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I applied online last night for a Walmart card.....and was approved for the Walmart disc over..with a 950 credit line.....I called this morning to ask for a increase and after a few questions she came back and stated that she could only approve me for 1900. Should I be happy? This is my first Gecrb credit card. They pulled Tu my score is 712, utilization is 30percent.
@masseye wrote:I applied online last night for a Walmart card.....and was approved for the Walmart disc over..with a 950 credit line.....I called this morning to ask for a increase and after a few questions she came back and stated that she could only approve me for 1900. Should I be happy? This is my first Gecrb credit card. They pulled Tu my score is 712, utilization is 30percent.
Congrats on your approval!! . The question is- are you happy about it? I think a $1900 starting limit with Walmart is a good start! I started I think with $500 and a 1.5 years later I am $9K on the regular store card. GE will grow with you.
I don't know if I am happy or being silly.....a few yrs ago I would have been so excited with 950 dollars...now that I have a nice portfolio........Nfcu-12k, Amex Zync, Amex platinum, CITI-6k,Chase Freedom-5k,Discover-1.1k, etc....I thought I would have gotten a nicer CLI......
i will see how it grows....the analyst said I could call back before 4 months....when I have more of a payment history with them and ask for another CLI.
@masseye wrote:I don't know if I am happy or being silly.....a few yrs ago I would have been so excited with 950 dollars...now that I have a nice portfolio........Nfcu-12k, Amex Zync, Amex platinum, CITI-6k,Chase Freedom-5k,Discover-1.1k, etc....I thought I would have gotten a nicer CLI......
i will see how it grows....the analyst said I could call back before 4 months....when I have more of a payment history with them and ask for another CLI.
Be happy!
This could can/will easily reach the CL levels of your Citi/Chase cards, and one call to UW (on a new account, no less) put it greater than your Discover. Mine has gone from $900 to $4000 just this year, and this is common for the GE cards. And, as an added bonus you get the free monthly TU Fico.
Very nice! Since it's a GECRB backed card, it should grow nicely for you. Congrats!
@masseye wrote:I don't know if I am happy or being silly.....a few yrs ago I would have been so excited with 950 dollars...now that I have a nice portfolio........Nfcu-12k, Amex Zync, Amex platinum, CITI-6k,Chase Freedom-5k,Discover-1.1k, etc....I thought I would have gotten a nicer CLI......
i will see how it grows....the analyst said I could call back before 4 months....when I have more of a payment history with them and ask for another CLI.
Don't let it bother you. Follow what the rep says. I got a WMD in September with a starting CL of $800. Two months later I called and requested an icrease to $8000 and was approved. From my reading here, it seems they like to start quite low, but the lines grow like weeds. Congrats!
Dont worry they grow quick.....they be reach somewhere around 5 to 10 after a year
yes be happy.
so its a 1.9k limit FOR NOW
as long as your reports are clean and your util is down they will tread you nice
now this is for the store card but im sure same policy applies for the discover version
started at 800July-3000-october 5000-october all this year
when you get your card make sure to get your free fico
i started at 724 and novmeber one said 743 so i was def pushing for that cli before my best buy util hit the reports.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |