topic Re: GE store cards auto cli's in Credit Card Approvals

GE store cards auto cli's

TravellingNomad — Mon, 03 Jun 2013 04:29:33 GMT

so last night i pulled my free annual reports and was reviewing my tl's. i was surprised to see that both my GE Gap and America's Tire store cards were given auto cli's the same time back in January!. logged on to both accounts and sure enough...gap limit up from $400 to $500 and america's tire limit doubled to $2k from 1k! i've only had both cards less than a year. this is actually the second time my gap card was auto cli'd ($100 each time). i wish my discover and chase cards would give me the same faith...but hey im happy with getting the cli's...an auto at that too regardless that it was only my store cards!

Re: GE store cards auto cli's

Creditaddict — Mon, 03 Jun 2013 04:34:01 GMT

@TravellingNomad wrote:
so last night i pulled my free annual reports and was reviewing my tl's. i was surprised to see that both my GE Gap and America's Tire store cards were given auto cli's the same time back in January!. logged on to both accounts and sure enough...gap limit up from $400 to $500 and america's tire limit doubled to $2k from 1k! i've only had both cards less than a year. this is actually the second time my gap card was auto cli'd ($100 each time). i wish my discover and chase cards would give me the same faith...but hey im happy with getting the cli's...an auto at that too regardless that it was only my store cards!

UMM... Thats great that you got auto CLI but when it comes to GE you need to be on them like clock work... put it in your calendar... 4 months you need to be online and clicking that luv button, automated over the phone or in the sticky above in "BACKDOOR NUMBERS" you call "CREDIT SOLUTIONS" and ask that they increase both cards to $5k... I know sounds silly but they will counter and you might be shocked! But for the love of all, at least click love button online or on phone PLEASE!

Re: GE store cards auto cli's

TravellingNomad — Mon, 03 Jun 2013 04:51:16 GMT

thanks for the info CreditAddict. im just worried of them doing a hp if i request a cli. garden mode right now til the end of the year so i can app for a personal LOC and a visa (hopefully will be given a signature) at the end of th year with my CU. a bunch of inqs from 2011 will be gone from my cr's as well as a judgement from 2006. but i will definitely ask for something hogher by early next year.

Re: GE store cards auto cli's

Creditaddict — Mon, 03 Jun 2013 04:51:13 GMT

@TravellingNomad wrote:
thanks for the info CreditAddict. im just scared of the hp if i request a cli. garden mode right now til the end of the year so i can app for a personal LOC and a visa (hopefully will be given a signature) at the end of the year with my CU. a bunch of inqs from 2011 will be gone from my cr's as well as a judgement from 2006. but i will definitely ask for something hogher by early next year.

GE is NEVER HP for CLI

Re: GE store cards auto cli's

TravellingNomad — Mon, 03 Jun 2013 04:54:18 GMT

well then...i guess i know what i'll be doing tomorrow morning on mu day off LOL! i'lll keep you posted! thanks for the enlightenment!

Re: GE store cards auto cli's

Creditaddict — Mon, 03 Jun 2013 04:58:42 GMT

@TravellingNomad wrote:
well then...i guess i know what i'll be doing tomorrow morning on mu day off LOL! i'lll keep you posted! thanks for the enlightenment!

and INQ 2011?? INQ count against you for 1 year... now your bad account is a different story if you want that to drop off but credit unions are usually good about that... i would apply for the credit card now.... by next year you will be 6 months in and will have history and can be on your first CLI and with that kind of history applying for a personal loan! banks want history.... you are passing up a great amount of time of history.

Re: GE store cards auto cli's

TravellingNomad — Mon, 03 Jun 2013 05:17:02 GMT

dang, im getting schooled left and right tonight lol! about pulling the trigger with my CU...the loan analyst and loan department supervisor who reviewed my app last month were actually the ones who advised me about re-app'ing end of this year for the visa and loc to raise my score a bit more. loan dept super told me i didnt meet the minimum score to get approved. the judgement falls off later this year so they said it would help me a lot if i app again when it was gone. also to make sure i dont miss any payments on my cc's and other loans. but yeah i will be apping earlier than end of the year because i just paid the balance of 5.5k on one of my personal loan...and will be paying off my 5 cc balance down to 0 within the next few days. so with all of these coming intobplay...im set (at least hoping) for my CU to approve me for the loc and cc. appreciate you helping me out with a plan of action!

Re: GE store cards auto cli's

Creditaddict — Mon, 03 Jun 2013 05:28:40 GMT

What other credit cards you have besides these GE?
What Credit Union?
What was scores from them?

Re: GE store cards auto cli's

indiolatino61 — Mon, 03 Jun 2013 05:33:04 GMT

@Creditaddict wrote:
@TravellingNomad wrote:
so last night i pulled my free annual reports and was reviewing my tl's. i was surprised to see that both my GE Gap and America's Tire store cards were given auto cli's the same time back in January!. logged on to both accounts and sure enough...gap limit up from $400 to $500 and america's tire limit doubled to $2k from 1k! i've only had both cards less than a year. this is actually the second time my gap card was auto cli'd ($100 each time). i wish my discover and chase cards would give me the same faith...but hey im happy with getting the cli's...an auto at that too regardless that it was only my store cards!
UMM... Thats great that you got auto CLI but when it comes to GE you need to be on them like clock work... put it in your calendar... 4 months you need to be online and clicking that luv button, automated over the phone or in the sticky above in "BACKDOOR NUMBERS" you call "CREDIT SOLUTIONS" and ask that they increase both cards to $5k... I know sounds silly but they will counter and you might be shocked! But for the love of all, at least click love button online or on phone PLEASE!

Oh so true...especially calling Credit Solutions. You'll most likely get a higher CLI via them than the luv button.

Re: GE store cards auto cli's

TravellingNomad — Mon, 03 Jun 2013 06:02:20 GMT

@Creditaddict wrote:
What other credit cards you have besides these GE?
Alliant CU Visa
Chase Freedom
Discover Miles
Cap1 (not sure if i have the credit steps card, but it's been stuck at $600 cl for the past several years)
BBRZ

What Credit Union? Golden 1

What was scores from them? EQ 658...i thought I was at about 670

@indiolatino61 wrote:
Oh so true...especially calling Credit Solutions. You'll most likely get a higher CLI via them than the luv button.

going to try my luck tomorrow

Re: GE store cards auto cli's

Creditaddict — Mon, 03 Jun 2013 06:06:30 GMT

Send email to president of capital and ask for the credit line to he increased to match your other cards, not knowing all isn't I would ask for $5k and let them counter. (That will be SP also)
I'm on cell so can't private you the email but maybe someone else can or private me and I will tomorrow.
I hear others say they have better luck with Discover AFTER they have it product changed from more to the new it ( no pull for that)

So there you go, 4 things you can do with no credit pulls and no new accounts that should have some good results getting you even more in line for tour new year apps with your cu

Re: GE store cards auto cli's

LS2982 — Mon, 03 Jun 2013 10:28:36 GMT

@TravellingNomad wrote:
thanks for the info CreditAddict. im just worried of them doing a hp if i request a cli. garden mode right now til the end of the year so i can app for a personal LOC and a visa (hopefully will be given a signature) at the end of th year with my CU. a bunch of inqs from 2011 will be gone from my cr's as well as a judgement from 2006. but i will definitely ask for something hogher by early next year.

GE accounts are SP CLI's other than CareCredit.

Re: GE store cards auto cli's

LS2982 — Mon, 03 Jun 2013 10:29:00 GMT

@Creditaddict wrote:
@TravellingNomad wrote:
thanks for the info CreditAddict. im just scared of the hp if i request a cli. garden mode right now til the end of the year so i can app for a personal LOC and a visa (hopefully will be given a signature) at the end of the year with my CU. a bunch of inqs from 2011 will be gone from my cr's as well as a judgement from 2006. but i will definitely ask for something hogher by early next year.
GE is NEVER HP for CLI

Not true, CareCredit is HP for CLI.

Re: GE store cards auto cli's

TravellingNomad — Mon, 03 Jun 2013 17:29:48 GMT

@Creditaddict wrote:
Send email to president of capital and ask for the credit line to he increased to match your other cards, not knowing all isn't I would ask for $5k and let them counter. (That will be SP also)
I'm on cell so can't private you the email but maybe someone else can or private me and I will tomorrow.
I hear others say they have better luck with Discover AFTER they have it product changed from more to the new it ( no pull for that)

So there you go, 4 things you can do with no credit pulls and no new accounts that should have some good results getting you even more in line for tour new year apps with your cu

ok so i call this morning and asked if they can raise my Gap card limit to 4k. it was a no go for the cli lol. its ok...i kinda felt it since the rep i spoke with sounded like he didnt want to be there. i'll try again when the balances on my cc's are showing paid on my reports. thanks for the info guys! btw..sent you a pm.

Re: GE store cards auto cli's

wwtthhpp — Mon, 03 Jun 2013 17:56:53 GMT

Wait a minute. So I can ask for a CLI on my Amazon without worrying about a HP? Wow, I rarely ever ask for CLI as I just wait for auto CLI.

I know AMEX also does SP but what are some other credit accounts that do SP for CLI?

Here are my accounts (any qualify?):

Citi Thank You Preferred: Current Limit is $3500

Costco American Express: Current Limit is $4500

Walmart Discover: Current Limit is $4300

Amazon Store Card: Current Limit is $3100

Home Depot Card: Current Limit is $1300

Bill Me Later: Current Limit is $2000

Gettington: Current Limit is $1500

Dell: Current Limit is $3000

Regions Rewards Visa: Current Limit is $2500

Macy's: Current Limit is $1000

Re: GE store cards auto cli's

creditjail — Mon, 03 Jun 2013 18:10:11 GMT

Much love from GE within the last few months for me...today I just requested CLI on my Ashley Card went from $3000 to $6500. About the middle of April I requestes CLI on my Lowe's card that went from $6700 to $8000 and each time they ask what I want but I'm too nervous to ask for something outrageous.

Re: GE store cards auto cli's

Creditaddict — Mon, 03 Jun 2013 20:29:01 GMT

@wwtthhpp wrote:
Wait a minute. So I can ask for a CLI on my Amazon without worrying about a HP? Wow, I rarely ever ask for CLI as I just wait for auto CLI.

I know AMEX also does SP but what are some other credit accounts that do SP for CLI?

Here are my accounts (any qualify?):

Citi Thank You Preferred: Current Limit is $3500 - My understanding is if you go in and click credit line increase online and it asks you some info but doesn't lay out steps and just click to submit, that will spit back an instant offer and that's SP... I looked yesterday on my partners account and first screen asked for some info and then goes to 2nd screen and shows confirming and a 3rd and 4th step.... that would be a HP if you went on from what I get from others...

Costco American Express: Current Limit is $4500 - After account is open for 60 days if your first amex you can request 3x current CL or 6 months from last request or last opening of an account... yes I know 3x seems like a lot but that's what it is... it's always SP and the system will counter instant if it won't give full amount. I suggest doing it on the automated phone... online gives errors a lot! or with a rep is fine...

Walmart Discover: Current Limit is $4300 - SP Click online or call "Credit Solutions" on backdoor numbers (Just like Ashley, probably BIG increases every 4 months!)

Amazon Store Card: Current Limit is $3100 - SP Click online or call "Credit Solutions" on backdoor numbers (Just like Ashley, probably BIG increases every 4 months!)

Home Depot Card: Current Limit is $1300 - Again this is Citi it will tell you if it will pull credit, if you don't see any information about pulling credit it's in the system and you click submit it will spit back an offer.

Bill Me Later: Current Limit is $2000 - as you charge they may increase the line... don't think you can get it to go higher unless you try to charge higher... doesn't report anyway

Gettington: Current Limit is $1500 - not sure what it is

Dell: Current Limit is $3000 - webbank... they should be SP but might want to post to double check with others in it's own thread

Regions Rewards Visa: Current Limit is $2500

Macy's: Current Limit is $1000 - should be SP and you can request every 3 months. ask for like $5k... they will counter