Regular Contributor
Posts: 137
Registered: ‎10-12-2012
Re: JCP - 2 Months, Worth Trying For A CLI?
[ Edited ]


masscredit wrote:

My JCP account was opened the 3rd week of Sept with a $200.00 limit. Have given it use and PIF. Worth trying now or just wait until January?

As others have said, you should wait at least 4 months. Also remember that JCP (or any other GE backed card) keeps an internal FICO score that they pull every 90 days or so. If you know when they soft pull you and make your timing right then n you have a very good shot at getting a good CLI.


I called them about a month ago knowing that their internal score has just refreshed. They told me they would need to hard pull CR. I said OK. Actually they never did because they have a fresh score in the system.

FICO Scores 8: EX 731, EQ 731, TU 725

Credit Cards: Chase Freedom 9.5K | AMEX TrueEarnings 4.5K | Cap1 Venture Visa 3.5K | Cap1 QS MC 3.5K | Discover IT 1K | Cap1 Spark Cash 15K | AMEX SimplyCash 9K

Store: PayPal SmartConnect 10K | JCP 5.2K | Banana 3.3K | Walmart 4.5K | Kohls 1.5K | TargetRED 200