Posts: 141
Registered: ‎01-14-2012
Re: Jcpenney card: Research

I just don't understand it... I can only get a $200 CL from GEMB, I try for CLI's and get the "You don't have enough experience at this credit level!" I have a PayPal extras card $4800, Sams Club Discover $3500, Walmart Discover $2300, Amazon $2800, Summit Racing $2000, Care Credit $8000.....So I have sock drawered it!

Starting Score: 675
Current Score: FICO- 777 (04/11/16)
Goal Score: 780+ All Three

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Posts: 1,855
Registered: ‎07-17-2012
Re: Jcpenney card: Research

Approved for $200.00, scores in the mid 600s. From what I have read, it can grow over time so I'm going to work on that every 4 months and figure I should have the CL in the $2000+ range in a year or two. A little here, a little there, helps with the big numbers a few years from now. 

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EQ08 - 718 | TU08 - 729 | EX08 - 727 |
Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
Re: Jcpenney card: Research

You must have a four month PAYMENT HISTORY to get a CLI with GECRB.


I have a $4900 limit with JCP.


Got a $700 CL in 2009 with about a 630-650 score... then got a CLI to 1500 a year later, then 2900, then 4900.


Seems like they don't do CLI like other GECRB accounts. I also am at "Gold" level, but have always paid in full, except maybe a month or two. I've only rec'd cli on a sort of annual basis... between Nov and Jan usually. lol

TU Score is currently 696, and last time I tried for a CLI (maybe last month), JCP denied me LOL....


Go figure. I actually only use it at CVS for the most part unless I get that free $15 coupon for having "gold" status.


Good luck :-)

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