Frequent Contributor
Posts: 455
Registered: ‎01-04-2012
Re: How to use your walmart card to get CLI ?

pat0812 wrote:



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


I use my card on a regular basis grocery especially i get a increase every 3 to 4 months i would suggest using the card every month and paying it off instead of using it every other month or every 3 months this is from my personal experience.