Walmart CLI

[Datx]

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@aleicgrant wrote:

with walmart if I am not mistaken, you can request a CLI on the forth month of a new account?

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Supposely you are eligible for a CLI every four statements. So yes, after your 4th statement cuts then ask for a CLI in your online banking/acct.

[Anonymous]

whats an ideal score needed to be approved on the walmart card. reason for asking is i dont want to make the same mistake i did when i applied for a citi card only to find out they are hard to get with

[Ms-Kato]

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@Anonymous wrote:

whats an ideal score needed to be approved on the walmart card. reason for asking is i dont want to make the same mistake i did when i applied for a citi card only to find out they are hard to get with

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Well here are my scores and was approved right away online for $500

Transunion FICO = 673
Equifax FICO = 684
Experian FICO= 640

[Anonymous]

I app'd in Feb and was approved for the Discover card with an initial CL of $500. Received an auto CLI in June to $1,100 and last week used the LUV button and am now at $2,100.

[Booner72]

DH applied and got a 250.00 limit. OMG.  I got 400.  Ridiculous.  Only have it for the FICO score.

but we want to buy an expensive TV w/ the 6 months no interest.  Wonder if we can use both cards and still get the no interest?

Also, I hit the LUV button after 2 statements (I know mistake).  Will that make them re-set the 4 month CLI timeframe?

Thanks in advance.

[UFGuy2006]

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@Booner72 wrote:

DH applied and got a 250.00 limit. OMG.  I got 400.  Ridiculous.  Only have it for the FICO score.

but we want to buy an expensive TV w/ the 6 months no interest.  Wonder if we can use both cards and still get the no interest?

Also, I hit the LUV button after 2 statements (I know mistake).  Will that make them re-set the 4 month CLI timeframe?

Thanks in advance.

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I don't think it resets the 4 month CLI timeframe (correct me if I am wrong). You'll just get the notice in the mail stating not enough time at current limit (something along those lines).

[Elated]

Hi Booner,

I've had my Walmart CC for approximately 5 years now and still have a 0 balance. Initially I was approved for $500 CL, until I had a foreclosure hit my credit almost 3 years ago and they dropped my CL to $100.  Approximately 10 months ago, I hit the request a credit line increase button and was granted another $100 increase for a total of $200 now.

Today, I just called and spoke to a CSR to inquire about the 12 month no interest financing I rec'd with my last month's statement, (I'm now enrolled in electronic statements), and about a CLI and whether or not it was a hard or soft pull. The CSR said it was a soft pull and asked what my yearly income was from all sources and how much of an increase I was requesting; I told him $500. Low and behold I received a CL increase of $500!!! This brings my credit limit to a total of $700, (not much), but it's enough to buy that new tv I have on layaway with them, and pay it nearly off in full by the end of next month.

I can't do anymore shopping with them or anyone else however, because I am scheduled to close on my home during the first week of January.

I am so happy!!!

[Ms-Kato]

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@Elated wrote:

Hi Booner,

I've had my Walmart CC for approximately 5 years now and still have a 0 balance. Initially I was approved for $500 CL, until I had a foreclosure hit my credit almost 3 years ago and they dropped my CL to $100.  Approximately 10 months ago, I hit the request a credit line increase button and was granted another $100 increase for a total of $200 now.

Today, I just called and spoke to a CSR to inquire about the 12 month no interest financing I rec'd with my last month's statement, (I'm now enrolled in electronic statements), and about a CLI and whether or not it was a hard or soft pull. The CSR said it was a soft pull and asked what my yearly income was from all sources and how much of an increase I was requesting; I told him $500. Low and behold I received a CL increase of $500!!! This brings my credit limit to a total of $700, (not much), but it's enough to buy that new tv I have on layaway with them, and pay it nearly off in full by the end of next month.

I can't do anymore shopping with them or anyone else however, because I am scheduled to close on my home during the first week of January.

I am so happy!!!

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Congrats Elated and enjoy your new home

[Anonymous]

I started at 1100 and now am at 1500. It's been a year of slow increments by hitting luv button..

[Elated]

Thank you very much Ms.-Kato, I'm sure I will...it is beautiful thus far!!