GEMB At it Again

[Anonymous]

Well in the original cli slash go round... They cut my Amazon by 350.00 Paypal by 390.00.. flat out closed Lowes.. and cut Chevron by 200.00.  Interestingly.. they actually gave me a 75.00  increase on Walmart, although the instant message and the letter they sent me said I was declined my CLI.

Then a month later I ask the automated system for a CLI and get  $1250 on JCPenney...  So everything was slashed to no more than $350 CL and JCPenny was increaste to a total of $1500.00. That one still boggles my mind especially since JCP, from what I hear, like high usage and I had the card for neraly six months before I even bothered with it.

Well today.... Walmart has gone from $575 to $100.00.  I am happy I saw this today before I actually tried to shop.    I cannot even access Paypal for whatever reason.  They might have clsed it.   JCPenney is stil the same... but... I am not counting on it staying that way.

I have paid everything off to a 0 balance except the Penny's card. which has a balance of about $90.00.  Will be interesting to see what happens as a result.

Message Edited by Changingmantra on 02-19-2009 05:49 PM

Message Edited by Changingmantra on 02-19-2009 05:52 PM

Message Edited by Changingmantra on 02-19-2009 05:53 PM

[Anonymous]

GE has been softing me allot lately i hope there not getting ready to hit me with a CLD. I use my Sam's & Wal-Mart cards allot.

[Red1Blue]

Sorry to hear what happend to you.

[marty56]

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@Anonymous wrote:

GE has been softing me allot lately i hope there not getting ready to hit me with a CLD. I use my Sam's & Wal-Mart cards allot.

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I have also noticed that they are softing me every month on both of my GEMB accounts.

[Anonymous]

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@marty56 wrote:

I have also noticed that they are softing me every month on both of my GEMB accounts.

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Last month on the 29 the softed all 3 of my accounts on the same day.

[Anonymous]

How do you tell when they are pulling "soft" inquiries on you???

[moonman]

I was using my chevron card like mad last year for a couple of months and one day i notice that during those months on the credit report i pulled, they were pulling a soft almost every other day for three months.so i thought nothing of it until i requested a cli and was denied but got a cld.........paid it off and sockdrawed it for now on.

[marty56]

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@Anonymous wrote:
How do you tell when they are pulling "soft" inquiries on you???

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I use EQ Score Watch Gold which shows soft INQs.  You could also order a hard copy of your CR from the CRAs which would also show them.

[Anonymous]

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@marty56 wrote:

I use EQ Score Watch Gold which shows soft INQs.  You could also order a hard copy of your CR from the CRAs which would also show them.

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 Does Score Watch Gold show softs for all 3 CRA or just EQ?

[emptypockets]

Earlier this month, my Walmart (600 CL) was CLD to 124. I went and charged 2 DVD's and when I received my statement, they had changed the CL back to 600. I have a Lowe's with a 1500 limit, that I used just once, and noticed the CLI request button on the account, and clicked it, and was approved for a 1500 CLI. Who knows what is going on, but it seems very random to me.