topic Re: Walmart CLI denied in Credit Cards

Walmart CLI denied

Anonymous — Fri, 29 Jun 2012 14:02:27 GMT

Well, I waited six billing cycles and then asked for a CLI from Walmart Discover and got denied. They wouldn't give a reason but they said a letter will come in the mail. I guess GECRB just changed their policies. That stinks because I used to be able to count on an increase on my Walmart card every four months. It was an important part of my credit strategy. I hate how they took away the online LUV button and made me call a representative to get denied. I'm stuck at $2000 as my highest limit right now.

Re: Walmart CLI denied

learnin113 — Fri, 29 Jun 2012 14:06:47 GMT

Yeah, I notice GE is stingy with the CLIs nowadays. It's frustrating and annoying. They used to be reliable with that.

Re: Walmart CLI denied

emptypockets — Fri, 29 Jun 2012 14:09:29 GMT

It is probably a YMMV situation. I just requested my regular 4 month CLI and went from 3350 to 4500. I requested a CLI to 5500 over the automated system, they gave me the 4500 as a counter offer. I got a letter that said the original request was beyond the guideline increase fornthe account (whatever that means). Others have reported that when their Walmart was a couple years old and/ or the limit got above 3k, they got offers for the Walmart Discover. My card is over 4yrs old, and although I am able to CLI's, I have yet to get a offer to upgrade to The Discover. I was able to get CLI's on Lowe's and Dillard's AMEX this week also, so GE is still doing increases.

Re: Walmart CLI denied

Creditaddict — Fri, 29 Jun 2012 16:50:21 GMT

@Anonymous wrote:
Well, I waited six billing cycles and then asked for a CLI from Walmart Discover and got denied. They wouldn't give a reason but they said a letter will come in the mail. I guess GECRB just changed their policies. That stinks because I used to be able to count on an increase on my Walmart card every four months. It was an important part of my credit strategy. I hate how they took away the online LUV button and made me call a representative to get denied. I'm stuck at $2000 as my highest limit right now.

I would call back and ask to be transferred to credit dept. They will do a SP to do a manual review. The automated system I have been finding lately is using a report they generated 30-90 days ago... I have not really had luck but many have!

Re: Walmart CLI denied

marty56 — Fri, 29 Jun 2012 16:59:49 GMT

If you need the CLI for a major puchase, I would call and specify that in the conversation. 2k CL is pretty good for a walmart card.

Re: Walmart CLI denied

Anonymous — Fri, 29 Jun 2012 17:01:44 GMT

Thats a Walmart Discover card. 2k is pretty low for that. Know someone who called last week on their 4-5 GE cards. Got CLIs on all of them.

Re: Walmart CLI denied

flowfaster — Fri, 29 Jun 2012 18:45:37 GMT

Yeah. It is true GECRB is getting stingy. I have 1 one increase from them this year out of two cards. The rest of the time I get denied(try once a month). Walmart stuck at 1400 and Amazon stuck at 2500. Not too bad i guess, maybe they are sick of me asking. lol

Re: Walmart CLI denied

DiamondK — Fri, 29 Jun 2012 20:29:45 GMT

Is the Wal-Mart CLI a soft pull or a hard pull?

Re: Walmart CLI denied

Anonymous — Fri, 29 Jun 2012 20:37:43 GMT

DiamondK,

It's a SP

Re: Walmart CLI denied

Anonymous — Fri, 29 Jun 2012 23:21:19 GMT

Just got a 634 CLI from wal-mart last week, weird ammount but now my CL is $3034

But was turned down for any CLI on my Amazon card. Letter stated too many account with balances. I have 10 cards and only 3 have a balance. I guess that's too many for them.

Re: Walmart CLI denied

kevinjjc — Sat, 30 Jun 2012 01:38:45 GMT

You should try calling the backdoor #. I went from a 1,300 initial CL to a 10k limit after recon.

Re: Walmart CLI denied

slarano — Sat, 30 Jun 2012 02:10:23 GMT

My LUV button on WalMart's site hasn't been functional for a few months, as I would typically get small increases every 4 months in the past. Went from $750 when I first signed up a few years ago to $1900. Decided to call the Contact Us number given on their site, went through the automated prompts, asked for an increase to $4000, was turned down but was given a counter offer of $3400. Haven't used my WalMart card much in the last few months either, but worth the couple of minutes of calling into an automated system. FICO score this month is 752.

Re: Walmart CLI denied

namvet — Sat, 30 Jun 2012 02:28:15 GMT

My first attempt for a cli was denied and about a month later i got a auto cli. Within 9 months of getting the card i received a auto cli 3 times. So be patient and your time will come.

Re: Walmart CLI denied

kobe2012 — Sat, 30 Jun 2012 04:30:51 GMT

I opened an account for a walmart store card last may.... how long should I wait to get an increase????

Re: Walmart CLI denied

Anonymous — Sat, 30 Jun 2012 13:18:44 GMT

I opened my Walmart store card in December and in April after my statement cut I requested a CLI to go from 300 to 1000 thru the contact us phone number. It denied me for that increase but countered me an offer to 750. Try to request an increase every 4 months. It's a soft pull and the worse to come out of asking for it is a denial but it won't hurt you fico-wise.

Re: Walmart CLI denied

kobe2012 — Sat, 30 Jun 2012 14:29:38 GMT

i'm only gonna be on my second month in a few days and it seems so long.... an increase would be great...... hopefully i'll see a 1k... they only gave me a CL of $500

Re: Walmart CLI denied

Anonymous — Sun, 01 Jul 2012 17:20:38 GMT

I wonder how much of the denial had to do with the fact that I don't carry a balance. They only make money on interchange fees. I don't use the card as my primary card either, because their rewards stink. It's pretty much useful for free TU FICO scores and 0% financing during the holidays.

Re: Walmart CLI denied

LS2982 — Sun, 01 Jul 2012 17:53:58 GMT

I'm going to ask this month, I stopped using it heavy because of no rewards. I want the Discover upgrade!

Re: Walmart CLI denied

traveler2005 — Sun, 01 Jul 2012 18:04:56 GMT

I have had my walmart card over a year now, no CLi for me. I also have a few other of their cards, no cli on them either. I have an American Eagle that is over a year old with no CLI credit limit 150.00 I can't do much shopping with a limit like that for 2 teenagers. What a joke!

Re: Walmart CLI denied

LS2982 — Sun, 01 Jul 2012 18:12:49 GMT

@traveler what's your credit profile look like?