topic GEMB CC CLI Question in Credit Cards

GEMB CC CLI Question

Anonymous — Sat, 08 Nov 2008 12:29:22 GMT

I notice that when talking about GEMB cards: JC Penny, Walmart, etc... people often talk about requested CLIs. Has anyone ever gotten an auto CLI increase on one of their cards?

Re: GEMB CC CLI Question

notmyname — Sat, 08 Nov 2008 13:25:07 GMT

Yes, Belk.

NMN

Re: GEMB CC CLI Question

GFer — Sat, 08 Nov 2008 13:27:42 GMT

Yes, but the stars were aligned just so...

Re: GEMB CC CLI Question

marty56 — Sat, 08 Nov 2008 15:14:01 GMT

Yes, my Sams card went from 300 to 3100 and I never asked for a CLI. Took 4 years and it went up incrementaly.

Re: GEMB CC CLI Question

Anonymous — Sat, 08 Nov 2008 15:28:08 GMT

Yep - I got a Banana Republic card last December and at the six month mark I got a huuuuge auto-CLI from $500 to $600. I haven't used the card since the day I opened the account, so doubt I'll see another CLI on its first anniversary.

Re: GEMB CC CLI Question

marty56 — Sat, 08 Nov 2008 17:44:22 GMT

LOL I used have have the Sams card close to being maxed (my bad credit period) out so I think thats why they kept raising my limits. The moment they stoped making money on me in interest, the stoped giving me CLIs.

I not not implying you should follow my bad example to get auto-CLIs, I'm just making a guess on why I got them from GEMB.

Re: GEMB CC CLI Question

Uniqua — Sat, 08 Nov 2008 17:57:16 GMT

@Anonymous wrote:
Yep - I got a Banana Republic card last December and at the six month mark I got a huuuuge auto-CLI from $500 to $600. I haven't used the card since the day I opened the account, so doubt I'll see another CLI on its first anniversary.

LOL. Fevmlo, you do know that if you don't use that charge card, they are going to close it on you, right?

It's been a while since I had any GEMB cards, but I do recall that I don't think I ever received CLIs and I was a shop-a-holic! YMMV

Re: GEMB CC CLI Question

Anonymous — Sat, 08 Nov 2008 18:04:03 GMT

@Uniqua wrote:
@Anonymous wrote:
Yep - I got a Banana Republic card last December and at the six month mark I got a huuuuge auto-CLI from $500 to $600. I haven't used the card since the day I opened the account, so doubt I'll see another CLI on its first anniversary.
LOL. Fevmlo, you do know that if you don't use that charge card, they are going to close it on you, right?

It's been a while since I had any GEMB cards, but I do recall that I don't think I ever received CLIs and I was a shop-a-holic! YMMV

Yep, I do know that, and know I need to use the thing to stop that happening... I just haven't quite got around to it yet. (Not quite like a regular CC that I can just use to pay for my lunch with or something, this requires effort - bah!) I do have a $10 (I think) "rewards" voucher they sent me months ago, that expires on Dec 31st - so I guess it's time to drag myself to Gap to buy a sweater using that voucher and the Banana Republic card to make up the difference. Ooh, last of the big spenders, me!

Re: GEMB CC CLI Question

Uniqua — Sat, 08 Nov 2008 18:08:37 GMT

Fevmlo, you can use the card at both stores?

I remember having a Children's Place store card. Once my son grew out of the clothes, I stopped shopping there. If I knew then what I know now I would have kept using the card to buy items for my great nephews and great nieces and birthday gifts for the children of friends. I just let the card sit until they closed it on me. It's not due to fall off my CR for a few years so the age is definitely helping me out.

Re: GEMB CC CLI Question

Anonymous — Sat, 08 Nov 2008 18:11:31 GMT

@Uniqua wrote:
Fevmlo, you can use the card at both stores?

I remember having a Children's Place store card. Once my son grew out of the clothes, I stopped shopping there. If I knew then what I know now I would have kept using the card to buy items for my great nephews and great nieces and birthday gifts for the children of friends. I just let the card sit until they closed it on me. It's not due to fall off my CR for a few years so the age is definitely helping me out.

Oh, duh, I probably can't use the gift card anywhere but Banana Republic (must check that - good catch!), but the store card itself can be used at Banana Republic, Gap & Old Navy. I opened it when I bought some stuff at Banana Republic and then took the printout they gave me with the account number on it down the street to Gap and bought a few more things for good measure!

Re: GEMB CC CLI Question

Anonymous — Sat, 08 Nov 2008 18:15:45 GMT

@Uniqua wrote:
Fevmlo, you can use the card at both stores?

I remember having a Children's Place store card. Once my son grew out of the clothes, I stopped shopping there. If I knew then what I know now I would have kept using the card to buy items for my great nephews and great nieces and birthday gifts for the children of friends. I just let the card sit until they closed it on me. It's not due to fall off my CR for a few years so the age is definitely helping me out.

And double-duh, I didn't finish typing before posting! Meant to say... yep, I agree - there's no way I want to let the card just close, especially as it's for a store I will shop in at some point, I just haven't been big on the clothes-buying this year (got a house, instead) - it would be seriously annoying to go in there and try to use the card and find out that, oops, too late, it just got closed today. As my loooong credit history only dates back to May 2007, that BR card is going to be one of my oldest accounts one of these days (well, it already is, I suppose!) - I really must be careful NOT to let it close!

Re: GEMB CC CLI Question

Uniqua — Sat, 08 Nov 2008 18:17:19 GMT

Fev, if you can use the charge card at either store, more than likely you can use the gift card at either store. Check out their website and see what it says.

Haven't shopped at Gap or BR in so many years. Think I may get my son a gift card to Gap for X-mas and let him buy himself some clothes. Gotta ween him off Mama. Thanx for the idea.

Re: GEMB CC CLI Question

Uniqua — Sat, 08 Nov 2008 18:20:04 GMT

LOL. I don't think you have anything to worry about. It took probably close to 2 years before my Children's Place card was closed by credit grantor. But, yes, you definitely want to get some usage on the card. You made the wisest decision by choosing a home over clothes. I'll be doing the same thing as I will be purchasing a home myself very soon.

Re: GEMB CC CLI Question

Anonymous — Sat, 08 Nov 2008 18:37:56 GMT

Well I did a few things today .. in hopes of helping along my changes of getting CLIs, or at the very least.. to keep from getting Cld. First I put $30.00 on my lil $200 CL Target card that has been at a 0 balance for a couple of months now. Several people have said they have said they have gotten CLIs to $1000 over the past couple of weeks. I also finally used my JCP card that I have had since April, but never used. It has just $250 CL and I spent about $120.00. Someone suggested that the way to get a CLI with them is to use it heavily and PIF. I fear doing that because, especially now, I wonder if heavy use will be warning signs to banks. I also put $40.00 on Walmart. It certainly would be nice to get a nice increase from them at this time of year.

Then I went to Firestone. I got approved for $1200.00 in March or so... and because I did it on line, after I got approved, I had to go to the store to submit an application with my signature.. I did that way back in April. I logged into my account a couple of weeks ago to find my CL to be 0. Fortunately, they say it is because they never got my paper application, so I submitted another one. I hope they have changed their practice of not reporting actual credit lines. A $1200 will do wonders for my utilization... currently the card reports on my CRs as 0 CL as well.

We shall see what using and PIF or almost IF does for me.

Re: GEMB CC CLI Question

MrCredit — Fri, 14 Nov 2008 01:19:11 GMT

Why doesnt GEMB make a universal store CC Geez they issue like every dept store it seems. That would probably make things a lot less expensive for them.