cancel
Showing results for 
Search instead for 
Did you mean: 

Denied CLI for Walmart & Old Navy

tag
Sha80
New Contributor

Denied CLI for Walmart & Old Navy

Aother reading all the posts about CLI successes. I tried my luck.  I opened Old Navy ($300) in November and Walmart ($600) in October. I have $52000 in annual income. No mortgage or car note. I have no collections and have not been late on a payment in 4.6 years. Why am I stuck at these crummy limits. I always pay in full before the due date. However in November I opened Old Navy in store on Black Friday with a $213 purchase. Tthe account and the balance reported 4 days later. Once Ireceived my card in the mail I paid that off. Any ideas out there? Sorry for the typos my IPad won't allow me to edit. I know my signature says my CS is 655 but it's really 666. I refuse to edit it until I receive another increase.

Starting Score: EQ: 605 (10/21/2012) Trans/Walmart: 641(10/26/2012)
Current Score: EQ: 678 (4/9/13) Trans/Walmart: 693 (5/13/13) EX: 648 (4/10/13) Lender pull

Message 1 of 20
19 REPLIES 19
patternofstars7
Contributor

Re: Denied CLI for Walmart & Old Navy

I recently just got a CLI from Walmart. I believe it has to be at the 6 month mark to even be eligible for a CLI. Others might chime in but that was the case for me.

Message 2 of 20
rtw
Established Contributor

Re: Denied CLI for Walmart & Old Navy

i just got my Walmart Discover in November. I called the backdoor number today to get an increase. Maybe you should try that route.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 3 of 20
Rhaeny
Valued Contributor

Re: Denied CLI for Walmart & Old Navy


@rtw wrote:

i just got my Walmart Discover in November. I called the backdoor number today to get an increase. Maybe you should try that route.


But did you get the increase?  


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 4 of 20
rtw
Established Contributor

Re: Denied CLI for Walmart & Old Navy

@Rhaeny, Yes, I went from 2K to 4K.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 5 of 20
SpeedingWheels
Contributor

Re: Denied CLI for Walmart & Old Navy

The rule of thumb with GE is you wait for the 4th statement to cut before you call for a CLI. 

Some people get lucky before the 4th statement, but for your best odds wait the full 4 cycles. 


Walmart Discover ($5000) - Amazon ($5500) - Cap1 Cash Rewards ($2000) - Meijer ($5000) - Discover More ($1800) - Car Care One ($2100) - Amex Delta Skymiles ($2000) - Citi Thank You Preferred ($2000) - Chase Freedom ($500) - Sam's Club, GE ($1237?)
Message 6 of 20
Rhaeny
Valued Contributor

Re: Denied CLI for Walmart & Old Navy


@rtw wrote:

@Rhaeny, Yes, I went from 2K to 4K.


Oh that was a nice bump! Congrats!


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 7 of 20
Duncanrr
Valued Contributor

Re: Denied CLI for Walmart & Old Navy

I went from 1.8k to 5.4k when I got approved 9/10/12 and did by phone CLI request on Black Friday.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 8 of 20
creditnocash
Valued Contributor

Re: Denied CLI for Walmart & Old Navy

how many lates do you have? 

inqs? 

 

did you ever burn any companies in the past? 

have a bk? 

 

i would pull your full reports and see if there is any negative data on it. 

 

i would find a local cu that reports to all three cra and get a card there. they are usually good with limits. 

as for low limits creditorts fall suit. 

 

if you have 10 cc's at 300 each who is going to want to give you a 5k card. 

i started walmart at 800 and then went too 3k and then too 5k, but i already had a 3.5k card and a 2.5k card. 

 

alas that 5k card got me another 5k card. 



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
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 9 of 20
Sha80
New Contributor

Re: Denied CLI for Walmart & Old Navy

6 lates oin total in 7 years reporting. Filed Ch 13 6/08 discharged early 10/12. My highest limit now is $1000 with Cap 1 Plat, Spark, & Merrick. Merrick should auto increase to $2000 with my 8th statement on the 14th. My Trans does not report my BK. EX & EQ have 6 negs all discharged. Chase & Cap 1 were burned but with low amounts. Less than $1000 each. Hope this helps.

Starting Score: EQ: 605 (10/21/2012) Trans/Walmart: 641(10/26/2012)
Current Score: EQ: 678 (4/9/13) Trans/Walmart: 693 (5/13/13) EX: 648 (4/10/13) Lender pull

Message 10 of 20
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.