How to use your walmart card to get CLI ?
10-26-2012 10:05 PM
I got my walmart card 2 months ago with a $400 limit
My first statement cycle closed 2 days after i got my card so i got a $0 balance and no statement
In my second cycle, i used the card once for $59 and PIF after i got the statement, and $59 was reported to all agencies.
Last week i called underwriting to give it a try for CLI, and told them i want to buy some electronics with the 18 no interest rate and we are in the holiday season....
anyway i obviously got denied
Now my question is: How much should i use my card every month to get the best chances for a CLI in the future ?
When will i hit the 4 months ? After my 4th or 5th statement ? because the first month i didn't use the card (only 2 days in the statement cycle )
Does that month counts in my case or not ?
Please advice me from personal experience
Starting Score: EQ 683 TU 714
Current Score: EQ 683 TU 714
Goal Score: EQ 740 TU 740
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