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Regular Contributor
Posts: 137
Registered: ‎09-10-2012
0

What's the best strategy to get walmart CLI

I just started with a $500 Walmart store card

should I swipe under 10% UTI or should I max out and PIF

i want to be able to get a CLI every 4 months and was wondering 

whats Walmart policy. What do they like to see?

if somebody has experience with them let me know.

 


Starting Score: EX 734 TU 749
Current Score: EX 734 TU 749
Goal Score: EX 766 TU 770


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Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
0

Re: What's the best strategy to get walmart CLI

I started with $600. Got three increases so far: 800, 1600, 2900

Waiting on Discover upgrade.

I used it and carry balance always pay more than min. I carry about 10% and pif now.
2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Regular Contributor
Posts: 144
Registered: ‎06-28-2012
0

Re: What's the best strategy to get walmart CLI

What is your credit look like? If you do not have any recent baddies you can do what I just did. I have had the card less than 30 days. I also started out with a $500 limit. I called the backdoor number and asked for $500 cli so that I can take advantage of the 18 month free financing on electronic purchases of 429+. You could try that. I personally put 175 purchase and I will PIF in a couple days.

 

I do have a JCP that I never requested a CLI since 2001. It started out at $200 and went down to $100 due to inactivity. It was increased to $800 once I started using it mid 2011. Last month I got a $200 CLI bringing it to $1000. I will also request CL from now on. Also, I will say that if you PIF and use it at least every other month you will get CLI. I would use it less than 30% of total CL and PIF every month. Just whats worked for me YMMV!

Starting Scores:
Lender Pull 7/10/2012 EQ 585 EX 617 TU 551
8/2012 MyFico EX 598 01/2013 EX 608 2/2013 EX 620 Smiley Surprised)
9/12/2012 624 (Fico Discover)
02/7/2013 660 (Fico Wally)
At least I'm heading in the right direction!!!

Goal Score:740+, home loan and Get rid of subprime cards!!!



Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: What's the best strategy to get walmart CLI

Tips to get an increase:

 

1. Charge it to the max!

2. Don't pay your balance at all

3. Rack up super interest (my favorite)

4. Threaten to close the card

5. Wait for their reaction!

 

LOL I'm kidding Smiley Very Happy If you keep your line pretty active and PIF every month, you'll see an increase right around the corner! You can call them every four months to request a CLI. They are always soft pull so it won't hurt your credit. GE is generous!

 

 

 

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Highlighted
Valued Contributor
Posts: 1,272
Registered: ‎07-17-2012
0

Re: What's the best strategy to get walmart CLI

I started at $600.00 in August.  Some use the first month (about $220), $540. this month and will probably have light to moderate use after that. I PIF before the due date and will either use the online button or call in every 4 months.  I put it to use this month. Figured there would be no reason for an increase if I only put $100. Ono it each month. 

Barclay RewardsCap 1 VentureCap 1 QuicksilverApple RewardsMerrickWalmartJC PennyRed card
|****$10500***|****$9000*****|****$8000*****|****$3200****|****$1600****|****$6000****|*****$6000*****|****$3000****|
EX - 685 | TU - 716 | EQ - 696| EQ 04 - 721
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: What's the best strategy to get walmart CLI


maiden_girl wrote:

Tips to get an increase:

 

1. Charge it to the max!

2. Don't pay your balance at all

3. Rack up super interest (my favorite)

4. Threaten to close the card

5. Wait for their reaction!

 

LOL I'm kidding Smiley Very Happy If you keep your line pretty active and PIF every month, you'll see an increase right around the corner! You can call them every four months to request a CLI. They are always soft pull so it won't hurt your credit. GE is generous!

 

 

 


someone tryna be funny there lol....you remind me as myself when i was 19 Smiley Very Happy

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: What's the best strategy to get walmart CLI


snsforever916 wrote:

What is your credit look like? If you do not have any recent baddies you can do what I just did. I have had the card less than 30 days. I also started out with a $500 limit. I called the backdoor number and asked for $500 cli so that I can take advantage of the 18 month free financing on electronic purchases of 429+. You could try that. I personally put 175 purchase and I will PIF in a couple days.

 

I do have a JCP that I never requested a CLI since 2001. It started out at $200 and went down to $100 due to inactivity. It was increased to $800 once I started using it mid 2011. Last month I got a $200 CLI bringing it to $1000. I will also request CL from now on. Also, I will say that if you PIF and use it at least every other month you will get CLI. I would use it less than 30% of total CL and PIF every month. Just whats worked for me YMMV!


+1 do this...

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Regular Contributor
Posts: 137
Registered: ‎09-10-2012
0

Re: What's the best strategy to get walmart CLI

hey thx for you reply ?

 

I just started building credit 5 months ago, i don't have a credit score yet, just a credit report

I'm now in my 2nd statement with walmart

i have no baddies, always under 10% UTI and always PIF

 

what number should i call walmart? the personal account? commercial account? or the underwriting ?

 

If i get denied, how long before i can apply again ?


Starting Score: EX 734 TU 749
Current Score: EX 734 TU 749
Goal Score: EX 766 TU 770


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Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: What's the best strategy to get walmart CLI


pat0812 wrote:

hey thx for you reply ?

 

I just started building credit 5 months ago, i don't have a credit score yet, just a credit report

I'm now in my 2nd statement with walmart

i have no baddies, always under 10% UTI and always PIF

 

what number should i call walmart? the personal account? commercial account? or the underwriting ?

 

If i get denied, how long before i can apply again ?


I believe its 60 days with GE related accounts...correct me if I'm wrong.

 

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Regular Contributor
Posts: 137
Registered: ‎09-10-2012
0

Re: What's the best strategy to get walmart CLI

should i go for the advice and ask an immediate CLI from $500 to a $1000 or wait for the 4th month ?

what happens if i click on the automated CLI button on my account but it gives me an error i can't make any request? is it like a denial or just i can't use this feature at the moment ?


Starting Score: EX 734 TU 749
Current Score: EX 734 TU 749
Goal Score: EX 766 TU 770


Take the myFICO Fitness Challenge
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