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Walmart CLI - $100 > $500

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Member

Walmart CLI - $100 > $500

I was approved for Walmart Store Card in December, 2017 with $200 CLI. I always carried a balance on it, usually $150+ and on 19 December, 2018 I received a letter from synchrony bank saying that my limit was decreased to $100 Smiley Sad

 

At the time of limit decrease, I had a balance of $178/100 on it!!! I immediately paid in full, swiped the card couple times for $80 - $90 and paid in full every time. I tried hitting the luv button 10+ times in last 2 months, but no luck. Just tried again, requesting $1000 & got this message:

We are unable to grant the full amount that you requested;
however, we are able to increase your credit limit to $500.00.

Your increased credit limit is available for immediate use.

You will receive a confirmation letter in 7-10 business days.

EQ: 531, TU, 514 (9/28/2018) FAKO
EXP: 681, EQ: 661, TU: 669 (1/14/2019) FICO 8

EXP: 695, EQ: 664, TU: 677 (2/15/2019) FICO 8


Inq: EXP: 26, EQ: 23, TU: 30
Oldest Account: 1year 10months

OpenSky Secured ($250), CreditOne Visa ($600), TheBuildCard MasterCard ($500), Indigo MasterCard ($300), ReflexCard ($500), CapitalOne Platinum ($300), CapitalOne QuickSilverOne ($300), Target StoreCard ($200), Walmart Store Card ($500), Meijer StoreCard ($750), Kohl's StoreCard ($300), FingerHut ($1000), Discover Cash Back ($2000)
Message 1 of 10
9 REPLIES 9
Community Leader
Mega Contributor

Re: Walmart CLI - $100 > $500

Congratulations on your increase 

EX 759 EQ 774 TU 753


Message 2 of 10
Community Leader
Super Contributor

Re: Walmart CLI - $100 > $500

CongratsSmiley Happy Im suprised they wont give you more on your score but im guessing its the excessive inquiries holding you back. Enjoy the increaseSmiley Happy
#ChaseCreditCardHobby Enthusiast
2022
!
Message 3 of 10
Community Leader
Mega Contributor

Re: Walmart CLI - $100 > $500

You can ask again in 4 months, so mark your calendar 

EX 759 EQ 774 TU 753


Message 4 of 10
Community Leader
Super Contributor

Re: Walmart CLI - $100 > $500


@Remedios wrote:

You can ask again in 4 months, so mark your calendar 


And just in time too before they make that tranisition over to CapOne and make it harder to get any CLI from them.

 

Congrats OP on your CLI!

Message 5 of 10
Frequent Contributor

Re: Walmart CLI - $100 > $500

If at first you don't succeed ...

 

Congrats on the increase.

Current Score: Mar 2019: EX FICO8 779, TU FICO8 800, EQ FICO 780, TU Vantage 773, EQ Vantage 786
AoOA: closed: 35 years, open: 24 years; AAoA: 11.8 years; Inquiries: 2019: 2, 2018: 3; No BK ever, 1 30 day late in 2013
Amex Gold, Amex Green, Amex Blue, Amex ED, Amex Delta Gold, Amex Hilton Surpass, BoA Platinum Plus, Chase Slate, Chase Amazon, Chase CSP, Sync Lowes, Sync JC Penney - total CL 129k
Loans: Prosper (20k/3yrs 7.14%), Lending Club (10k/3yrs 5.89%), Chase car loan (35k/6yrs 0.9%)
Message 6 of 10
Member

Re: Walmart CLI - $100 > $500

We were going through bad financial situation for past 1.5 years, my utilization has been 95%+ on every single card but managed to pay the minimum payment on-time and never late. Today, I am at 25% utilization with $7000 overall CL. Also opened joint checking account with synchrony bank last month.

EQ: 531, TU, 514 (9/28/2018) FAKO
EXP: 681, EQ: 661, TU: 669 (1/14/2019) FICO 8

EXP: 695, EQ: 664, TU: 677 (2/15/2019) FICO 8


Inq: EXP: 26, EQ: 23, TU: 30
Oldest Account: 1year 10months

OpenSky Secured ($250), CreditOne Visa ($600), TheBuildCard MasterCard ($500), Indigo MasterCard ($300), ReflexCard ($500), CapitalOne Platinum ($300), CapitalOne QuickSilverOne ($300), Target StoreCard ($200), Walmart Store Card ($500), Meijer StoreCard ($750), Kohl's StoreCard ($300), FingerHut ($1000), Discover Cash Back ($2000)
Message 7 of 10
Senior Contributor

Re: Walmart CLI - $100 > $500

Congrats on CLI !!!

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 8 of 10
Community Leader
Valued Contributor

Re: Walmart CLI - $100 > $500

Congrats! That’s good progress!
Discover It: 19.7k
Amex BCE: 18k
Citi DC: 5.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 9 of 10
Member

Re: Walmart CLI - $100 > $500

Thanks everyone. DH and I have been working to get our credit utilization between 10-15%. Also working on closing the annual fee cards (which won't ever grow). Already called Indigo this week, paid the $300 balance in full and requested to close the card immediately.

EQ: 531, TU, 514 (9/28/2018) FAKO
EXP: 681, EQ: 661, TU: 669 (1/14/2019) FICO 8

EXP: 695, EQ: 664, TU: 677 (2/15/2019) FICO 8


Inq: EXP: 26, EQ: 23, TU: 30
Oldest Account: 1year 10months

OpenSky Secured ($250), CreditOne Visa ($600), TheBuildCard MasterCard ($500), Indigo MasterCard ($300), ReflexCard ($500), CapitalOne Platinum ($300), CapitalOne QuickSilverOne ($300), Target StoreCard ($200), Walmart Store Card ($500), Meijer StoreCard ($750), Kohl's StoreCard ($300), FingerHut ($1000), Discover Cash Back ($2000)
Message 10 of 10
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