Walmart CLI question

[crissyanj]

I was just recently approved for a walmart card with a 300 CL. I looking to build my credit and increase my credit limits and was wondering what synch looks for CLI. Do they like pif, balances, heavy usage etc? I tried do an CLI before getting the card and was declined due to no history.

[Anonymous]

There is so much info availible on Sync B CLI's on this board that I would be doing you a disservice to spoon feed you the info! SEARCH!

Generally if you just got it, the first thing you will find out is alot of people get a auto CLI on or around the forth statement.

[ddemari]

With Wal-Mart you have to generate a statement for a statement to cut. So if you do not use the card or PIF before the statement date, I am pretty sure Wal-Mart does not cut a statement. 

I closed the Wal-Mart card, it was too much of a hassle to get the limit increased from 150 dollars. 

[Anonymous]

I got my Walmart card back in November or December. Started out at 700. Nearly maxed it at Christmas, and have paid it down to maybe $150. Since it was 0% interest for 18 months I wasn't in a hurry to pay it all off. March statement cut with a $500 auto cli.

[elim]

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@crissyanj wrote:
I was just recently approved for a walmart card with a 300 CL. I looking to build my credit and increase my credit limits and was wondering what synch looks for CLI. Do they like pif, balances, heavy usage etc? I tried do an CLI before getting the card and was declined due to no history.

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  i don't really think spend/payments are what they look for. Synch is a strange bird that CLI's some and not others. search the forum and you shall see.

  my wally card went from $150 to $2500 in 2 months with maybe $100 spend and PIF (strange bird)

edit: found my spends from when i opened waly card...

i just called and let them know i wanted to buy some S5's and tires and move my grocery spend to waly.

[Anonymous]

You need statements to cut to get CLI's from my experience.  No statement, no CLI.

After 2 statements, there's a chance at an Auto-CLI especially if they start you at $150.

I got an Auto at 2 months, then requested CLI at 6 months, then 10 months.

[Anonymous]

I PIF and get stements...I hear often that if you PIF you wont get a statement... I disagree with this. If you used the card and paid it off before the stement cut there was still activity and a statemenr is generated to show your activity, at least for me and I not special (even if my mom thinks so)

[Anonymous]

I have a Samsclub m/c.  I've had it since Dec.  I charge a little, a lot, doesn't matter.  Never go near my CL.  Just got a CLI after 3 mos.  

[takeshi74]

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@crissyanj wrote:
Do they like pif, balances, heavy usage etc?

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All creditors base not only approvals and CL's but CLI's, APR's etc on your entire credit profile and income.  Do not rely solely on usage, "relationship", etc.  Such things may help but they're not going to overcome your credit.