topic Re: So GE doesn't like me? in Credit Cards

So GE doesn't like me?

Anonymous — Fri, 16 Nov 2012 01:45:31 GMT

I'm always seeing threads about GE and their credit line increases and I've always wondered what my wife and I are doing wrong. I have:

GE Banana Republic..Opened 2-12 Never Used $400 Limit never increased

GE Care Credit... Opened 10-2009 $500 Limit forever Carried a balance over the course of 2 years with PIF 3 times..Declined many tines for increase speaking to someone..Finally increased to $3500 limit by phone electronic request. Zero current balance

GE Walmart: Opened 10-2010 Initially $700 limit then $900 then $1100 but nothing in over a year. Carried a balance off and on...PIF several times...Zero balance since early this year. Requested increase over phone electronically..Declined. Zero balance last 6 months

GE Walmart Discover: Opened 03-2012. Initially $1,000... Made a few small charges. PIF always but no increase.Zero balance Last 5 months.

GE Chevron Gas: Opened 10-10... Used a fair amount..$700 line initial...Carried a balance off and on 8 months...Never increased..not used last 6 months.

GE Lowes: Opened 3-2012 Carried balance....Paid in full several times...No increase.

Never ever late but credit utilization can go high sometimes...Never over limit. Lots of other credit with big lines..PenFed 25K, CSP 5K USAA 25k Discover 15K DCU 10 K...other smaller crds. Depending on utilization my scores vary wildly from low 600s to over 750.

Wife has 7 GE Cards...Similiar situation as mine above...Never had ANY INCREASE other than her Care Credit from $500 to $10,000! After being constantly declined and no increases.

Whats going on here? Do they hate when you carry a balance? Like PIF? Hates high util even if not high when ask for increase?

Re: So GE doesn't like me?

flowfaster — Fri, 16 Nov 2012 01:50:57 GMT

Sounds like you would be a great candidate for calling underwriting(GE Credit Solutions). On my wally card I went from $400 to 10K in 1 year. All rules(including the 4 month rumor) are thrown out the window when you call them. Good Luck.

Re: So GE doesn't like me?

Repo-ed — Fri, 16 Nov 2012 01:50:53 GMT

you just have to call and go through the automated system and ask

Re: So GE doesn't like me?

wallyworld123 — Fri, 16 Nov 2012 01:53:10 GMT

Have you tried calling the backdoor number?

Re: So GE doesn't like me?

Anonymous — Fri, 16 Nov 2012 01:58:15 GMT

Tried a few times electronically and except for Care Credit always declined. Not really trying to get an increase but just wondering why everyone talks about GE's auto CLI and I never get anything.

Re: So GE doesn't like me?

Anonymous — Fri, 16 Nov 2012 01:59:17 GMT

they hate me too.

Re: So GE doesn't like me?

navigatethis12 — Fri, 16 Nov 2012 02:08:25 GMT

I received the first and only automatic increase from them after about nine months of having the card. I charged it up almost to the limit and let the balance sit for a while (no interest) and when I paid it off, I got the increase. Recently, I kept being denied by the system and told their policy would not allow it. I finally rang customer service and they transferred me to an analyst. She said she didn't know what the letter was on about, but she could do the request herself. A few moments later she double the line as I asked.

I recommend speaking with someone to so if you can get the increase manually.

Re: So GE doesn't like me?

nicholasyud — Fri, 16 Nov 2012 02:11:31 GMT

@flowfaster wrote:
Sounds like you would be a great candidate for calling underwriting(GE Credit Solutions). On my wally card I went from $400 to 10K in 1 year. All rules(including the 4 month rumor) are thrown out the window when you call them. Good Luck.

How did you do that ? from time to time ??? How much did they increase each time ???

Re: So GE doesn't like me?

Anonymous — Fri, 16 Nov 2012 02:18:23 GMT

I just pm's you a helpful phone number.

Re: So GE doesn't like me?

Anonymous — Fri, 16 Nov 2012 02:25:41 GMT

Thanks

Re: So GE doesn't like me?

flowfaster — Fri, 16 Nov 2012 02:56:48 GMT

@nicholasyud wrote:
@flowfaster wrote:
Sounds like you would be a great candidate for calling underwriting(GE Credit Solutions). On my wally card I went from $400 to 10K in 1 year. All rules(including the 4 month rumor) are thrown out the window when you call them. Good Luck.
How did you do that ? from time to time ??? How much did they increase each time ???

Well I only found out about the magic phone number for the last 2 CLI attempts. The rest were done through the automated phone system. $400>700(auto)>1400>2400>5000>10,000. lol All with soft pulls in 13 months.

Re: So GE doesn't like me?

creditnocash — Fri, 16 Nov 2012 03:02:07 GMT

i would suggest you try this number

1-800-480-0205

just talked to a nice rep.

and all he asked is what i wanted and my income. put me on hold for 2 minutes that felt like eternity and came back with approved.

800 july 28th open date-3.5k october 1st-5k november 15th.

p.s. on top of that only used the card 3 times for less then 200 dollars in total. pif same statement

no statements generated yet.

Re: So GE doesn't like me?

Anonymous — Fri, 16 Nov 2012 03:25:36 GMT

Will thaT number be able to pull up all my GE cards

Re: So GE doesn't like me?

creditnocash — Fri, 16 Nov 2012 03:37:49 GMT

@Anonymous wrote:
Will thaT number be able to pull up all my GE cards

no i asked the same thing.

this is only for walmart.

p.s. did you start with that limit on ae or did you call a number? and if so which one.

stuck at this measly 400 limit.

Re: So GE doesn't like me?

Anonymous — Fri, 16 Nov 2012 03:39:26 GMT

No I started off with 250. I kind of like maxed it out almost every month and paid it in full when I could then they gave me 1100 then 13 then 15 then 28

Re: So GE doesn't like me?

Anonymous — Fri, 16 Nov 2012 06:44:45 GMT

@Ricefef: can you pm that phone number also, thanks

Re: So GE doesn't like me?

Anonymous — Fri, 16 Nov 2012 07:07:26 GMT

It's easy to max out $400.00. Heck, a tv will do that...lol.

Re: So GE doesn't like me?

Tran92 — Fri, 16 Nov 2012 07:26:35 GMT

I was wondering what my chances are at getting a CLI for my walmart store card. I'm at $400 and want to take advantage of the 18 months special financing, but it says I need to purchace something at least $429!! Do you think if I call they would double my limit. I only had the card for like 2-3 weeks and purchace $30 something on the card and PIF. I'm thinking it's to early..

Re: So GE doesn't like me?

JusdoNit — Fri, 16 Nov 2012 07:38:03 GMT

Sometimes you just have to call and sometimes you just have to call back again a week later: Perserverance

Re: So GE doesn't like me?

Anonymous — Fri, 16 Nov 2012 09:11:18 GMT

PM the number please I really need it