topic Re: GECRB has no max limit!!! in Credit Cards

GECRB has no max limit!!!

youngandcreditwrthy — Fri, 01 Mar 2013 00:27:56 GMT

So I called Cred Solutions today to request a cli on a GE account...
I was denied for one of the first times ever lol!!
Oh well, nbd... I have plenty of cred... I just do it for fun at this point!

Anyway, the rep over there told me that the regular Customer Service Reps donhave limits on each account but that she could put it at whatever limit she wanted!!!!

So maybe our time spent trying to fig out GE's max limit exposure is just...time wasted?

Re: GECRB has no max limit!!!

Revelate — Fri, 01 Mar 2013 01:06:35 GMT

@youngandcreditwrthy wrote:
So I called Cred Solutions today to request a cli on a GE account...
I was denied for one of the first times ever lol!!
Oh well, nbd... I have plenty of cred... I just do it for fun at this point!

Anyway, the rep over there told me that the regular Customer Service Reps donhave limits on each account but that she could put it at whatever limit she wanted!!!!

So maybe our time spent trying to fig out GE's max limit exposure is just...time wasted?

Always take whatever a CSR tells you with a grain of salt. Just because they can type whatever they wish into the box, doesn't mean there's not a limit that's enforced during underwriting.

Re: GECRB has no max limit!!!

navigatethis12 — Fri, 01 Mar 2013 01:50:11 GMT

@Revelate wrote:
Always take whatever a CSR tells you with a grain of salt. Just because they can type whatever they wish into the box, doesn't mean there's not a limit that's enforced during underwriting.

I just wonder what their underwriting is. I went from 1200 to 10000 in one month. They never ask any questions about anything, they just approve. The only other lender that is that easy is FIA, but they do a hard inquiry.

Re: GECRB has no max limit!!!

Anonymous — Fri, 01 Mar 2013 03:41:14 GMT

What was you're reason for denial?

Re: GECRB has no max limit!!!

Anonymous — Fri, 01 Mar 2013 04:02:59 GMT

not just too much credit but:

WAAAAAAAAY TOO MUCH CREDIT!!!

Re: GECRB has no max limit!!!

nicholasyud — Fri, 01 Mar 2013 05:20:47 GMT

give backdoor CSR a break man lol......

Re: GECRB has no max limit!!!

Creditaddict — Fri, 01 Mar 2013 05:39:58 GMT

What is your GE Total Credit now?

Re: GECRB has no max limit!!!

youngandcreditwrthy — Fri, 01 Mar 2013 13:44:52 GMT

Lol.. I disagree. Credit only becomes a problem if you USE it. I have one GE account with a balance...
Let's see....
I have .... At least around $85k in avail credit from GE with a bal of $850 on my Paypal MC.
Lol :-)

They wouldn't give me the reason over the phone lol... I'll wait til I get the letter. It's prob due to the new Citi card that just started reporting.
My last TU 08 FICO was 690 while my last EQ Fico was 684....

These are at least a month old. So that's prob why I got denied. Lol oh well... I've been getting clis like crazy since like Nov 2011. I've gone from a pure, backdoor/ recon free avail cred of like $50k to almost $145k since then...mostly due to the tricks Ive found on this board :-) lol

Re: GECRB has no max limit!!!

Anonymous — Fri, 01 Mar 2013 14:48:49 GMT

You have 85K in credit with one bank and you don't think that is the reason they denied you're CLI request? How much credit do you think they will give you?

Re: GECRB has no max limit!!!

Creditaddict — Fri, 01 Mar 2013 14:57:59 GMT

@Anonymous wrote:
You have 85K in credit with one bank and you don't think that is the reason they denied you're CLI request? How much credit do you think they will give you?

I don't know about you all but that number just seems SO SILLY attached to anything that would follow after GE!

$85k is more than I managed with Amex in the hay days of free credit.

But after working at a store that used GE, I'm still shocked each time I see the credit cards and lines OP has with GE.... I think I will submit you to Guiness books of world records with most credit line with GE!

Re: GECRB has no max limit!!!

Anonymous — Fri, 01 Mar 2013 15:00:41 GMT

@Creditaddict wrote:
@Anonymous wrote:
You have 85K in credit with one bank and you don't think that is the reason they denied you're CLI request? How much credit do you think they will give you?
I don't know about you all but that number just seems SO SILLY attached to anything that would follow after GE!
$85k is more than I managed with Amex in the hay days of free credit.
But after working at a store that used GE, I'm still shocked each time I see the credit cards and lines OP has with GE.... I think I will submit you to Guiness books of world records with most credit line with GE!

I have one GE card at 6k and I keep thinking about hitting the luv button or calling the back door number but I don't want the banks that I actually use to deny me credit increses due to that card having too much.

Re: GECRB has no max limit!!!

Creditaddict — Fri, 01 Mar 2013 15:02:44 GMT

@Anonymous wrote:
@Creditaddict wrote:
@Anonymous wrote:
You have 85K in credit with one bank and you don't think that is the reason they denied you're CLI request? How much credit do you think they will give you?
I don't know about you all but that number just seems SO SILLY attached to anything that would follow after GE!
$85k is more than I managed with Amex in the hay days of free credit.
But after working at a store that used GE, I'm still shocked each time I see the credit cards and lines OP has with GE.... I think I will submit you to Guiness books of world records with most credit line with GE!
I have one GE card at 6k and I keep thinking about hitting the luv button or calling the back door number but I don't want the banks that I actually use to deny me credit increses due to that card having too much.

I would not worry about other banks denying you unless you have $20+k credit lines and are putting $10k yearly income.

Re: GECRB has no max limit!!!

Anonymous — Fri, 01 Mar 2013 15:07:49 GMT

@Creditaddict wrote:
@Anonymous wrote:
@Creditaddict wrote:
@Anonymous wrote:
You have 85K in credit with one bank and you don't think that is the reason they denied you're CLI request? How much credit do you think they will give you?
I don't know about you all but that number just seems SO SILLY attached to anything that would follow after GE!
$85k is more than I managed with Amex in the hay days of free credit.
But after working at a store that used GE, I'm still shocked each time I see the credit cards and lines OP has with GE.... I think I will submit you to Guiness books of world records with most credit line with GE!
I have one GE card at 6k and I keep thinking about hitting the luv button or calling the back door number but I don't want the banks that I actually use to deny me credit increses due to that card having too much.
I would not worry about other banks denying you unless you have $20+k credit lines and are putting $10k yearly income.

I know! I know! every time I think of asking for an increase I just imagine some credit analyst denying me for a card and saying you aready have plenty of credit LOL

Re: GECRB has no max limit!!!

swpopham — Fri, 01 Mar 2013 15:14:10 GMT

my wife hates this board. Because everytime I see one of these threads I make her call and up one of her ge cards. lol you guys are great

Re: GECRB has no max limit!!!

Creditaddict — Fri, 01 Mar 2013 17:01:49 GMT

@swpopham wrote:
my wife hates this board. Because everytime I see one of these threads I make her call and up one of her ge cards. lol you guys are great

Speaking of uping... Based on the cards and limits I see in your sigi you need to have a conversation with Navy to move you up to $35k today

Re: GECRB has no max limit!!!

swpopham — Fri, 01 Mar 2013 17:44:11 GMT

@Creditaddict wrote:
@swpopham wrote:
my wife hates this board. Because everytime I see one of these threads I make her call and up one of her ge cards. lol you guys are great
Speaking of uping... Based on the cards and limits I see in your sigi you need to have a conversation with Navy to move you up to $35k today

Already tried! so I paid off the LOC and both mine and wifes cards and call again next month! they gave me $500 extra! I was like geeze thanks thats 2 tanks of fuel right now! They are weird Its a love hate relationship with them...

Re: GECRB has no max limit!!!

youngandcreditwrthy — Fri, 01 Mar 2013 18:18:08 GMT

Lol.. It's not a big deal that they denied me a cli as I mentioned previously.
All I can do from this point is to keep paying my bills on time and get my FICO higher :-)

Im anxious to know the reasons for denial though! I wonder if it will be something income related!
Eh, we shall seeeee

Re: GECRB has no max limit!!!

youngandcreditwrthy — Fri, 01 Mar 2013 18:22:15 GMT

Btw, it's worth noting that many of my GE accts...
Dillard's, JCP, Lowe's... Have been opened since like 2007... So a pretty long time. I didn't get these limits overnight. Ive simply always had an aggressive credit-building strategy in place since I was old enough to get cred :-)

Re: GECRB has no max limit!!!

Anonymous — Fri, 01 Mar 2013 18:24:30 GMT

@youngandcreditwrthy wrote:
Btw, it's worth noting that many of my GE accts...
Dillard's, JCP, Lowe's... Have been opened since like 2007... So a pretty long time. I didn't get these limits overnight. Ive simply always had an aggressive credit-building strategy in place since I was old enough to get cred :-)

You are very agressive, that is for sure. I'm sure it helps that you have quite a few accounts with GE and they are easy to get CLIs with Chase, AMEX and the such move quite a bit slower.

by my account you have right at 130K in credit lines, is this accurate?

Re: GECRB has no max limit!!!

youngandcreditwrthy — Fri, 01 Mar 2013 18:27:58 GMT

It's in the $130k-145k range....

My Amex even grew pretty quickly...
Got $3500 initially, then got the 3xcli to $10.5k on the 61st day. I know not to ask for more than $25k after six more months! Lol
I'm not even bothering asking Chase for a cli; they like to do hps, and my Freedom card is maxed haha!