How high does the Walmart Store Card Limit go?

[chnceit]

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@CS800 wrote:

My Wally card sits at a CL of $6000 and I was told that that's the max it can go. Obviously I was given the wrong info. I'm calling the backdoor to see if they would push me to 8 or 10 k

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Call the backdoor number and talk to a underwritter. This is normal statement for a frontline CSR to state this. Good luck! I went from 5K to 10K on my Amazon Store card. 

[Anonymous]

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@CS800 wrote:

My Wally card sits at a CL of $6000 and I was told that that's the max it can go. Obviously I was given the wrong info. I'm calling the backdoor to see if they would push me to 8 or 10 k

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Yes, you were given wrong information.  Let us know how it goes!

[chnceit]

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@armbenderc wrote:
I am at 5k, should I ask for 7500 or 10k? I want a sure thing, so 7.5k?

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Nothing is a sure thing, its always a YMMV thing IMO. But they will counter offer you if you do not qualify. Good luck!

[Anonymous]

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@armbenderc wrote:
I am at 5k, should I ask for 7500 or 10k? I want a sure thing, so 7.5k?

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I'd ask for the 10k and let them counter if they are going to counter.

[09Lexie]

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@Anonymous wrote:

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@chnceit wrote:

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@Anonymous wrote:

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@starry1 wrote:
That's insane! How could anyone possibly spend that much at Walmart? It's the store card and not the discover, right?

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First, one could absolutely spend that much if they wanted to. Second, for me this is purely for utilization purposes. I've used the card exactly three times. Once for a printer, once for groceries, and once for things for my daughter's apartment, which was the most at 974 bucks. Each time I paid it in full. In fact I paid the 974 while the charge was still pending, so for a few days I had a credit of 974 dollars. 

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LOL walmart is like costco, never knowing how much you actually spend till you check out.

And GE cards are for sure UTI purposes 

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LOL! That's for sure! We have the Walmart super center and they have some of EVERYTHING in that place! I went to buy things for thanksgiving dinner and that place was so crowded I swore I would never go back. If it can't be purchased online, I won't be getting it! Lolololol! At any rate, people do some major shopping there! I'm going to buy a television for my daughter's apartment soon and it will be charged to my Walmart card and then paid in full. Obviously GE likes that because they keep giving me increases!

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LOL! I thought it was just me! Even driving into the parking lot gives me the hives! I got the card in Sept and have had 2 CLI's ( not as high as yours of course) but I have used it 3x .  They were selling the iPhone 5 for $127 last month and I couldn't resist buying 3.  Guess that makes it 4x 

[Anonymous]

What was everyones initial starting limit? Mine is $800 and plan on asking for a cli in about a month or so once I've used it a few times. What amount should I asked them for?

[09Lexie]

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@Anonymous wrote:

What was everyones initial starting limit? Mine is $800 and plan on asking for a cli in about a month or so once I've used it a few times. What amount should I asked them for?

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Mine was $700.  I think you might need to wait for 3 or 4 statements before asking - I got my first one after the 2 nd and another a month later -so YMMV. Ask for 2 or 3x your current limit and let them counter or approve. 

[bs6054]

Re getting CLIs for utilization: Is there a point where this backfires?  

CK dings me for utilizing under 1%, and I assume this has some basis in FICO.  I was trying to get the magic "1-9% on one card, 0 on the rest"   As the available CL grows, this becomes harder because:

a) I choose which card to use for what based on rewards, and I might not have all the needed spend on one particular card

b) that particular card might start having too high utilization   (e.g. you have 20 $10K cards, 1% is $2,000.  If you put that one card, you are at 20%)

[Anonymous]

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@Anonymous wrote:

What was everyones initial starting limit? Mine is $800 and plan on asking for a cli in about a month or so once I've used it a few times. What amount should I asked them for?

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Mine had a $1,200 starting limit when my only other cards were a $300 Capital One and a $600 Macy's (which may not have been reporting yet).

[Anonymous]

Ya I probably wait a few months then, thanks for the replies!