topic Re: Walmart Increase-stepbystep in Credit Cards

Walmart Increase-stepbystep

Anonymous — Mon, 10 Dec 2012 22:32:31 GMT

Sitting at 1,100 limit with Walmart CC.

Called backdoor number provided by the forum, more specifically CotySinz (thank you!).

Spoke with a lady that after two rings and she said "Hello?"

I said I hoped I reached the correct place, I'm looking to get an increase for my Walmart credit card limit.

She, not providing name or department name, title, anything,

"Well let me see how I can help you. Please provide me your mailing address, last 4 of social, and individual net income."

After I provided all of that I thought I'd have a chance to say why I wanted an increase before giving her the amount I want,

but she just asked what I wanted, and I asked for 2.9k to get me to 4k that would slightly beat my Discover.

Held for 3 minutes. She came back and asked me to wait 2 more minutes.

Once she came back she said "a letter will be sent out explaining why", and right as she said that I thought I got denied completely,

"we could not provide your requested amount but have made your limit $2200. You should receive your letter in 7-10 days. Anything else?

Thank you for calling Walmart Credit something (i can't remember)"

The End

So...for my first backdoor number call to get an increase, I think that's alright. I honestly knew I wouldn't have them match my Discover since

my util is outrageous, but I'm really glad they could double my limit.

Sorry to all of you who weren't expecting a novel, but I'm very happy with the experience I had, and will be posting a new question here

in response to my new limit.

Re: Walmart Increase-stepbystep

Hightechredneck — Mon, 10 Dec 2012 22:43:50 GMT

Good job!

Re: Walmart Increase-stepbystep

Anonymous — Mon, 10 Dec 2012 22:46:06 GMT

Nice job! Good to know that they counter you on the same call if the requested amount is considered too high for your current credit profile. I have my first CLI due on Feb 5 and hope to double my limit (or higher) as well.

Re: Walmart Increase-stepbystep

kobe2012 — Mon, 10 Dec 2012 22:47:58 GMT

Congratz!! Its always nice to get an increase...i probably called them 20 times the past month to increase my walmart but they wont budge..lol ..last increase was october and its only a 7 month old card...started @500 .. I think they already know my name..lol

Re: Walmart Increase-stepbystep

Anonymous — Mon, 10 Dec 2012 22:49:39 GMT

Well I hope both of your future CLI's go as great, if not greater, than my first call today! Now I have to decide something that maybe everyone can help me with.

I have my 6th month statement ending in three days for my Citi Simplicity.

I am wanting to get an increase on that card as well.

Will this limit increase today for my WM card help my chances of seeing maybe double my 1600 on my Citi card?

OH! I was going to ask everyone. She said right before she put me on hold she would have to look at my credit profile.

Is this considered hard or soft for this backdoor number I called for my Walmart card?

Re: Walmart Increase-stepbystep

daveg38 — Mon, 10 Dec 2012 22:51:12 GMT

While number is considered 'backdoor' on the list? Credit analysts or what?

Re: Walmart Increase-stepbystep

Anonymous — Mon, 10 Dec 2012 22:58:58 GMT

800-480-0205 (personal accounts) is the official backdoor for personal lines, I guess.

I dug around these forums for 2 hours last night seeing what many other people called and those two

underwriter numbers provided on the forum list a lot of members said didn't take them anywhere but to

automated systems. I didn't even think to call them after CotySinz assured me that the number above

is the correct one.

Re: Walmart Increase-stepbystep

daveg38 — Mon, 10 Dec 2012 23:05:43 GMT

Thank you + 100!

Re: Walmart Increase-stepbystep

Epcot — Mon, 10 Dec 2012 23:12:52 GMT

Congrats on the increase!

Re: Walmart Increase-stepbystep

Involus — Tue, 11 Dec 2012 00:40:50 GMT

Congrats on the increase. Sorry you didn't get what you requested but you still doubled your credit limit. Hopefully that helps a bit with util% and help you get approved for you Citi CLI - just remember to wait until your reports update before you request Citi unless your confident you'll get it without the reported CLI.

Re: Walmart Increase-stepbystep

Anonymous — Tue, 11 Dec 2012 01:22:18 GMT

How will I know when my new limit after increase with my WM card will be updated so I can have some assurance when I request an CLI for my Citi?

I mean, my statement cuts the 13th on my Citi. Walmart statement cuts every 19th.

By Walmarts statement cutting the 19th, does that mean that's when my reports will show the new limit.

I thought new limits immediately go into effect?

When Citi pulls my reports on the 13th or 14th, if I choose those days to request, will they not see my new limit for Walmart?

Re: Walmart Increase-stepbystep

creditnocash — Tue, 11 Dec 2012 01:44:26 GMT

@Anonymous wrote:
How will I know when my new limit after increase with my WM card will be updated so I can have some assurance when I request an CLI for my Citi?
I mean, my statement cuts the 13th on my Citi. Walmart statement cuts every 19th.

By Walmarts statement cutting the 19th, does that mean that's when my reports will show the new limit.
I thought new limits immediately go into effect?
When Citi pulls my reports on the 13th or 14th, if I choose those days to request, will they not see my new limit for Walmart?

on your walmart account they will be effective immediately.

on your credit reports it will be whenever they usually report after statement cuts.

so if the 19th id say sometime by the 27th for tu anyways.

Re: Walmart Increase-stepbystep

Anonymous — Tue, 11 Dec 2012 01:57:28 GMT

So I should wait to request an increase on my Citi pretty much until next year?

Re: Walmart Increase-stepbystep

Anonymous — Tue, 11 Dec 2012 02:00:58 GMT

Congrats on the increases....I get that lady from India everytime I call and she has no love for me right now.....lol

Re: Walmart Increase-stepbystep

creditnocash — Tue, 11 Dec 2012 02:02:58 GMT

@Anonymous wrote:
So I should wait to request an increase on my Citi pretty much until next year?

im not sure. i guess if you want.

i monitor tu with creditkarma

and my eq with score watch.

does citi count store cards in their decisions?