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Established Contributor
Posts: 544
Registered: ‎08-09-2009
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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 761, TU 761, EX 740,
BOA AK AIR 30,000, Discover IT 6300, Freedom 25,300, Barclays RMC 15,660, Ring 15,000, BCE 5,000, QS17,000,AARP 15,000, ChaseFU 8,000,AND A LOT MORE!
Epic Contributor
Posts: 22,398
Registered: ‎01-17-2008
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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.

Established Contributor
Posts: 544
Registered: ‎08-09-2009
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Re: Never asked for CLI, frozen credit

Without written permission?


Starting Score: 460
Current Score: EQ 761, TU 761, EX 740,
BOA AK AIR 30,000, Discover IT 6300, Freedom 25,300, Barclays RMC 15,660, Ring 15,000, BCE 5,000, QS17,000,AARP 15,000, ChaseFU 8,000,AND A LOT MORE!
Epic Contributor
Posts: 22,398
Registered: ‎01-17-2008
0 Kudos

Re: Never asked for CLI, frozen credit

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

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Valued Contributor
Posts: 2,025
Registered: ‎01-23-2013
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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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