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Super Contributor
concorduser
Posts: 6,025
Registered: ‎09-18-2007

What is your expereince with Walmart Discover CLI's?

What is your expereince with Walmart Discover CLI's? Yesterday, I got it approved with a CL of $1100.

Frequent Contributor
scientifics
Posts: 411
Registered: ‎05-01-2010

Re: What is your expereince with Walmart Discover CLI's?

Discover is always pretty conservative with CLIs...I've never gotten an increase of more than 10-20% (~$1k).

Super Contributor
concorduser
Posts: 6,025
Registered: ‎09-18-2007

Re: What is your expereince with Walmart Discover CLI's?


scientifics wrote:

Discover is always pretty conservative with CLIs...I've never gotten an increase of more than 10-20% (~$1k).


Was it every 4 months like other GEMB Cards?

Frequent Contributor
scientifics
Posts: 411
Registered: ‎05-01-2010

Re: What is your expereince with Walmart Discover CLI's?

Discover gave me an auto CLI after about 6 months of a few hundred dollars. My only other CLI was when I called and asked and took a hard pull.

Valued Contributor
scottwagnon
Posts: 1,333
Registered: ‎02-07-2010

Re: What is your expereince with Walmart Discover CLI's?

 CLI 3K -- PRIOR CREDIT LIMIT -- 4K
 
Current Balance* :$55.35 
Minimum Payment Due :$0.00Make a Payment
Payment Due Date :09/16/2011 
 
 
 
Available Credit* :$6,944.00Request Increase
Available For Cash Advance* :$800.00 
Total Credit Limit :$7,000.00 
 
 
 
Last Payment :$50.00 
Last Payment Posted :09/12/2011View Online
Payment History
 
 
 
 
Last Statement Date :08/24/2011 
Last Statement Balance :$74.59View Statement
EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859
Regular Contributor
bobebob
Posts: 244
Registered: ‎08-14-2011

Re: What is your expereince with Walmart Discover CLI's?

[ Edited ]

Along the lines of the post, I have a question:

 

I am planning to ask for a credit increase at about the 6 month point (March '12).  The original CL they instantly approved me for when I applied online was $1300.  This seemed rather anemic given my other CL's and my scores.

 

If I called and talked to a CSR would I be more likely to get a higher CLI?   I'd like to see 4 or 5K CL.  It probably wouldn't affect me much if it was a HP at that point.

 

Think they'll go for it, or would I be wasting an INQ?

 

Thanks,


 [edited to actually use a question mark for my question]

bobebob || June: My FICO SW EQ(Upgraded Version) = 821 ||June: Walmart TU Fico=834Goal = FICO's>800 || In my wallet: CostcoAmEx(20k), DCU Visa Platinum (10k), BoA Visa Signature (17.1k), Walmart Discover (7.5k), AmEx Corporate (5k). All PIF every month.
Mega Contributor
Creditaddict
Posts: 18,585
Registered: ‎10-23-2007

Re: What is your expereince with Walmart Discover CLI's?

This thread was started for the "Walmart Discover" which is a GE card, and it appears 1 or 2 posters have been referring to a real discover card.

 

As far as the GE Walmart Discover it's going to be similar to other GE cards, CLI every 4 months, it seems to be random who gets the $125 CLI and who gets the $3k CLI but I think Walmart/Sams are a little bit better usually regarding CLI.

Fico Scores: EQ 639 Navy, TU 667 GE, EX 677 Prosper (06-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:

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