topic Re: GE Luv in Credit Cards

GE Luv

TNTransplant — Thu, 08 Mar 2012 06:03:24 GMT

Hi All,

I lurk more than post, but just thought I’d give an update about my GE cards. Back in January I hit the love button on my Walmart card (first time ever) and my credit line was increased from $600 to $1200. I was emboldened by this and the fact that GE does soft pulls (right now I’m gardening for all of 2012 while I decrease my horrific utilization and let tons of inquiries age off), so I called in and used the automated system for credit line increases on my PayPal SC my Amazon cards. I was declined for both, and got letters just last week explaining why they were denied (something weird like lack of experience using current limits??? – don’t remember exactly and have already shredded the letters).

Anyway, I logged on today to pay this month’s statements, and my Amazon credit line had been increased from $1100 to $1900. Pleasantly surprised, so off I went to pay my PayPal account – and yes, the same thing had happened; went from $800 to $1700.

Lovin’ GE, as my only problem right now is high utilization; adding another $1700 to my available credit will only help with this.

Re: GE Luv

crunching_numbers — Thu, 08 Mar 2012 06:20:18 GMT

Nice!

Re: GE Luv

bichonmom — Thu, 08 Mar 2012 06:45:33 GMT

Congrats! It seems like GE has changed the way they do CLIs. A lot of people aren't getting CLIs when the hit the luv button, but later see auto-CLIs. Many people have been posting that here.

I got a WM in Nov w/only $300 CL and hit the luv button several times (when it was still working) and got the same response as you, "not enough time at current limit." Then got an auto-CLI a month or so ago to $1k.

Re: GE Luv

LS2982 — Thu, 08 Mar 2012 10:22:44 GMT

@TNTransplant wrote:
Hi All,

I lurk more than post, but just thought I’d give an update about my GE cards. Back in January I hit the love button on my Walmart card (first time ever) and my credit line was increased from $600 to $1200. I was emboldened by this and the fact that GE does soft pulls (right now I’m gardening for all of 2012 while I decrease my horrific utilization and let tons of inquiries age off), so I called in and used the automated system for credit line increases on my PayPal SC my Amazon cards. I was declined for both, and got letters just last week explaining why they were denied (something weird like lack of experience using current limits??? – don’t remember exactly and have already shredded the letters).

Anyway, I logged on today to pay this month’s statements, and my Amazon credit line had been increased from $1100 to $1900. Pleasantly surprised, so off I went to pay my PayPal account – and yes, the same thing had happened; went from $800 to $1700.

Lovin’ GE, as my only problem right now is high utilization; adding another $1700 to my available credit will only help with this.

Congrats!!!

Re: GE Luv

frogfan12 — Fri, 09 Mar 2012 09:50:51 GMT

@bichonmom wrote:
Congrats! It seems like GE has changed the way they do CLIs. A lot of people aren't getting CLIs when the hit the luv button, but later see auto-CLIs. Many people have been posting that here.

I got a WM in Nov w/only $300 CL and hit the luv button several times (when it was still working) and got the same response as you, "not enough time at current limit." Then got an auto-CLI a month or so ago to $1k.

I think that's how GE operates. I've even called in to complain about a lack of CLI and later received an auto CLI. Last month I tried for a CLI on my ON card and got denied (hadn't quite been 4 months) but I will probably get an auto CLI within the next few months.

Re: GE Luv

LS2982 — Fri, 09 Mar 2012 11:15:40 GMT

@frogfan12 wrote:
@bichonmom wrote:
Congrats! It seems like GE has changed the way they do CLIs. A lot of people aren't getting CLIs when the hit the luv button, but later see auto-CLIs. Many people have been posting that here.

I got a WM in Nov w/only $300 CL and hit the luv button several times (when it was still working) and got the same response as you, "not enough time at current limit." Then got an auto-CLI a month or so ago to $1k.
I think that's how GE operates. I've even called in to complain about a lack of CLI and later received an auto CLI. Last month I tried for a CLI on my ON card and got denied (hadn't quite been 4 months) but I will probably get an auto CLI within the next few months.

I'm hoping soon myself i;ll start getting auto's, I think I underbid myself when I have to tell them what I want

Re: GE Luv

frogfan12 — Sat, 10 Mar 2012 15:51:50 GMT

The autos will come as your scores increase and your history with them grows. I didn't get any CLIs with them for a while. I started out at $300 and stayed below $1K for a good 4.5 or so years. But I also didn't have the income to justify a higher limit.

Re: GE Luv

Anonymous — Sat, 10 Mar 2012 18:55:47 GMT

GE must be in an auto CLI mood. I was still debating asking for an increase at the 4 month mark even though it isn't time yet. It has only been 3 months on my Amazon card and when I logged in to check a purchase was completely shocked to see the limit go from $900 to $1600.

GECRB was the first company to give me credit in 2 years. I got an Amazon and JC Penney card back in late November. My Amazon card is now almost as high as the 2 MC/Visa cards I have had for almost 10 years. Thanks to this board for recommending GECRB as cards that grow with you because I don't think I ever would have applied for them on my own.

Re: GE Luv

grussell70 — Sat, 10 Mar 2012 19:15:00 GMT

CONGRATS!!! i logged in this month and my 1500.00 limit had been increased to 3000.00. i was really surprised. the last increase i got from the love button took me from 1400.00 to 1500.00 big increase hunh. i don't ask for one and it gets doubled. how about that.

Re: GE Luv

TNTransplant — Sat, 10 Mar 2012 19:15:52 GMT

Thanks, everyone. Sounds like GE has been in a generous mood lately...

Re: GE Luv

Anonymous — Sat, 10 Mar 2012 19:21:52 GMT

@Anonymous wrote:
GE must be in an auto CLI mood. I was still debating asking for an increase at the 4 month mark even though it isn't time yet. It has only been 3 months on my Amazon card and when I logged in to check a purchase was completely shocked to see the limit go from $900 to $1600.

GECRB was the first company to give me credit in 2 years. I got an Amazon and JC Penney card back in late November. My Amazon card is now almost as high as the 2 MC/Visa cards I have had for almost 10 years. Thanks to this board for recommending GECRB as cards that grow with you because I don't think I ever would have applied for them on my own.

Agreed. While the JCP and Dillard's cards did have appeal to me because I shop there and I like the rewards, they really caught my interest when I read about how well GE backed cards grow. Since last April, I've experienced the following:

JC Penney: 200 -> 1200 -> 1800

Dillard's: 700 -> 1700 -> 4200

And my DH's Lowe's: 300 -> 600 -> 4600

In short, I've been amazed at how quickly and how well they've grown.

And... congrats to the OP and everyone else who has received a nice CLI!!!

Re: GE Luv

LS2982 — Sat, 10 Mar 2012 20:48:31 GMT

@grussell70 wrote:
CONGRATS!!! i logged in this month and my 1500.00 limit had been increased to 3000.00. i was really surprised. the last increase i got from the love button took me from 1400.00 to 1500.00 big increase hunh. i don't ask for one and it gets doubled. how about that.

Congrats!!!

Re: GE Luv

Ortz33__ — Mon, 12 Mar 2012 02:48:52 GMT

Hey OP, how long have you had your PayPal card?

Re: GE Luv

corymcd88 — Mon, 12 Mar 2012 03:13:38 GMT

@Anonymous wrote:
@Anonymous wrote:
GE must be in an auto CLI mood. I was still debating asking for an increase at the 4 month mark even though it isn't time yet. It has only been 3 months on my Amazon card and when I logged in to check a purchase was completely shocked to see the limit go from $900 to $1600.

GECRB was the first company to give me credit in 2 years. I got an Amazon and JC Penney card back in late November. My Amazon card is now almost as high as the 2 MC/Visa cards I have had for almost 10 years. Thanks to this board for recommending GECRB as cards that grow with you because I don't think I ever would have applied for them on my own.

Agreed. While the JCP and Dillard's cards did have appeal to me because I shop there and I like the rewards, they really caught my interest when I read about how well GE backed cards grow. Since last April, I've experienced the following:

JC Penney: 200 -> 1200 -> 1800
Dillard's: 700 -> 1700 -> 4200

And my DH's Lowe's: 300 -> 600 -> 4600

In short, I've been amazed at how quickly and how well they've grown.

And... congrats to the OP and everyone else who has received a nice CLI!!!

To anyone that has a JCPenneys card. You can use your card also a CVS and Right Aid. I don't shop JCP very offen but I go a lot to CVS, at leace once a week and you still get the points for spending.

Re: GE Luv

TNTransplant — Mon, 12 Mar 2012 03:56:33 GMT

@Ortz33__ wrote:
Hey OP, how long have you had your PayPal card?

I got the card in 12/09 (started out with a $600 CL). They upped it to $700 in 2010, and then to $800 in early 2011 - both of these were auto CLI. I don't know if the recent jump from $800 - $1700 was because I had asked for a CLI about one month earlier (and was denied), or not. Timing was suspicious, though...

Re: GE Luv

LS2982 — Mon, 12 Mar 2012 09:50:41 GMT

@corymcd88 wrote:
@Anonymous wrote:
@Anonymous wrote:
GE must be in an auto CLI mood. I was still debating asking for an increase at the 4 month mark even though it isn't time yet. It has only been 3 months on my Amazon card and when I logged in to check a purchase was completely shocked to see the limit go from $900 to $1600.

GECRB was the first company to give me credit in 2 years. I got an Amazon and JC Penney card back in late November. My Amazon card is now almost as high as the 2 MC/Visa cards I have had for almost 10 years. Thanks to this board for recommending GECRB as cards that grow with you because I don't think I ever would have applied for them on my own.

Agreed. While the JCP and Dillard's cards did have appeal to me because I shop there and I like the rewards, they really caught my interest when I read about how well GE backed cards grow. Since last April, I've experienced the following:

JC Penney: 200 -> 1200 -> 1800
Dillard's: 700 -> 1700 -> 4200

And my DH's Lowe's: 300 -> 600 -> 4600

In short, I've been amazed at how quickly and how well they've grown.

And... congrats to the OP and everyone else who has received a nice CLI!!!
To anyone that has a JCPenneys card. You can use your card also a CVS and Right Aid. I don't shop JCP very offen but I go a lot to CVS, at leace once a week and you still get the points for spending.

I'd feel a little awkward pulling out a JCP card to pay for something at CVS.

Re: GE Luv

UpNComing — Mon, 12 Mar 2012 13:26:42 GMT

@LS2982 wrote:
@corymcd88 wrote:
@Anonymous wrote:
@Anonymous wrote:
GE must be in an auto CLI mood. I was still debating asking for an increase at the 4 month mark even though it isn't time yet. It has only been 3 months on my Amazon card and when I logged in to check a purchase was completely shocked to see the limit go from $900 to $1600.

GECRB was the first company to give me credit in 2 years. I got an Amazon and JC Penney card back in late November. My Amazon card is now almost as high as the 2 MC/Visa cards I have had for almost 10 years. Thanks to this board for recommending GECRB as cards that grow with you because I don't think I ever would have applied for them on my own.

Agreed. While the JCP and Dillard's cards did have appeal to me because I shop there and I like the rewards, they really caught my interest when I read about how well GE backed cards grow. Since last April, I've experienced the following:

JC Penney: 200 -> 1200 -> 1800
Dillard's: 700 -> 1700 -> 4200

And my DH's Lowe's: 300 -> 600 -> 4600

In short, I've been amazed at how quickly and how well they've grown.

And... congrats to the OP and everyone else who has received a nice CLI!!!
To anyone that has a JCPenneys card. You can use your card also a CVS and Right Aid. I don't shop JCP very offen but I go a lot to CVS, at leace once a week and you still get the points for spending.
I'd feel a little awkward pulling out a JCP card to pay for something at CVS.

I didn know that! Heck I shop CVS multiple times every week. I'll use it every time now to raise the rewards level on the JCP card.

Re: GE Luv

Anonymous — Mon, 12 Mar 2012 13:33:10 GMT

Paypal Smart Connect is GE, right? I seemed to have gotten a 700->1400 auto CLI within a last couple months. No complaints.

Re: GE Luv

LS2982 — Mon, 12 Mar 2012 14:08:27 GMT

I didn't even think of that UpandComing! Raising the rewards level from shopping at CVS is a great idea!

Re: GE Luv

corymcd88 — Mon, 12 Mar 2012 19:33:14 GMT

@UpNComing wrote:
@LS2982 wrote:
@corymcd88 wrote:
@Anonymous wrote:
@Anonymous wrote:
GE must be in an auto CLI mood. I was still debating asking for an increase at the 4 month mark even though it isn't time yet. It has only been 3 months on my Amazon card and when I logged in to check a purchase was completely shocked to see the limit go from $900 to $1600.

GECRB was the first company to give me credit in 2 years. I got an Amazon and JC Penney card back in late November. My Amazon card is now almost as high as the 2 MC/Visa cards I have had for almost 10 years. Thanks to this board for recommending GECRB as cards that grow with you because I don't think I ever would have applied for them on my own.

Agreed. While the JCP and Dillard's cards did have appeal to me because I shop there and I like the rewards, they really caught my interest when I read about how well GE backed cards grow. Since last April, I've experienced the following:

JC Penney: 200 -> 1200 -> 1800
Dillard's: 700 -> 1700 -> 4200

And my DH's Lowe's: 300 -> 600 -> 4600

In short, I've been amazed at how quickly and how well they've grown.

And... congrats to the OP and everyone else who has received a nice CLI!!!
To anyone that has a JCPenneys card. You can use your card also a CVS and Right Aid. I don't shop JCP very offen but I go a lot to CVS, at leace once a week and you still get the points for spending.
I'd feel a little awkward pulling out a JCP card to pay for something at CVS.
I didn know that! Heck I shop CVS multiple times every week. I'll use it every time now to raise the rewards level on the JCP card.

That is why i love the card, CVS too.