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Getting greedy with new walmart store card--credit line increase

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coachmiff
Regular Contributor

Getting greedy with new walmart store card--credit line increase

Got approved yesterday for 600 cll---wanting some help with the following questions:

 

1)should I recon today and if so which number do I call since their are a lot of bd#'s--use underwriters or new accounts?

 

2) wait for card to come and call # on back or bd #?

 

3)wait 2 months and then call?

 

Heard so many success stories --trying to build up utilization--thanks again for all your great input!!!!!!!

Navy Siggy Cash Rewards 25K , Navy plat visa 25k,navy go 25k, Navy Check 15K, , USAA Am Exp 18K, USAA MC Rate Advantage 18K, Discover IT 18.5K, PayPal Extras MC 7.5K, Chase Military Star MC 2.5K, Military Star 8.05k, Wallmart discover 7.5k, Amex bce 25k,Boa cash rewards25k, southwest chase 4k, nasa cr 30k,nasa rew 5k,barc rewards 25k=279k+ scores 750 across the board
Message 1 of 12
11 REPLIES 11
nuggets321
Frequent Contributor

Re: Getting greedy with new walmart store card--credit line increase

GECRB is renowned for great cli's.... pretty much standard talk around here is to hit the luv button after each 4 statements for best success

TU-721 (MortgagePull) EQ- 697(MortgagePull ) EXP 693(MortgagePull) FWEB 24,2015
My Wallet : Dicover More 35,500 CL -Amex Zync NPSL -WellsFargoRewards4800 - -CapOne 3000CL -GEMBWalMart 5000CL - Zales 4000CL-Kays 2900--Macys 5000CL /SSFCU 5000CL / CitiBank Diamond Pref 15000CL - CHASE Freedom 13500CL -Lowes 10,000 CL - BBuyStoreCard 10,000CL Sears Store Card (Citi) 3000 - Firestone CFNB 1400 Toyota Financial $35,000 Auto -2200DiscountTire(GECRB) Citi TY Preferred 8100CL - Chase Slate$4000-BofA15000-ToyotaRewardsVisa$10,700 -BofA$8500 AMEX BCE 9,500
Message 2 of 12
Revelate
Moderator Emeritus

Re: Getting greedy with new walmart store card--credit line increase

Can call now actually; I did with a $700 approval and since I wanted to make an 800 and change purchase, asked if they could help me.  They bumped it to 900 with almost no fuss, though the Walmart checkout did complain about the payment type on the Walmart card, am guessing the systems weren't updated quite as quickly as the CSR suggested.

 

In any event it landed on my reports the other day with a $900 limit; however, I think beyond that I'll just stick to the 4 statements CLI pattern though I've heard some getting it sooner.  




        
Message 3 of 12
jcstarkey8826
Established Contributor

Re: Getting greedy with new walmart store card--credit line increase


@Revelate wrote:

Can call now actually; I did with a $700 approval and since I wanted to make an 800 and change purchase, asked if they could help me.  They bumped it to 900 with almost no fuss, though the Walmart checkout did complain about the payment type on the Walmart card, am guessing the systems weren't updated quite as quickly as the CSR suggested.

 

In any event it landed on my reports the other day with a $900 limit; however, I think beyond that I'll just stick to the 4 statements CLI pattern though I've heard some getting it sooner.  


My CLI came before my fourth statement. So I wasnt able to request more through the luv button. YMMV, but Id give it a shot now. Can't hurt anything

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL
Message 4 of 12
coachmiff
Regular Contributor

Re: Getting greedy with new walmart store card--credit line increase

just called the first bd # on walmart underwriters(2nd one didn't work--disconnected) and asked for cli--the csr said she could try it but it would be another hp--sound right?--I declined.

Navy Siggy Cash Rewards 25K , Navy plat visa 25k,navy go 25k, Navy Check 15K, , USAA Am Exp 18K, USAA MC Rate Advantage 18K, Discover IT 18.5K, PayPal Extras MC 7.5K, Chase Military Star MC 2.5K, Military Star 8.05k, Wallmart discover 7.5k, Amex bce 25k,Boa cash rewards25k, southwest chase 4k, nasa cr 30k,nasa rew 5k,barc rewards 25k=279k+ scores 750 across the board
Message 5 of 12
Revelate
Moderator Emeritus

Re: Getting greedy with new walmart store card--credit line increase


@coachmiff wrote:

just called the first bd # on walmart underwriters(2nd one didn't work--disconnected) and asked for cli--the csr said she could try it but it would be another hp--sound right?--I declined.


There's some discrepency with CSR info, my request was reviewed with the credit report that was pulled for approval; however, I literally called in something like 2 minutes post approval and I wasn't asking for all that much.

 




        
Message 6 of 12
snowkitty
Established Contributor

Re: Getting greedy with new walmart store card--credit line increase

A few days ago a csr told me it would be a hard pull....I hung up with her and called back to speak with someone else...they said it was a soft pull which is always how it's been for me with ge
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Message 7 of 12
tdoger
Established Member

Re: Getting greedy with new walmart store card--credit line increase

I got a card in November.  I had to call to get an answer as it said pending for several days.  After some security questions I was approved for a WM Discover, but with only an 800 limit.  I asked the person I was talking to about an increase.  He said I needed to wait to get the card.  

 

I blew it off as I really only applied for the score, but on a whim I did call underwriting yesterday (877-379-8173)  to ask for an increase.  Only one statement has cut and I have only used it 2 times; once for 35 to renew my Sams membership, and a few days ago for gas (just to use it).  The gas is still a pending one dollar authorization.  I said I wanted a more "usable" CL and asked for $5000.  She soft pulled my TU and approved it.  I would recommend calling rather than using the button, as I doubt the button would give that much of an increase.     

Message 8 of 12
Epcot
Valued Contributor

Re: Getting greedy with new walmart store card--credit line increase

GE sure is great with increases. I have had my walmart card since november, and my second statement just cut. I will wait a couple more months to see if they auto-cli, if not I will call and ask.


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841
Message 9 of 12
zerobacan
Established Contributor

Re: Getting greedy with new walmart store card--credit line increase

Great info, my 4th statement cut day is Feb 9, how low was your balance?

 

My CL is 300, should i leave it at 100? 50? 30?

 

Thanks

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Message 10 of 12
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