topic Re: Walmart Discover question in Credit Cards

Walmart Discover question

Anonymous — Sun, 22 Sep 2013 23:07:07 GMT

Just got approved for the Walmart Discover. Temporary creit line of $1,900.00. Is the temporary limit the acutal approved limit? Tried to call for recon of CL but since it is Sunday, I fear backdoor number is closed. Do I need the card number to recon the CL?

Also, called to chase and based on HP got CLI increased from $1100 to $10,000. Chase pulled EQ. I live in FL. I expected EX. Denied with CSR for too many pulls (auto loan and EQ took a big hit a few months ago). Credit Analysist got the job done.

Re: Walmart Discover question

myjourney — Sun, 22 Sep 2013 23:09:00 GMT

@Anonymous wrote:
Just got approved for the Walmart Discover. Temporary creit line of $1,900.00. Is the temporary limit the acutal approved limit? Tried to call for recon of CL but since it is Sunday, I fear backdoor number is closed. Do I need the card number to recon the CL?

Also, called to chase and based on HP got CLI increased from $1100 to $10,000. Chase pulled EQ. I live in FL. I expected EX. Denied with CSR for too many pulls (auto loan and EQ took a big hit a few months ago). Credit Analysist got the job done.

1900.00 it is Congrats on your new card and the CLI

Re: Walmart Discover question

maiden_girl — Mon, 23 Sep 2013 00:11:00 GMT

Sounds like you app'd in store. The temporary credit is the credit line amount you're allowed to use in store until you get the physical card. The temporary credit line is always lower than the actually CL.

Re: Walmart Discover question

09Lexie — Mon, 23 Sep 2013 00:43:28 GMT

Congrats to both! The hp with Chase was def worth it!

Re: Walmart Discover question

Anonymous — Mon, 23 Sep 2013 00:50:58 GMT

Thanks all. I found a backdoor number on another credit board which lead me right to an analyst, which was surprising for GECAP at 7:30 east on a Sunday night. Got her to up the limit to 7,500 and then asked for $10,000.00 after that. Got that.. Almost asked for $15k after that but I remember I read something somewhere about GE decreasing CLs for little use. Mainly wanted the card for the TU FICO, but the 10k CL doesnt suck. With an initial line like that, can I expect decent auto CLI after 4 months of PIF? Decent meaning in the 1k range.

Still thinking of calling again tomorrow to see if I can get more, but don't want to push my luck.

Thanks again for all the info on this site, it has been great.

Re: Walmart Discover question

09Lexie — Mon, 23 Sep 2013 00:55:47 GMT

Congrats! I think you've done extremely well.

Re: Walmart Discover question

Anonymous — Mon, 23 Sep 2013 01:59:02 GMT

Congrats OP! What are your scores currently? I'd like to apply soon but waiting for my score to increase first. Wondering how long I need to wait.

Re: Walmart Discover question

resilient — Mon, 23 Sep 2013 02:23:21 GMT

@09Lexie wrote:
Congrats! I think you've done extremely well.

+100!

Re: Walmart Discover question

Anonymous — Mon, 23 Sep 2013 02:42:20 GMT

@Anonymous wrote:
Congrats OP! What are your scores currently? I'd like to apply soon but waiting for my score to increase first. Wondering how long I need to wait.

Thanks!

Credit Seasame (EX) FAKO is 683 as of a week ago.

Credit Karma (TU FAKO) is 710 as of this morning, but 690 last week. I got an unexpected auto CLI from Wells Fargo of $1,500.00 before last statement cut. I also got a $2,500.00 CLI out of Discover, bringing that card to $11,100 CL. Those two items reported this morning and brought the CK score up.

I got an impromptu auto loan in July which pulled EQ, which was about 670. I was not anticipating this loan so score was not optimized at the time. I asked for a CLI from CITI in Aug which was denied. CITI said EQ was 690. Don't know if that is real or internal score. The CLI did not result in a HP. I did pay off 2.5k in debt between the auto loan and the CITI CLI request, so score might have gone up.

Before today's victories, i had 13k in balances out of 40k in credit, roughly 34% UTI. AAOA according to USAA credit monitoring is 4.5 years. CK has AAOA as 3 years 9 months.

I have had a discover card for 6 years and I have a Kanes Furniture card with GECAP since the beginning of this year. I don't know if those played into the approval for the WM Discover.

Income is 78k.

Re: Walmart Discover question

Anonymous — Mon, 23 Sep 2013 15:15:35 GMT

Great, thanks!

Re: Walmart Discover question

BearsAndTurtlesRtheBest — Mon, 23 Sep 2013 16:03:45 GMT

Even with a $10k CL you should still receive auto CLIs congrats.

Re: Walmart Discover question

Anonymous — Wed, 25 Sep 2013 02:44:30 GMT

Gears kept churning in my head and i saw a few posts about 20-25k walmart cards. The number I had is a direct line to UW, so I called it again and asked for $17,500.00 It was approved. While I would like to go to 25k, i don't want to risk a review and a CLD. I will let it grow for a while before I ask for that much credit.

All of my walmart pulls exept for the app were softs.

Re: Walmart Discover question

myjourney — Wed, 25 Sep 2013 02:45:18 GMT

@Anonymous wrote:
Gears kept churning in my head and i saw a few posts about 20-25k walmart cards. The number I had is a direct line to UW, so I called it again and asked for $17,500.00 It was approved. While I would like to go to 25k, i don't want to risk a review and a CLD. I will let it grow for a while before I ask for that much credit.

All of my walmart pulls exept for the app were softs.

So you asked the the limit be cut?

Re: Walmart Discover question

Anonymous — Wed, 25 Sep 2013 02:48:11 GMT

No, I called on Sunday to recon my initial $1900 CL to $7,500, and then to 10k. I called again tonight and got it up to $17,500.

I thought about asking for 20 or 25k, but opted against it.

Re: Walmart Discover question

BearsAndTurtlesRtheBest — Wed, 25 Sep 2013 02:48:12 GMT

Congrats! and yeah use it here and there and PIF. CLI are unpredicatble they can be of $100 or $2000. Thats a great CL,

Re: Walmart Discover question

myjourney — Wed, 25 Sep 2013 02:51:43 GMT

@Anonymous wrote:
No, I called on Sunday to recon my initial $1900 CL to $7,500, and then to 10k. I called again tonight and got it up to $17,500.

I thought about asking for 20 or 25k, but opted against it.

Good move not a good idea to keep poking that bear before you get the card not to mention they are reducing some peoples limits because of selling that division and going public with an IPO

Re: Walmart Discover question

BearsAndTurtlesRtheBest — Wed, 25 Sep 2013 02:53:24 GMT

Yeah dont poke me or else a heard bears are gonna appear in your front yard.....hahha JK

Re: Walmart Discover question

Anonymous — Wed, 25 Sep 2013 14:54:48 GMT

What exactly did you say to UW to get them to up your CL?

Re: Walmart Discover question

Anonymous — Thu, 26 Sep 2013 00:03:02 GMT

Both times I told them the same thing.

Told them I was just approved on Sunday, I havent gotten the card yet, but I wanted to see if they could raise my CL. I told them I would like additional credit for the upcoming holiday season. They asked how much I wanted and on the second call, after having gotten 10k on the first call, I asked for 17.5k. They said it would be a soft pull, asked income, and put me on hold. approved what I asked for.

Re: Walmart Discover question

Anonymous — Tue, 01 Oct 2013 19:11:20 GMT

Got the card yesterday. Registered and signed up for online billing. Signed up for transunion fico. Got a pleasent surpise. TU fico is 730. My 8.9k chase CLI still isnt reporting, so I assume I should see a bump once that happens.