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Frequent Contributor
Posts: 422
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 %!!


Starting Score: 460
Current Score: EQ 672, TU 691 EX 663,
Discover IT 1700, Freedom 9500, Slate 4800, Amazon CC 4000, Marriott rewards 7000, AMEX Green NPSL, Walmart 3300 barclays rewards 2950, US AIR 4000, MAC 3000, Lowes 7000 Care Credit 5000, AMEX green, Walmart MC 1200
Epic Contributor
Posts: 22,406
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
Posts: 422
Registered: ‎08-09-2009
0

Re: Never asked for CLI, frozen credit

Without written permission?


Starting Score: 460
Current Score: EQ 672, TU 691 EX 663,
Discover IT 1700, Freedom 9500, Slate 4800, Amazon CC 4000, Marriott rewards 7000, AMEX Green NPSL, Walmart 3300 barclays rewards 2950, US AIR 4000, MAC 3000, Lowes 7000 Care Credit 5000, AMEX green, Walmart MC 1200
Epic Contributor
Posts: 22,406
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
Posts: 1,653
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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