topic JCPenney $1500 CLI in Credit Cards

JCPenney $1500 CLI

Anonymous — Sat, 14 Nov 2009 21:41:13 GMT

This was one of those "app'ers remorse" deals. We did school shopping earlier this year at JCPenney and did the app for 10% in addition to the sales they were having.

Initial CL: $350 (I have 6 kids and the bill was around $1200). Anyway, put $279 on the card then PIF and never used again. Last week they gave a $1500 CLI. I guess they hope I'll do some Christmas shopping with them if they give me more credit. Been about 4 months since I opened it.

Re: JCPenney $1500 CLI

Anonymous — Tue, 17 Nov 2009 00:44:33 GMT

Did you use JCP's Luv Button? Or was this an automatic CLI? Reason I am asking is because I've had my JCP card for 7 years and I still have the initial $300 CL since I opened the account.

Re: JCPenney $1500 CLI

Anonymous — Tue, 17 Nov 2009 07:04:10 GMT

Oh, sorry about not giving that detail....I hit the LUV button because it annoys me to see that silly little CL on my CR's.....LOL.

Anyway, they gave my sone a $1350 CLI same week (he had $150 CL prior and only had the account for 5 months and is only 21).

Re: JCPenney $1500 CLI

Anonymous — Tue, 17 Nov 2009 08:41:40 GMT

@Anonymous wrote:
Did you use JCP's Luv Button? Or was this an automatic CLI? Reason I am asking is because I've had my JCP card for 7 years and I still have the initial $300 CL since I opened the account.

Do you have the Luv button? I would definitely hit it, I hit mine the same week I got my card and was told I have to wait 4 months before I can get an increase, but from what I have seen posted here, it seems like almost everyone gets something every 4 months from them.

Re: JCPenney $1500 CLI

Anonymous — Tue, 17 Nov 2009 14:40:54 GMT

If you have kept the account in good standing and your credit in general didn't take a huge nose dive (new derogs, etc.) then you should get a CLI at 4 months, but not sooner. ( originally I tried immediate CLI because the CL was so low...got the 4 month message as well).

Re: JCPenney $1500 CLI

Anonymous — Tue, 17 Nov 2009 16:48:44 GMT

I just got a CLI from JCPennys as well. My initial CL was a measly $100. I hit the luv button and got approved for a new CL of $1,500. Did this for my wifes' Pennies card also. Same exact deal....$100 to $1,500. Opened them in June '09.

Re: JCPenney $1500 CLI

Anonymous — Tue, 17 Nov 2009 16:53:56 GMT

Their prepin' for Christmas season

Re: JCPenney $1500 CLI

Anonymous — Tue, 17 Nov 2009 17:09:32 GMT

@Anonymous wrote:
Their prepin' for Christmas season

Yep they sure are. I'll tell you what though....I would have never even considered pursuing a CLI with this card given what I have read about it. Hats off to you for tipping off all of us who have this card.

Re: JCPenney $1500 CLI

Anonymous — Tue, 17 Nov 2009 19:40:52 GMT

NP. Glad it worked out for you too.

I have found that something that interests me, usually will interest more than just me.

so share the info when you get some!

Re: JCPenney $1500 CLI

Anonymous — Tue, 17 Nov 2009 20:21:17 GMT

Thanks for the info. I just hit the JCP luv button and got a $1000 cli. Mine sat at $500 forever and within the last year it has been raised to $2400. Now if they would only lower the 22% apr to something a little more sane.

Re: JCPenney $1500 CLI

Anonymous — Tue, 17 Nov 2009 21:22:46 GMT

@Anonymous wrote:
Thanks for the info. I just hit the JCP luv button and got a $1000 cli. Mine sat at $500 forever and within the last year it has been raised to $2400. Now if they would only lower the 22% apr to something a little more sane.

Didn't you hear about the JCPenney new 0% rate?

It's 0% with 1 easy payment plans!

Re: JCPenney $1500 CLI

Client9 — Tue, 17 Nov 2009 21:53:44 GMT

can someone post the Luv Button? I have had my JCP card for 20 years and stuck at $400.

EQ 786

TU 730

Re: JCPenney $1500 CLI

Anonymous — Thu, 19 Nov 2009 05:18:12 GMT

thanx tx,

I was coming up on the end of my fourth statement, so was going to pop the luv button in about ten days.

Went ahead and hit it today - Yay! Up from $1200 to $1800! It's just a hair higher than my Macy's - so it's my highest card right now.

Good for a rebuilder - Total CL's gone from $500 to $6850 in 11 months. Thanks to the boards!!

Re: JCPenney $1500 CLI

Anonymous — Thu, 19 Nov 2009 05:26:06 GMT

@Client9 wrote:
can someone post the Luv Button? I have had my JCP card for 20 years and stuck at $400.

EQ 786
TU 730

Client9 - if you don't see a link to "Request a Credit Limit Increase" or something like that next to your current balance online, call the backdoor number stickied at the top of the Credit Cards Forum. The number they give there for JC Penney is 800-542-0800.

It might be good to talk to a real person and find out what's going on with your account. I know years ago (and a different JCPenney Acct. which I later closed), I asked for a CLI and they explained to me that because my utilization was too high, and because I only paid the minimum payment, that I was not eligible for an increase. It was totally mind-boggling to me. I thought because I didn't go over limit and paid the minimum due every month that I was a good candidate! Wish I would have had these boards back then! But at least the CSR explained what they were looking for.

Good luck! Nice scores, by the way!

Re: JCPenney $1500 CLI

Client9 — Thu, 19 Nov 2009 20:15:30 GMT

thanks. I have never understood why the low limit. My utilization is less than 2%, never been late with them either. I will try the number listed for kicks and grins. I buy a bath towel here and there to exercise the JCP card.

Re: JCPenney $1500 CLI

tray — Thu, 19 Nov 2009 23:48:21 GMT

Hi everyone, after reading beamMEup's post I said what the heck and hit the luv button as it would of been 4 months next week after I recieved my last cli, sure enough JCPenny is in the holiday spirit of giving and I recieved an $800.00 cli now I am at $1,800.00 total cl.

I would say though out of all the GEMB accounts JCPenny's is the better of the choice of having a store card as they are generous with the cli's just like Macy's. Out of all the GEMB cards I would recommended JCPenny's over the others.

4/09 account opened $500.00 cl

7/09 given cli of $500.00 ( account only 3 months old)

11/09 given cli of $800.00

Re: JCPenney $1500 CLI

Anonymous — Fri, 20 Nov 2009 01:31:50 GMT

@tray wrote:
Hi everyone, after reading beamMEup's post I said what the heck and hit the luv button as it would of been 4 months next week after I recieved my last cli, sure enough JCPenny is in the holiday spirit of giving and I recieved an $800.00 cli now I am at $1,800.00 total cl.

I would say though out of all the GEMB accounts JCPenny's is the better of the choice of having a store card as they are generous with the cli's just like Macy's. Out of all the GEMB cards I would recommended JCPenny's over the others.

4/09 account opened $500.00 cl
7/09 given cli of $500.00 ( account only 3 months old)
11/09 given cli of $800.00

I got an initial $350 CL with JCPenney and recently CLI to $1800

But I got $14,000 Care Credit, and $6500 on Rooms to Go (both GEMB), so I JCPenney was the least generous in terms of GEMB for me.

The other strange thing is that GEMB pulled EQ for both Rooms to Go and Care Credit. But they pulled TU for JCPenney.

Re: JCPenney $1500 CLI

Anonymous — Fri, 20 Nov 2009 08:08:28 GMT

@tray wrote:
Hi everyone, after reading beamMEup's post I said what the heck and hit the luv button as it would of been 4 months next week after I recieved my last cli, sure enough JCPenny is in the holiday spirit of giving and I recieved an $800.00 cli now I am at $1,800.00 total cl.

I would say though out of all the GEMB accounts JCPenny's is the better of the choice of having a store card as they are generous with the cli's just like Macy's. Out of all the GEMB cards I would recommended JCPenny's over the others.

4/09 account opened $500.00 cl
7/09 given cli of $500.00 ( account only 3 months old)
11/09 given cli of $800.00

That's been the case for me, too. I have 3 GEMB cards: JCP, Dillard's, Walmart; all opened the same day. (All pulled EQ as well)

Dillard's opened with $700 - CLI at 4 mos to $950. (From these boards it looks like $250 is a standard increase)

JCP opened with $1200 - CLI at 4 mos. to $1800

Walmart opened with $500 - no CLI yet (From these boards it looks like $100-150 is a common increase)

I'm hoping they all upgrade - but I hear that JCP very rarely upgrades and its by invitation only. Forget now what they upgrade the store card to. MC?

Re: JCPenney $1500 CLI

tray — Fri, 20 Nov 2009 12:16:30 GMT

That is interesting I did not know this store has an upgrade to ?MC, never heard of it.

Re: JCPenney $1500 CLI

irish_girl — Mon, 23 Nov 2009 02:52:15 GMT

DH has JCP card opened in July 2009 w/ $400 limit. Hit the luv button and he was instantly approved for a $1500 CLI. Nice. I'm sure they're wanting him to spend some Xmas money at their store. Hope he spends some on me.