Walmart Initial CL Recon Possible?

WarJar101 · ‎03-14-2013

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

Epcot · ‎03-14-2013

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 849 EX 835 TU 841

somotao · ‎03-15-2013

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

WarJar101 · ‎03-15-2013

@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

Gunnar419 · ‎03-15-2013

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.

jagshere · ‎03-15-2013

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

calihlove75 · ‎03-15-2013

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

WarJar101 · ‎03-15-2013

@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!

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

rushx2112 · ‎03-15-2013

Anyone have similar success with the Amazon store card?

jordanmedical · ‎03-15-2013

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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