Walmart CLI Question........

[sr1019]

I have heard on hear many times people getting CLI's after 4 months of having the card.  My wife has had two increases and has had the card 3 months longer than I have had.  I have had the Walmart card for 6 months now and after two failed attempts through the backdoor number listed on here and multiple failed attempts through the luv button I am lost on what to do.  Has anyone else had this experience?  I have a utilization of 10% right now on my revolving accounts and no derog. marks for over 2.5 years now.  Any help would be awesome.  Am I doing something wrong?  

Thank you in advance....

[MarcinXP]

I don't know. I had GE for good 16 months and barely got increases with an ok score..it was not much, but got some. My SO had GE Cards for around the same time and could not get an increase, could not get manual review, nothing! And that is with way higher score than mine and I'm talking about 710 vs. mine of 640 at the time last year. Finally about 12 months after opening her Old Navy and Dillars, her one card went from $300 to $1800 and another from $400 to $1100 which is way more than any of my increases!! Then after 4 months again her $1800 went to $4800 and $1100 went to $2100! Very weird as nothing has changed on her credit profile other than some accounts aging! On the other hand, my slow and steady has been slow and steady until today, but still nowhere near where she is at. Don't be frustrated. Just keep on using it and PIF! GE will show love eventually!

[coldnmn]

Welcome to the forum! They seem to want 4 statements to post with a balance. Also if you haven't call GECRB credit solutions listed in the back door numbers. If you have done this the only thing you can do is give them more time. Good Luck with your journey!

[sr1019]

Thank you MarcinXP for the advice.  I will keep doing that.  I have a zero balance on it right now and charged $4.23 on it last month and PIF.  My high balance has been in the 200's which I PIF as well.  I have had one month with a revolving balance on it and PIF the following month.  I'll just hang in there with it and see what happens.

[coldnmn]

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@sr1019 wrote:

Thank you MarcinXP for the advice.  I will keep doing that.  I have a zero balance on it right now and charged $4.23 on it last month and PIF.  My high balance has been in the 200's which I PIF as well.  I have had one month with a revolving balance on it and PIF the following month.  I'll just hang in there with it and see what happens.

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You don't have to carry over a balance after your statement posts you can pay in full and avoid interest. The computer seems to like 4 statements reporting a balance. From what I have read that seems the most consistant in getting CLI. YMMV

[coldnmn]

Just a suggestion search the board for Walmart CLI. Then make up your own mind on what to do after reading the posts.

[09Lexie]

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@sr1019 wrote:

I have heard on hear many times people getting CLI's after 4 months of having the card.  My wife has had two increases and has had the card 3 months longer than I have had.  I have had the Walmart card for 6 months now and after two failed attempts through the backdoor number listed on here and multiple failed attempts through the luv button I am lost on what to do.  Has anyone else had this experience?  I have a utilization of 10% right now on my revolving accounts and no derog. marks for over 2.5 years now.  Any help would be awesome.  Am I doing something wrong?  

Thank you in advance....

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While Credit Solutions can be very generous with CLIs there are some factors on a credit profile that may cause denials.  The length since your last derog, type of derog and as already stated -after 4 statements. 

If you have derogs (2-1/2 years) can still be weighing your CS down. 

[sr1019]

Thank you coldnmn for you advice.  I have had balances each month but paid in full a majority of them before the statement printed.  I have had 6 statements print so far.  I'll just wait a little longer and see what happens.  I'll definitely let everyone know when I get a CLI and what steps I had taken for anyone else that has been in my situation with the card.  Thanks again everyone for your help.

[sr1019]

09Lexie-  The derog was a collection.  My tu (walmart score) is 655.  I have not had any late payments in the last 2.5 years.  My starting limit with the Walmart card is 400.00.  I called them and asked them for 1000.00 and they came back with a no.  How long does a derog affect your score for?  I know the older it is the less effect it has but that can prevent me from getting a small increase to a 1,000?  Thanks for your help.

[09Lexie]

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@sr1019 wrote:

09Lexie-  The derog was a collection.  My tu (walmart score) is 655.  I have not had any late payments in the last 2.5 years.  My starting limit with the Walmart card is 400.00.  I called them and asked them for 1000.00 and they came back with a no.  How long does a derog affect your score for?  I know the older it is the less effect it has but that can prevent me from getting a small increase to a 1,000?  Thanks for your help.

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A collection can ding your score for 2-3 years, impact lessening after 4 but the appearance of the CA may be the reason why they are saying no.  What was the amt? Paid or unpaid?