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walmart CLI increase?

Regular Contributor

walmart CLI increase?

I have 5 statements now with my walmart card My CL is $500, if i ask for an increase online do they do a hard pull ?

 

Thanks

Message 1 of 17
16 REPLIES
Regular Contributor

Re: walmart CLI increase?

No it's never a hard pull.  I've gotten 3 CLI by hitting the luv button over the past year in a half.

Message 2 of 17
Established Member

Re: walmart CLI increase?

I'm thinking they always do a soft pull on me once I have an account with them, IIRC. Wait for someone else to reply, though! They have been super good about CLi. Wish Target would take their lead.

Message 3 of 17
New Contributor

Re: walmart CLI increase?

I have many store cards issued by GEMB (Walmart, Chevron, JC Pennys, and a couple more) and they have never pulled hard on my CR's 


Starting Score: Jan 2011-600TU 598 EQ
Current Score: 769 TU 732EQ 750EX Lender Pull
Goal Score: 755 and higher across the board


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Message 4 of 17
Valued Contributor

Re: walmart CLI increase?

my walmart discover recently went from 1000 to 4000 when gemb moved their operations from texas to orlando. but i was constantly requesting a cli, and when they moved their operations, i was approved for an increase.

Message 5 of 17
Valued Member

Re: walmart CLI increase?

Its always been soft for me, $75-$100 CLI every 4 months..like clockwork.

Message 6 of 17
Frequent Contributor

Re: walmart CLI increase?

When hubby received his Walmart card it started at $150 limit. 4 months later They gave him a CLI of $650 bringing it up to $800.



Starting Score: EQ 447 (01/02/2017), TU 476 (01/02/2017), EX 456 (01/02/2017)
Current Score: ALL FICO's as of 03/12/2017: EQ 454, TU 483, EX 440
Goal Score: ABOVE 680 ALL 3
Current Cards: NONE!!! App Free since 12/30/2016 and NOT APPING until 10/2017....
Message 7 of 17
Established Contributor

Re: walmart CLI increase?

It's always a soft pull, or rather, they're going on whatever soft pull they already have on file (electronically) for you.  The way this is evident is:  The answer is given to you less than 1 second after pressing the button.  No company can do a hard pull and analyze it, even automatcially, in less than 1 second.  It seems to me that they already have increases authorized to be given out noted on  your account at all times (or maybe no increase authorized) and when you press the button, you get the result back.

 

Sometimes they don't give out increases and it's hard to know why.  I've gotten dozens of increases on my small collection of GEMB cards, but recently I've hit the button on 2 or 3 of them and got identical rejection letters in the mail.  Again, the rejection was given within one second.  My husband has the Walmart card, not me, and he has gotten increases (they sometimes give them out without you having to ask, by the way), but Walmart's CLIs are notoriously small and in strange amounts, so don't be insulted if they give you a $75 increase or something like that.  Good luck and don't be afraid, it's never a hard pull!

_________________________________________________________
Too many accounts; too many debts; lots of open credit, and lots of utilized credit. Scores somewhere in the 600s - I have no earthly idea exactly what number, but not 700 like it was, briefly.
Message 8 of 17
New Visitor

Re: walmart CLI increase?

I have received a total of two statements from walmart. I requested an increase online shortly after getting the second statement but was denied. I logged onto my account today and noticed that i received an increase of $550-I am not due for my third statement yet. So maybe the request actually prompted them to actually review my credit although i received the online message about not having my account long enough. Its worth a shot!

Message 9 of 17
Mega Contributor

Re: walmart CLI increase?


keikdasneak wrote:

I have 5 statements now with my walmart card My CL is $500, if i ask for an increase online do they do a hard pull ?

 

Thanks


It should be a SP.




EQ FICO 548 3/3/16
Message 10 of 17