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Walmart MC Approved...CLI Denied

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Valued Member

Walmart MC Approved...CLI Denied

I was approved for a Walmart MC last week and received it today. Of course while I was on the phone activating it, I requested a CLI and was flat out denied.  No counter offer, no nothing. Just a letter coming in the mail. I wonder if I asked too high? 

 

My SL is $1200 and I asked for a $6000 CLI. My TU is at 707 today.  

 

Any ideas? Am I moving too fast in you guys' & gals' opinion? Or do I need to go crashing in there with another offer?  (you know me...I will do it in a heartbeat)

Capital One Secured $200/ Credit One Platinum $450/ Fingerhut $500/ Capital One Platinum $500/ First National Bank $500/ Guitar Center $500/ Merrick Bank $1200/ Barclays Everyday $1,500/ Chase Slate $1,500 / USAA $2,000/ Walmart MC $6,000 / Lowes $10,000

EQ 681 TU 716 EX 675
Message 1 of 10
9 REPLIES 9
Established Contributor

Re: Walmart MC Approved...CLI Denied

Congrats on the approval. It seems that Sync is tightening the purse strings with the out of the gate CLI, but they are probably going to give you the "not enough experience at current credit limit" reason for awhile since your other cards have much lower CLs than 6K. It'll grow! I think it is just going to take a little time. 

2/5/18 EX 738 TU 751 EQ 737 9% Util All reports on ice! Gardening again!
NFCU CR ($25,000) | BofA CR ($19,800) | Discover ($12,300) | BofA BBR ($7,000) | Amazon ($6,000) | Citi Costco ($7,900) | Marvel ($8,000) | Chase Amazon ($6,000) | Paypal MC ($8,000) | Barclay Apple ($4,300) | AMEX BCE ($12,000) | AMEX ED ($1,000) | Cap QS ($3,400) | GM Buy Power ($2,000) | Citi DC ($2,700) | Wayfair ($9,400) | Victoria's ($4,000) | NFCU CLOC ($15,000) | Tiffany & Co ($1,000)
Message 2 of 10
Valued Contributor

Re: Walmart MC Approved...CLI Denied

Frontline CSR's when activating aren't too good when it comes to a CLI... .give this number a call instead and ask for $20K and they will counter with the highest possible amount at the time of the request.

 

877-379-8173

Message 3 of 10
Valued Member

Re: Walmart MC Approved...CLI Denied

Thanks for the feed back ya'll.

 


@austinguy907 wrote:

Frontline CSR's when activating aren't too good when it comes to a CLI... .give this number a call instead and ask for $20K and they will counter with the highest possible amount at the time of the request.

 

877-379-8173


Hey austinguy907, the number you referenced is the number I called. I love this number because it is he one I used to get my Walmart and Lowes 3-5 day notices turned into same day approvals.

 

I did get transfered to someone else for activation, then transfered again for CLI request. Maybe I didn't get beck to my sweet spot. Is there a record that I just called and requested?

 

 

Capital One Secured $200/ Credit One Platinum $450/ Fingerhut $500/ Capital One Platinum $500/ First National Bank $500/ Guitar Center $500/ Merrick Bank $1200/ Barclays Everyday $1,500/ Chase Slate $1,500 / USAA $2,000/ Walmart MC $6,000 / Lowes $10,000

EQ 681 TU 716 EX 675
Message 4 of 10
Valued Contributor

Re: Walmart MC Approved...CLI Denied

I would call directly again just to make sure since when they bounce you around you might have ended up back in the US where they're stingy about CLI's.

Message 5 of 10
Community Leader
Super Contributor

Re: Walmart MC Approved...CLI Denied

I have noticed recently that those who get instant denial at opening of card, if you let a statement cut, usually there are better results second time around. I would buy something make a payment and after your payment registers, call CS again. I think, like Noxqs stated, with the purse strings being tightened, the wallet that goes inside can still be filledSmiley Happy ( they just gotta reach into the purse first lol)
#ChaseCreditCardHobby Enthusiast
2022
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Message 6 of 10
Valued Member

Re: Walmart MC Approved...CLI Denied


@AverageJoesCredit wrote:
I have noticed recently that those who get instant denial at opening of card, if you let a statement cut, usually there are better results second time around. I would buy something make a payment and after your payment registers, call CS again. I think, like Noxqs stated, with the purse strings being tightened, the wallet that goes inside can still be filledSmiley Happy ( they just gotta reach into the purse first lol)

Point duly noted and well taken. I will implement that strategy on here. Thanks for the input all.

Capital One Secured $200/ Credit One Platinum $450/ Fingerhut $500/ Capital One Platinum $500/ First National Bank $500/ Guitar Center $500/ Merrick Bank $1200/ Barclays Everyday $1,500/ Chase Slate $1,500 / USAA $2,000/ Walmart MC $6,000 / Lowes $10,000

EQ 681 TU 716 EX 675
Message 7 of 10
Community Leader
Super Contributor

Re: Walmart MC Approved...CLI Denied

Good luck. Youve already did the hard part, getting the mastercard versionSmiley Happy. Your TU is nice and as that goes up so will this card. Hope you get it especially as its coming up for ChristmasSmiley Happy
#ChaseCreditCardHobby Enthusiast
2022
!
Message 8 of 10
Frequent Contributor

Re: Walmart MC Approved...CLI Denied

Nice Get!!!  Walmart MC comes in handy.

USAA Rate Advantage Visa 17.5% 7K|USAA AMEX Rewards+ 5K|USAA Prefered Rewards Visa 4.5K|USAA Classic Visa 2.5K|USAA Classic AMEX 2.5K|USAA Classic MC 2K|CaptialOne QS1 4.5K|Capial One QS Visa 1K|AMEX-EDC 1K|BofA Rewards VISA 10K| BarclayCard Rewards 4K|Barclaycard Choice Rewards Visa 1.4K|Walmart Store Card 6K|Amazon Store Card 4K|Sam's Club 10K|Meriick Visa 1.2K|OverStock 2K|Hilton-AMEX 5K|AMEX BCE 16K|PENFED PRVS 9K|AMEX PRG NSPL|FICOs: EQ 688 EXP 679 TU 685
Message 9 of 10
Established Contributor

Re: Walmart MC Approved...CLI Denied

Congrats! Gotta love Synch.

 

I still don't understand their logic in how they give out storecard/ bankcard. Sometimes they give high limit store cards while other times they give out low limit bankcards.

 

As others have said the Mastercard version should be pretty awesome, they seem to run deferred interest during the holidays. 

 

You also get that 1% cashback I believe on every purchase don't take my word, though, I have been out of the loop lately!

AAOA 15 months Fico 08's 714 717 678 11% Utilization
Message 10 of 10
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