@myjourney wrote:That is a YMMV situation I guess wow
Barclay and GE are BK/CH friendly and one is showing luv while the other isn't based on the same TU info ...Strange I know but hang in there...
It's all good. I don't lose sleep over it. I'm gardening till 2016 anyway... no apps and only CLI requests are those that SP.
I'm hoping for an increase in my Wally card too...I use it occasionally just for usage and typically pay it off immediately. I don't plan on growing this credit line anytime soon, but hopefully in the distant future it will become a decent line.
@TRC_WA wrote:
@myjourney wrote:I don't think you have to literally carry a balance as in paying interest but they will not report w/o usage and from what I've read their new line for denials is you haven't used the card and that kind of makes sense when you think about it in those terms when asking for more credit
I made a $350 purchase that I took 3 months to pay off with a 0% deal... the next 4 months I charged around $100 a month and PIF... and charged $400 last month on another 0% deal... paid $100 and currently have a $300/$700 balance.
My reason for denial was "too many inquiries" despite the fact I have 1 inquiry for 2014 with everything else 6-12 months old. I suspect the Ch 13 is also playing a role in their decision... it's just baffling that GE is being difficult while lenders like Barclay are being generous.
I've heard all about the "CLI every 4 months" but I've called 3 separate times and have been denied each time.... everything you see in my sig is accurate and I am more than deserving of an increase... but whatever... I'm only in it for the Discover/Mastercard upgrade. I don't even shop at Walmart unless it's online.
It all falls under the YMMV but I don't buy into the GE hype at all.
Same here
@mattmix36 wrote:I'm hoping for an increase in my Wally card too...I use it occasionally just for usage and typically pay it off immediately. I don't plan on growing this credit line anytime soon, but hopefully in the distant future it will become a decent line.
And whataya know...just a couple weeks later and I got a nice 2k auto CLI!...Now 2.4k
