Established Contributor
Posts: 772
Registered: ‎01-03-2012
Re: Walmart CLI easy for some, not for others

S7 wrote:

The reason I was given was insufficent experience at current credit limit". 

 

No baddies, no balances on any other cards. 


This is GE's standard response.  Take your time and don't get frustrated - with positive payment history it will eventually rise.  I started out at $600 and got auto increased to $800 in January of this year.  Since that time, I've asked for CLI's every 4 months and been PC'd to the Discover version, with a current limit of $4000.  You'll get there. Smiley Happy


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Established Contributor
Posts: 568
Registered: ‎08-24-2012
Re: Walmart CLI easy for some, not for others

Thank you! Smiley Happy 

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Contributor
Posts: 84
Registered: ‎03-11-2011
Re: Walmart CLI easy for some, not for others
[ Edited ]

toppers555 wrote:

Also make sure your accounts are generating statements or else you will never get an increase. 


 

It is possible to get an increase with no statements with GE backed cards.

 

Within the past month, I was able to get CLI's on two accounts:

 

WalMart - no statements or balance for 2 months - 600 CLI

JCPenney - no statements or balance for 6 months - 1400 CLI

 

 Both cards will be two years old next month. The JCP card never had a CLI. The WalMart card had one at the 4 month mark...nothing after that until last month.


Starting Score: 534 11/09
Current Score: FICO 652 05/11
Goal Score: 700+


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Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012
Re: Walmart CLI easy for some, not for others

i got a increase from 150 to 1500 just 7  days from my 4th month with walmart. ive never used the card since i got it. TU score 693 with 17 new accounts opened in last 5 months and 9 inqs in TU..

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Established Contributor
Posts: 568
Registered: ‎08-24-2012
Re: Walmart CLI easy for some, not for others

Well heck! Smiley LOL

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Moderator
Posts: 13,892
Registered: ‎04-15-2011
Re: Walmart CLI easy for some, not for others

Patience!!!!   Wait until after the 4th statement cuts, then try.  Smiley Happy

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Established Contributor
Posts: 568
Registered: ‎08-24-2012
Re: Walmart CLI easy for some, not for others

YOU of ALLLLLL people, know I have zilch! LOL! I will dig some up. Smiley Happy Smiley Happy Smiley Happy

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
Re: Walmart CLI easy for some, not for others

You'll find comfort in this S7, lol.  Found out my statement had cut yesterday, previous to that I had put through ~450 (600 CL) and PIF, so I figured, what the hell.  Requested 1600, denied outright, no counter.  As expected of course, so no complaints.  I really just wanted to toe the line.  I'll wait until the 4th statement before asking again.  Maybe even the 5th to give it 4 statements between requests.

 

It's tough finding amusing things to do when you're really just playing the waiting game on your credit.  GWilling can only take up so much time, haha.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Established Contributor
Posts: 1,011
Registered: ‎04-08-2012
Re: Walmart CLI easy for some, not for others
[ Edited ]

I got shot down with walmart too, then tehy approved me for an amazon store card for a higher limit, Just don't get GE.

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

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Valued Contributor
Posts: 2,284
Registered: ‎07-23-2012
Re: Walmart CLI easy for some, not for others

i can confirm that statements have no bearing i think. 

 

walmart card went 800-5k since july 28th no statements 

ae apped and approved before walmart 400 used 8x as much have statements for 3 months and no cli given. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000