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$100 Auto-CLI Walmart, pffftttt....and an (UPDATE)

racer-x
Valued Contributor

$100 Auto-CLI Walmart, pffftttt....and an (UPDATE)

Got the card in late October, and have only had (3) statements.  Woke up to a $100 Auto-CLI.  Ummm, I should definitely call backdoor/underwriting number, right?

 

Walmart TU is 652, up from 641.  But, a recent lender pull has my TU at 676.  Which was about the same time as the new Walmart score.

 

Btw, I've  (2) $15k, (2) $10L, a $6k, a $5k, $3500, $1875, $1500, and $1k CC's, and a $650 Lowes. 

 

(1) paid baddie on TU ($165 utility, 2yrs. old) is keeping my score 79 points lower between Walmart TU and myfico EQ.  And 55 pts lower between a lender pulled TU and myfico EQ.

Message 1 of 42
41 REPLIES 41
snowkitty
Established Contributor

Re: $100 Auto-CLI Walmart, pffftttt....

I would call the backdoor number...it can't hurt. I have never had an auto with them but I assume for them to give you one, means they are open to extend it more. Good Luck!

TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Message 2 of 42
kevinjjc
Valued Contributor

Re: $100 Auto-CLI Walmart, pffftttt....

Congrats! Hey, it's better than nothing. So what's your new limit? I agree that you should call the backdoor # to recon for a higher limit since this is a GE backed card. Good luck! Please let us know how it went.
Message 3 of 42
Repo-ed
Senior Contributor

Re: $100 Auto-CLI Walmart, pffftttt....

Some never get ANY amount of auto-CLI

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
Message 4 of 42
corleone
Established Member

Re: $100 Auto-CLI Walmart, pffftttt....

I used the card frequently 3-5 times a month and took the MAX cash back option everytime at the checkout.   I never did the 4th statement increase the 1st year I had the card.   My first increase was only $200 but the next was $550 then next two $900 and $1200.   IMO use the card and never carry a balance and take the cash back option there is no fee for that.  Cash taken I just turnaround and deposit at the bank which is next door to the store.  

Message 5 of 42
racer-x
Valued Contributor

Re: $100 Auto-CLI Walmart, pffftttt....

Limit went from starting at $700 to $800.

 

I used the card alot during the holdiays and paid in full at the register as soon as the transaction was not 'pending' anymore on my account.  The store is only a mile away.

 

Since it is GE backed, it should help that I currently bank with GECU (local to me).  I have a $3500 VISA ($0 balance) and $8200 auto loan with them as well.  I'm also set up with direct deposit.  Not sure if any of that info helps my backdoor calling chances or not.

 

I've got $25-30K in  reporting CL's (depends on which one), and 3% utiliz.   I have about $37K CL's in cc's that aren't reporting yet.

 

I'll give them a call in a bit...I shouldn't sound 'ungrateful' I guess.   I'm just not happy with their TU scoring to begin with. 

Message 6 of 42
wche
Regular Contributor

Re: $100 Auto-CLI Walmart, pffftttt....

Why aren't you happy with their TU scoring?

Message 7 of 42
racer-x
Valued Contributor

Re: $100 Auto-CLI Walmart, pffftttt....

.....because Walmart TU had me at 641 when a lender pulled TU had me at 676. 

Don't we all like whoever gives us a higher score?  Smiley Tongue 

Message 8 of 42
Cadillac-XTS
Established Contributor

Re: $100 Auto-CLI Walmart, pffftttt....

Congrats

Message 9 of 42
racer-x
Valued Contributor

Re: $100 Auto-CLI Walmart, pffftttt....

Denied. Called backdoor. Lady said that 99.9% of the time after a cli, they won't give another for awhile. Idk
Message 10 of 42
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