pat0812 wrote:
Hello,
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.
