Is there a cap on JCP CLI

[Anonymous]

I can't seem to get past the $1800 mark with them as far as CLI they keep denying me.

[tray]

Hi, ain't this something, my JCPenny card is at $1,800.00 too and I was just denied a cli recently.  I do have a walmart card opened in December $1,200.00 limit and earlier this month went to Sam's club to open up a membership there and was told I was preapproved for credit although not the discover, I told them I am not interested, so I do not know what gives right now with jcpenny.

[Anonymous]

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@Anonymous wrote:

I can't seem to get past the $1800 mark with them as far as CLI they keep denying me.

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My limit is $3,000.  I was recently denied a CLI too. JCP is my oldest card.

[elaine829]

Im stuck at 1800 credit line too with my Jcpenney card. Have been denied 3 times since ive gotten that credit limit. Had card since 08. Probably wont ask  for anymore.

[Anonymous]

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@elaine829 wrote:

Im stuck at 1800 credit line too with my Jcpenney card. Have been denied 3 times since ive gotten that credit limit. Had card since 08. Probably wont ask  for anymore.

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Yea same here seems like there not gonna grant me anymore CLI. My card has been at this limit for over a year.

[RobertEG]

In my humbled opinion, CLI might not be as significant as you expect, as regards FICO scoring.

Each CLI request is probably hitting you as a hard inq.

Let us say that they relented, and increased your CL to $3,000.

What will you then get from that?

What is your overall CL and % util on all revolving accounts now reporting?  How much will a $1.200 increase in CL on that one store card affect your overall % util?

Revolving % util is calculated, approx 50/50, on overall % util, and then on % util of indiv cards.  Fico does not directly score CLs.

If your CL is bumped up on one card, it may show improvement in overall % util, but as for the scoring of that one card, a $0 balance on a $50,000 CL is exactly the same as a %0 balance on an $1,800 card.

[Anonymous]

It's a soft no hard.

[stefanc]

 My JCP was stuck at 1800 for well over a year - denied CLI online every 4-5 months...

FInally in December or January I hit the button online -- $2,400! I was begining to think it would be 1800 for ever.