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Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011
0

Walmart account closed......

[ Edited ]
Hey guys...have not had an increase in over a year.......closed it down.....only 1.5 years old...hope is does not affect my score that much......just never used it......I know getting my TU is a plus but. Just Dont use it and GE has not been kind to me.......875 CL......but just got approved for a CU visa rewards card....2500cl...

Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012
0

Re: Walmart account closed......


amercnchopz34 wrote:
Hey guys...have not had an increase in over a year.......closed it down.....only 1.5 years old...hope is does not affect my score that much......just never used it......I know getting my TU is a plus but. Just Dont use it and GE has not been kind to me.......

Did you ask for an increase?  I've had mine since 12/09, and they gave me one auto CLI during that time (went from $600 to $800).  I initiated a CLI by their automated phone system in January, and they bumped it up to $1200.  For the free FICO score (and the periodic increases that I now plan to ask for since learning about GE and their soft pulls), I consider these two good reasons to keep mine.


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Community Leader
Senior Contributor
laz98
Posts: 4,335
Registered: ‎09-06-2008
0

Re: Walmart account closed......

If you never used it, it's unlikely that they would give you an increase.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 716. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Frequent Contributor
Brian_Trying_700
Posts: 445
Registered: ‎09-14-2011
0

Re: Walmart account closed......

Cards like being used and abused, but also being paid on time.

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Established Contributor
pakman92
Posts: 650
Registered: ‎03-01-2012
0

Re: Walmart account closed......


amercnchopz34 wrote:
Hey guys...have not had an increase in over a year.......closed it down.....only 1.5 years old...hope is does not affect my score that much......just never used it......I know getting my TU is a plus but. Just Dont use it and GE has not been kind to me.......

It won't hurt your score except for the util.  But, you are saying the CL was so low anyway, I assume it won't have much of an impact on the util.  It will only matter afer 10 years when it falls of our credit report.


My Starting Score: EQ: 691 (11/30/11) TU98: 726 (11/30/11)
My Current Score: EQ: 779 (04/22/13) TU08: 835 (06/03/13)
DW Starting Score: EQ: 742 (03/02/12) TU98: 748 (03/02/12)
DW Current Score: EQ: 784 (03/11/13) TU08: 775 (06/03/13)
Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011
0

Re: Walmart account closed......


TNTransplant wrote:

amercnchopz34 wrote:
Hey guys...have not had an increase in over a year.......closed it down.....only 1.5 years old...hope is does not affect my score that much......just never used it......I know getting my TU is a plus but. Just Dont use it and GE has not been kind to me.......

Did you ask for an increase?  I've had mine since 12/09, and they gave me one auto CLI during that time (went from $600 to $800).  I initiated a CLI by their automated phone system in January, and they bumped it up to $1200.  For the free FICO score (and the periodic increases that I now plan to ask for since learning about GE and their soft pulls), I consider these two good reasons to keep mine.


Yes I asked...They said no.....they did not seem to care that I was closing....so oh we'll.....

Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011
0

Re: Walmart account closed......


laz98 wrote:

If you never used it, it's unlikely that they would give you an increase.


Used it to buy a camera...800.......pif....in 2 months....nothing.....waited 3 months after paid in full...asked ...nope

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Walmart account closed......

@amercnchopz Sorry to hear! GE can be stubborn on CLI's with cards that arent used alot.



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
Frequent Contributor
ctb89
Posts: 419
Registered: ‎03-05-2012
0

Re: Walmart account closed......

Why close a no AF card? Why not just SD it?
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Walmart account closed......


ctb89 wrote:
Why close a no AF card? Why not just SD it?

Thats how I always feel.




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

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