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Frequent Contributor
907grown
Posts: 261
Registered: ‎08-09-2009
0

Never asked for CLI, frozen credit

I was paying my Walmart card online and noticed they had doubled my CL. This is a good thing I guess, but I never requested it and I have my CR frozen. Do they just randomly do this without pulling credit? I've only had the card for about 3 months, used it a few times and paid it down, almost in full, if nothing else it helps my util %!!
img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/2760iB9166C1A493A3CBC" border="0" width="50" height="67" align="right">http://ficoforums.myfico.com/t5/image/serverpage/image-id/2760iB9166C1A493A3CBC
Starting Score: 460
Current Score: EQ 638, TU 660, EX 639,
Goal Score: 750
Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
0

Re: Never asked for CLI, frozen credit

Freezing your report only keeps future creditors from pulling your report, not ones you have a current relationship with.

Frequent Contributor
907grown
Posts: 261
Registered: ‎08-09-2009
0

Re: Never asked for CLI, frozen credit

Without written permission?
img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/2760iB9166C1A493A3CBC" border="0" width="50" height="67" align="right">http://ficoforums.myfico.com/t5/image/serverpage/image-id/2760iB9166C1A493A3CBC
Starting Score: 460
Current Score: EQ 638, TU 660, EX 639,
Goal Score: 750
Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
0

Re: Never asked for CLI, frozen credit

They don't need written permission, you have a current relationship with them and they have PP.

Valued Contributor
Gunnar419
Posts: 1,158
Registered: ‎01-23-2013
0

Re: Never asked for CLI, frozen credit


guiness56 wrote:

They don't need written permission, you have a current relationship with them and they have PP.


+1

 

Also, GERCB, the backing bank for this card, is known for giving fast and generous CLIs. And their automatic CLI (in fact, I believe all their CLIs) are given with soft pulls. So be glad. This is a good thing.

 


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