)
Goal Score: 750

Wallet: Discover IT $50300, Capital One Platinum $17000, Barclays Rewards $6700, Walmart $6000, Amazon Store Card $6000 Chase Sapphire Preferred $5000, Chase Sapphire Reserve $10000, Bank of America Cash Rewards $500. BestBuy $10000
Message 3 of 17
Frequent Contributor

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?

Rebuilding...been out of the game for a minute. Now, after suffering I'm back with greater wisdom. Scores: Currently @ around 6 teens to 20's, across all three EQ,TU, EX
Message 4 of 17
Valued Contributor

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.

 

 

 

Message 5 of 17
Regular Contributor

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


Message 6 of 17
Established Contributor

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
Message 7 of 17
Frequent Contributor

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

Rebuilding...been out of the game for a minute. Now, after suffering I'm back with greater wisdom. Scores: Currently @ around 6 teens to 20's, across all three EQ,TU, EX
Message 8 of 17
New Contributor

Re: Walmart Initial CL Recon Possible?

Anyone have similar success with the Amazon store card?

Message 9 of 17
Established Contributor

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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Message 10 of 17