topic Re: Starting Limits All Over The Place - JCP $200.00 in Credit Cards

Starting Limits All Over The Place - JCP $200.00

Anonymous — Sat, 22 Sep 2012 22:35:57 GMT

Has anyone else opened a bunch of new accounts around the same time and had their starting limits all over the place? I can see what I currently have in my signiture. New accounts have ranged from $600. (Walmart) to $3k (Target). For some reason I just had the urge to apply for JCP. Was approved for a... $200. CL. $200.00!?

I've read that I can press the Love Button every 3-4 months so I'm looking at it as a card that might slowly grow and overall can help keep utilization % a little lower.

Will someone please put me in the garden with a BIG fence, lock it and hide the key so I can't get out for a year or so?

Oh, interesting note, my very first credit card in '88 was JCP. That's what started it all!

Re: Starting Limits All Over The Place - JCP $200.00

trumpet-205 — Sat, 22 Sep 2012 22:50:06 GMT

My ex-JCP card also started at $200, later auto CLI to $1,400 and called in for $2,000.

Now you have to call in to do CLI, JCP don't have luv button online anymore.

Re: Starting Limits All Over The Place - JCP $200.00

Anonymous — Sat, 22 Sep 2012 23:42:19 GMT

@trumpet-205 wrote:
My ex-JCP card also started at $200, later auto CLI to $1,400 and called in for $2,000.

Now you have to call in to do CLI, JCP don't have luv button online anymore.

So try after every 4-5 statements?

Re: Starting Limits All Over The Place - JCP $200.00

trumpet-205 — Sat, 22 Sep 2012 23:57:59 GMT

Yep.

Re: Starting Limits All Over The Place - JCP $200.00

laboi_22 — Sun, 23 Sep 2012 00:25:55 GMT

I started with $300. A year later of asking every 4th statement. 4800. Of course I used it a lot. Also you can use it at CVS/Rite Aide!

Re: Starting Limits All Over The Place - JCP $200.00

laboi_22 — Sun, 23 Sep 2012 00:26:36 GMT

JCP is very generous. Not all DE cards are the same!!

Re: Starting Limits All Over The Place - JCP $200.00

Shogun — Sun, 23 Sep 2012 01:07:11 GMT

Makes about as much sense as figuring out FICO scoring.

Re: Starting Limits All Over The Place - JCP $200.00

LS2982 — Sun, 23 Sep 2012 02:08:52 GMT

@Anonymous wrote:
Has anyone else opened a bunch of new accounts around the same time and had their starting limits all over the place? I can see what I currently have in my signiture. New accounts have ranged from $600. (Walmart) to $3k (Target). For some reason I just had the urge to apply for JCP. Was approved for a... $200. CL. $200.00!?

I've read that I can press the Love Button every 3-4 months so I'm looking at it as a card that might slowly grow and overall can help keep utilization % a little lower.

Will someone please put me in the garden with a BIG fence, lock it and hide the key so I can't get out for a year or so?

Oh, interesting note, my very first credit card in '88 was JCP. That's what started it all!

Dont feel bad, I got $150 whem I opened mine

Re: Starting Limits All Over The Place - JCP $200.00

Anonymous — Sun, 23 Sep 2012 04:27:56 GMT

I didn't know that the JCP card can be used at CVS and Rite Aide. That's good to know!

Re: Starting Limits All Over The Place - JCP $200.00

jsucool76 — Sun, 23 Sep 2012 04:44:08 GMT

Hey, cap1 gave me $3k...GE gave me $500 on my paypal and walmart, and wells gave me $600. They always start awkwardly

Re: Starting Limits All Over The Place - JCP $200.00

Jlu — Sun, 23 Sep 2012 04:58:06 GMT

^+1 same here too. 6 cards in 3 months with CLs ranging from 300 to 9000.

This is common for semi-prime folks who have a 620 to 680 FICO and are borderline approvals with recons involved.

Eventually they will all grow and catch up to one another. Just keep up the good work.

Re: Starting Limits All Over The Place - JCP $200.00

jsucool76 — Sun, 23 Sep 2012 05:01:41 GMT

@Jlu wrote:
^+1 same here too. 6 cards in 3 months with CLs ranging from 300 to 9000.

This is common for semi-prime folks who have a 620 to 680 FICO and are borderline approvals with recons involved.

Eventually they will all grow and catch up to one another. Just keep up the good work.

Especially those GE cards. I've seen people go from like $150 to like $999,999,999.99 in like...a year I exaggerate but their CLI policy is pretty bangin

Re: Starting Limits All Over The Place - JCP $200.00

Anonymous — Sun, 23 Sep 2012 05:30:32 GMT

I agree about the GE comment; happens moreso with my WalMart card. I've had it for 13 months, started with $600>>$800>>$2000>>currently at $3000. THANK YOU GE!

Re: Starting Limits All Over The Place - JCP $200.00

Anonymous — Sun, 23 Sep 2012 14:08:37 GMT

For the (GE) cards, is it better to initiate a CLI after the 4th statement cuts or wait for them to send you love? I think at this point, I now have a good foundation to build into prime territory by the end of next year.

Re: Starting Limits All Over The Place - JCP $200.00

LS2982 — Sun, 23 Sep 2012 14:54:46 GMT

@Anonymous wrote:
I agree about the GE comment; happens moreso with my WalMart card. I've had it for 13 months, started with $600>>$800>>$2000>>currently at $3000. THANK YOU GE!

Very nice!!! I'm hoping in Nov. I can break the 3K mark with mine, maybe even a Discover upgrade offer!

Re: Starting Limits All Over The Place - JCP $200.00

LS2982 — Sun, 23 Sep 2012 14:55:36 GMT

@Anonymous wrote:
For the (GE) cards, is it better to initiate a CLI after the 4th statement cuts or wait for them to send you love? I think at this point, I now have a good foundation to build into prime territory by the end of next year.

Definitely request it every 4 months, they will auto CLI but its not a guarantee.

Re: Starting Limits All Over The Place - JCP $200.00

atarvuzdar — Mon, 24 Sep 2012 13:32:28 GMT

From my GE app spree a couple of weeks ago. All apps within 1 hour online, the order below is the order I app'd:

Walmart $1000

Lowe's $500

Amazon $800

JCP $200

Seems JCP is probably the one that tends to start with the lowest limit based on what mine was compared to the others, as well as what I've been reading here about starting JCP limits. Then again, maybe they were just tired of me applying by the time the JCP rolled around.

Each card has a specific purpose--the JCP will probably only ever be used at CVS, but maybe if the limit grows I'll use it for re-decorating my daughter's room. But $200 just isn't going to cut it with a 14 year old girl LOL.

Re: Starting Limits All Over The Place - JCP $200.00

maiden_girl — Mon, 24 Sep 2012 19:27:01 GMT

Well when I first started applying for cards...I got CapOne at $500--now $750 and Macy's at $100 (yes...$100)--now at $1,000. LMAO. Looking at other user's starting limits, I think it's fair to say JCP was being generous. LOL

Re: Starting Limits All Over The Place - JCP $200.00

LS2982 — Mon, 24 Sep 2012 21:44:44 GMT

@jsucool76 wrote:
@Jlu wrote:
^+1 same here too. 6 cards in 3 months with CLs ranging from 300 to 9000.

This is common for semi-prime folks who have a 620 to 680 FICO and are borderline approvals with recons involved.

Eventually they will all grow and catch up to one another. Just keep up the good work.
Especially those GE cards. I've seen people go from like $150 to like $999,999,999.99 in like...a year I exaggerate but their CLI policy is pretty bangin

Yes it is!!! The key is good usage, they wont give you big CLI's without good usage.