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why on earth do i keep getting denied a cli ,walmart

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Anonymous
Not applicable

why on earth do i keep getting denied a cli ,walmart

Your FICO® Score based on TransUnion Data,  is 753

Message 1 of 38
37 REPLIES 37
Jnbmom
Credit Mentor

Re: why on earth do i keep getting denied a cli ,walmart

How long have you had the card? With ours we didn't not get one until 4 months had passed.

EXP 780 EQ 796 TU 810
Message 2 of 38
Anonymous
Not applicable

Re: why on earth do i keep getting denied a cli ,walmart

limit is 200  started with a 622 now 753 does not compute to me . 

Message 3 of 38
DebtJoe
Regular Contributor

Re: why on earth do i keep getting denied a cli ,walmart

Need more data points. Are all your current cards maxed or have a high utilization?

Your sig also says you have 50 inquiries between your three reports. If this is true, you are seeking way too much new credit, and that's gonna spook just about everyone.


8/1/2018 FICO Scores:

6/29/2021 FICO Scores:
Message 4 of 38
Anonymous
Not applicable

Re: why on earth do i keep getting denied a cli ,walmart

OP, posting your FICO score does little good.  Listing out as much profile data as possible about yourself is much more meaningful.

 

I wouldn't even put FICO score in the top 5 reasons of why a creditor would give out a CLI. 

 

There are people out there with perfect 850 credit scores that can't get CLIs; FICO score in and of itself means very little.

Message 5 of 38
Anonymous
Not applicable

Re: why on earth do i keep getting denied a cli ,walmart

all cards 0 bal except cash rewards bbt  its 2000/8000 because of balance transfer i did to help my mom out with 

. 18 inquirys on tu  but if they hurt to bad looks like they would hurt my score.

Message 6 of 38
Brian_Earl_Spilner
Credit Mentor

Re: why on earth do i keep getting denied a cli ,walmart

Have you been shopping at Target on the side? Maybe getting a little Costco action?

 

Sync can be a little funny. They might be holding back as the change over is right around the corner. You should probably call the overseas number.

    
Message 7 of 38
Anonymous
Not applicable

Re: why on earth do i keep getting denied a cli ,walmart

Yeah, those inquiries aren’t doing you any favors.

For some, Sync is a hard nut to crack and very mysterious with their ways.
Message 8 of 38
Brian_Earl_Spilner
Credit Mentor

Re: why on earth do i keep getting denied a cli ,walmart


@Anonymous wrote:

all cards 0 bal except cash rewards bbt  its 2000/8000 because of balance transfer i did to help my mom out with 

. 18 inquirys on tu  but if they hurt to bad looks like they would hurt my score.


After you get to a certain point, the inquiries stop hurting you. 9 was where I stopped getting dinged.

    
Message 9 of 38
Anonymous
Not applicable

Re: why on earth do i keep getting denied a cli ,walmart


@Jnbmom wrote:

How long have you had the card? With ours we didn't not get one until 4 months had passed.


4th statement cutting soon around the 23rd i think

Message 10 of 38
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