GE Capital Bank! I love this Bank!

[Anonymous]

620 FICO... 4 medical collections. And I even have a charge off from GE 4 years ago...

Approved for:

Walmart: 300  (mine)

Old Navy: 250 (husband)

Paypal: 300 (mine)

Amazon: 600 (mine)

Macys' 100 (they dropped my credit line from 900 to 100 over a years time. NO reason never late.) Go figure. (mine)

Care Credit : 1000 (mine)

ALL GE BANK. I HAVE APPLIED AT LOWES AND DENIED AND I APPLIED FOR OLD NAVY/GAP DENIED BUT HUSBAND APPROVED. WEIRD. I KNOW. I JUST APPLIED FOR CARE CREDIT AND APPROVED YAY I GET MY TEETH CLEANED.  I ALSO HEARD THAT SONY IS VERY HARD AND CHEVERON.  JCPENNY AND AE ARE PRETTY EASY TO GET.

[jamesdwi]

Sorry to be the bearer of bad news, its highly unlikely to graduate to the discover version in 6 months, Typically its from the start or it takes 12 to 24 months at least. I have had my Walmart card for 16 months, started at $900, currently sitting at $2500, usually PIF, no late payments on any credit card, only one baddie on my report now a 6 year old medical collection, total UTL on all cards has been below 9% at times, currently higher but GE is still giving me CLI's, including  a 4k CLI on my 6 month old Sam's Club card.  Walmart pulled TU Fico is 690 this month, But my Walmart card is still just a store version perhaps it will change in a few more months. 

[eviLution]

I've never heard of anybody getting upgraded in 6 months, CLI maybe, but getting upgraded to Discover takes at least a year.

[youngandcreditwrthy]

Took me two years to get the upgrade!