topic Re: Walmart CLI question in Credit Cards

Walmart CLI question

bellrod44 — Tue, 11 Dec 2012 17:00:59 GMT

I've had my Walmart store card for 3 months now and am kind of tempted to request a CLI because of the holiday season. Is their CLI a HP or SP?

Re: Walmart CLI question

Tran92 — Tue, 11 Dec 2012 17:10:57 GMT

It is a sp.

Re: Walmart CLI question

Swapmeet — Tue, 11 Dec 2012 17:14:57 GMT

@Tran92 wrote:
It is a sp.

Re: Walmart CLI question

bellrod44 — Tue, 11 Dec 2012 17:18:50 GMT

Thanks for the response. I closed on a house in mid-October and have since taken on a couple of new cards along with the mortgage. My total util is about 30% (I plan on paying most of it off in the next month). I would like a CLI with Walmart and keep hearing about the generosity, so thought I'd give it a shot if it was a SP.

Re: Walmart CLI question

jamesdwi — Tue, 11 Dec 2012 17:22:52 GMT

Its a SP, but GE, the backer of the Walmart card usually doesn't give out CLI until you have had the card 4 months and usually every eligible, unless you call and talk to an underwriter, number in the backdoor numbers.

Re: Walmart CLI question

Swapmeet — Tue, 11 Dec 2012 17:23:38 GMT

give it a shot and let us know what happened.

Re: Walmart CLI question

bellrod44 — Tue, 11 Dec 2012 17:24:29 GMT

I was intending on waiting until the 4 month mark, but I've been reading about people getting CLIs after 2 months.

@jamesdwi wrote:
Its a SP, but GE, the backer of the Walmart card usually doesn't give out CLI until you have had the card 4 months and usually every eligible, unless you call and talk to an underwriter, number in the backdoor numbers.

Re: Walmart CLI question

Swapmeet — Tue, 11 Dec 2012 17:36:01 GMT

@bellrod44 wrote:
I was intending on waiting until the 4 month mark, but I've been reading about people getting CLIs after 2 months.
@jamesdwi wrote:
Its a SP, but GE, the backer of the Walmart card usually doesn't give out CLI until you have had the card 4 months and usually every eligible, unless you call and talk to an underwriter, number in the backdoor numbers.

As james wrote, call the uw number for wal mart for your cli request. People have gotten cli the same day they got approved for the card!

Re: Walmart CLI question

Burned2manybridgesB4 — Tue, 11 Dec 2012 17:41:45 GMT

Their 50"+ tv's are on sale now!!!

Re: Walmart CLI question

Swapmeet — Tue, 11 Dec 2012 18:07:41 GMT

lol, I just maxed my card out buying a 47" lg 3d led tv. The next day I paid it off at the register, well all but 90 cents. I am thinking about calling the uw today and asking for a cli.

Re: Walmart CLI question

jcstarkey8826 — Tue, 11 Dec 2012 18:09:14 GMT

@bellrod44 wrote:
I was intending on waiting until the 4 month mark, but I've been reading about people getting CLIs after 2 months.
@jamesdwi wrote:
Its a SP, but GE, the backer of the Walmart card usually doesn't give out CLI until you have had the card 4 months and usually every eligible, unless you call and talk to an underwriter, number in the backdoor numbers.

good luck, and definitely let us know how it goes. I was also tempted to request an increase!

Re: Walmart CLI question

Burned2manybridgesB4 — Tue, 11 Dec 2012 18:09:34 GMT

I was browsing online, and almost did the nasty, but stopped. This is the first Christmas in years that I'm ahead...and it's gonna stay that way!!!?!?!?!?? LOL...

Re: Walmart CLI question

Anonymous — Tue, 11 Dec 2012 18:09:48 GMT

@Swapmeet wrote:
lol, I just maxed my card out buying a 47" lg 3d led tv. The next day I paid it off at the register, well all but 90 cents. I am thinking about calling the uw today and asking for a cli.

I didn't realize you could pay your bill in store. Is it at any register or just at customer service? Cash payment or debit or both? I bet it posts faster than online!

Re: Walmart CLI question

Swapmeet — Tue, 11 Dec 2012 18:11:32 GMT

It posts immediately, I think -- if not, then the next day. Any register, cash, check, or debit.

@Anonymous wrote:
@Swapmeet wrote:
lol, I just maxed my card out buying a 47" lg 3d led tv. The next day I paid it off at the register, well all but 90 cents. I am thinking about calling the uw today and asking for a cli.
I didn't realize you could pay your bill in store. Is it at any register or just at customer service? Cash payment or debit or both? I bet it posts faster than online!

Re: Walmart CLI question

Anonymous — Tue, 11 Dec 2012 18:12:41 GMT

@jcstarkey8826 wrote:
@bellrod44 wrote:
I was intending on waiting until the 4 month mark, but I've been reading about people getting CLIs after 2 months.
@jamesdwi wrote:
Its a SP, but GE, the backer of the Walmart card usually doesn't give out CLI until you have had the card 4 months and usually every eligible, unless you call and talk to an underwriter, number in the backdoor numbers.

good luck, and definitely let us know how it goes. I was also tempted to request an increase!

I called and got an increase a month after I got my card. They increased my walmart, amazon and Old Navy. I didn't know it at the time but I should have asked for more. I only asked for small increases because I was new to this and they did it with no problem...but now I see other people ask for double and triple cli's and get it. Good Luck!!

Re: Walmart CLI question

Anonymous — Tue, 11 Dec 2012 18:29:36 GMT

@Swapmeet wrote:
It posts immediately, I think -- if not, then the next day. Any register, cash, check, or debit.
@Anonymous wrote:
@Swapmeet wrote:
lol, I just maxed my card out buying a 47" lg 3d led tv. The next day I paid it off at the register, well all but 90 cents. I am thinking about calling the uw today and asking for a cli.
I didn't realize you could pay your bill in store. Is it at any register or just at customer service? Cash payment or debit or both? I bet it posts faster than online!

Check payments at the register are treated the same way as payments made online. When you use a check at WalMart it is processed as an EFT (which is the same process as paying online with a linked account)

Cash and debit transactions are not subject to the massive hold for multiple payments within 1 cycle.

Also any payments at the register have to be a completly seperate transaction. You can't say I want this, that, this, that, oh and I want to pay my credit card bill. You have complete the purchases and then make the payment seperatly or make the payment and then do the purchases.

(I have a 2nd job at WM as well as have thier card).

Re: Walmart CLI question

Swapmeet — Tue, 11 Dec 2012 18:33:32 GMT

The main difference is that you can't make an online payment until a charge is posted to your account. You can make a payment at the register while it is pending. Secondly, I paid with a check and it posted the following day. You do have to know how much you want to pay ahead of time though, they can't pull up your account. They just ask you how much you want to pay. My payment was immediately pending, then posted the following day.

Re: Walmart CLI question

Anonymous — Tue, 11 Dec 2012 19:02:01 GMT

Was it the first payment of the billing cycle?

From my own experience from making payments when I called the Credit card side I was told that anything besides the first EFT in the billing cycle gets a hold. Doesn't matter if its $1 or $1000 it automatically has a hold on it....

Again emphasis is on the multiple payments. If you only make 1 payment a month, it doesn't matter how you pay it as it won't be subject to the hold period.

Re: Walmart CLI question

Swapmeet — Tue, 11 Dec 2012 19:08:38 GMT

Not only was it the first payment of the billing cycle, but it was the first payment of the account....lol. Your point is duly noted, thanks for the info -- I will use it in my conversation with uw today.

Re: Walmart CLI question

Epcot — Tue, 11 Dec 2012 19:16:32 GMT

Hope you get the increase, let us know how it goes!