Re: Walmart CLI easy for some, not for others
11-14-2012 05:37 PM
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. ![]()
Current Score:May 2013: EQ - 749, TU08 - 753, EX - 741 (Amex 4/13)
Goal Score: 760 on each by 12/31/13, Last app - 4/1/13
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Re: Walmart CLI easy for some, not for others
[ Edited ]11-14-2012 09:19 PM - edited 11-14-2012 09:23 PM
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 11/09Current Score: FICO 652 05/11
Goal Score: 700+
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Re: Walmart CLI easy for some, not for others
11-15-2012 02:53 AM
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..
Re: Walmart CLI easy for some, not for others
11-15-2012 07:04 AM
Patience!!!! Wait until after the 4th statement cuts, then try. ![]()
Starting Score: 504Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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Re: Walmart CLI easy for some, not for others
11-15-2012 11:16 AM
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 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012) Starting total revolving credit: $1100 | Current total revolving credit: $7000 Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013 | 700 Club | AMEX Gold NPSL DCU Visa $2000 Cap1 Cash Rewards $2000 BOA Platinum $600 WalMart $800 |
Re: Walmart CLI easy for some, not for others
[ Edited ]11-15-2012 08:08 PM - edited 11-15-2012 08:08 PM
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.
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700
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Re: Walmart CLI easy for some, not for others
11-15-2012 08:22 PM
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: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13) Starting total revolving credit: $2600 | Current total revolving credit: $21,600 Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012 | Freedom Signature Costco:True Earnings | Amex Zync(Unicorn) Chase Freedom$1500 Citizens Mastercard$5000 |
