Walmart Discover increased w/o asking?

audia4 · ‎08-09-2013

I have only had my Walmart Discover for 4 months. I have charged and then completely PIF. I went to go pay my bill today (8/9, which is not due until 8/27) and I just happen to notice something different. They gave me an increase of $1000. Is this normal after only having it such a short period of time and without telling you or you asking for it? I noticed there was a little button beside the "Available Credit" that says "Request Increase" and I was going to put it to full use after this month (since my very last bad thing on my credit will fall off then), but it looks like they have already done that for me.

I was just wondering if this was normal?

When should be the next time "I" decide to ask for an increase? I started at $800 and now it's up to $1800. I am super excited.

I also thought that you can only get your TU update on the 10th of the month and when I "checked my score" it gave me a new score today... which after getting that increase, it actually dropped my points down by 6.

Either way, I'm very happy about this.

TU: 819 EQ: 821 EX 811

**$7500****$30,000*****$13500****$42,200****$10,000***$10,700*****$6000****$11,000*****OPEN****OPEN******$27,000*****11,000

myjourney · ‎08-09-2013

Congrats wait 3-4 months and ask again

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

injustifiiable · ‎08-09-2013

Hit them up for increases every 4 months like clockwork. They did give you one at the 4 month mark automatically but you can always see if you can get more!

It looks like updates can happen anytime before the 10th but no later than that.

CREDITSURFER · ‎08-09-2013

congrats! are the luv button's for walmart discover card SP's?

Mouse over for CL
FICO EQ (670) 9/6, TUwalmart (725) 11/4, Discover FICO (725) 11/19, AMEX EX Pull (728) 11/29
GOAL: 750 with all

myjourney · ‎08-09-2013

@CREDITSURFER wrote:
congrats! are the luv button's for walmart discover card SP's?

Yes

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

audia4 · ‎08-09-2013

@CREDITSURFER wrote:
congrats! are the luv button's for walmart discover card SP's?

What does this mean? (Sorry, not up to date on the terminology)

TU: 819 EQ: 821 EX 811

**$7500****$30,000*****$13500****$42,200****$10,000***$10,700*****$6000****$11,000*****OPEN****OPEN******$27,000*****11,000

CREDITSURFER · ‎08-09-2013

the luv button is know as the request credit limit increase button, SP is soft pull inquiry (only viewed by you)

Mouse over for CL
FICO EQ (670) 9/6, TUwalmart (725) 11/4, Discover FICO (725) 11/19, AMEX EX Pull (728) 11/29
GOAL: 750 with all

audia4 · ‎08-09-2013

@CREDITSURFER wrote:
the luv button is know as the request credit limit increase button, SP is soft pull inquiry (only viewed by you)

Thanks for the info.

On another note, I went on Credit Sesame and there was a notice that there was a credit increase on my credit on Aug 6th. WOO HOO.

TU: 819 EQ: 821 EX 811

**$7500****$30,000*****$13500****$42,200****$10,000***$10,700*****$6000****$11,000*****OPEN****OPEN******$27,000*****11,000

injustifiiable · ‎08-09-2013

@audia4 wrote:
@CREDITSURFER wrote:
the luv button is know as the request credit limit increase button, SP is soft pull inquiry (only viewed by you)
Thanks for the info.

On another note, I went on Credit Sesame and there was a notice that there was a credit increase on my credit on Aug 6th. WOO HOO.

Yes...GECRB reports pretty quickly. Some would say...too quick. lol (when I was approved it was on my report the next day...lol)