Walmart CLI Question

[Anonymous]

I recently called and spoke to an underwriter To attempt to get an increase, my card is 400 limit and I was looking to get it up to 1000. Now I'm running a high utilization on it currently, I'm just wondering if my balance needs to be paid down before I try again. I was denied of course. I have only 3 statements on this card so far

[Anonymous]

What number did you call? I recently got approved on my Walmart and Amazon card to $3k and $3.5K and my limits were $700 (Walmart to 3.5K) and $900 (Amazon to $3K) that's all I asked for and was approved for both. I also has a balance on my Amazon card when I asked for the CLI they didn't say anything about the balance. All they said was that I had a balance and asked if the amount I was asking for was still going to accommodate me since I had a balance.

Depending on the number you called I could give you a different number to call (if it's not the same number) to ask. This number has been great for a lot of people.

[Anonymous]

866-519-6441.
I seem to keep getting the same lady and it's always a no.

[Anonymous]

Yea that's the number I called too but there are a couple people calling and getting a lady who keeps telling everyone No so maybe call back. If u remember her name that will help too when calling back to but someone who got a lady that told them no called back and got a guy who approved it. Good Luck and I will keep my fingers crossed for you!!

[Anonymous]

Also my Amazon limit was $900 with a $235 balance when I called and requested a increase to 3K. So I had a balance of about 26% when I called and was approved to a increase to $3K if it's a little high and after u try calling again with a different person that also tells you No then maybe pay it a little amd try again.

[ojefferyo]

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@Anonymous wrote:
Yea that's the number I called too but there are a couple people calling and getting a lady who keeps telling everyone No so maybe call back. If u remember her name that will help too when calling back to but someone who got a lady that told them no called back and got a guy who approved it. Good Luck and I will keep my fingers crossed for you!!

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Call multiple times I'm sure there are others willing to give you more

[Anonymous]

So...even though I'm running a high utilization, I should still keep trying?

[gdale6]

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@Anonymous wrote:
So...even though I'm running a high utilization, I should still keep trying?

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I would advise you to pay down your high util first then try again you will have a better shot at it then.

[FinStar]

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@gdale6 wrote:

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@Anonymous wrote:
So...even though I'm running a high utilization, I should still keep trying?

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I would advise you to pay down your high util first then try again you will have a better shot at it then.

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Also, based on your separate thread those described factors are not going to help any until your overall profile improves.  On the surface, a Walmart CLI at this point may be a little premature.  Utilization is one component, so is your age of accounts, etc.  The likely best course of action is to let your accounts age, lower those balances and let time do its thing.

[Anonymous]

That is exactly what I was thinking too FinStar. So, I'm putting myself in the garden for at least 6 months, maybe longer. Whatever it takes at this point.