When should you ask for credit limit increases?

**Wanderer** · July 7th, 2010, 05:07 AM

Originally Posted by ColoNative

I know, I thought it was CVS. Not bad either way.

It is CVS...

**krave** · September 23rd, 2010, 10:32 PM

Originally Posted by Joeyman

You use your JC Penny store card at Rite Aid? I didn't know they had a relationship. O_o

yup, they do have a relationship.

i use it for small purchases, like rite aid ice creams. =)

**Joeyman** · September 24th, 2010, 01:20 AM

Originally Posted by krave

yup, they do have a relationship.

i use it for small purchases, like rite aid ice creams. =)

Hehe. Nice! There's actually a Rite Aid close to me.

**Meya** · October 3rd, 2010, 05:54 PM

Wow, I didnt know that we could use our card there.

You learn something new everyday.

**Joeyman** · October 6th, 2010, 06:35 AM

Originally Posted by Wanderer

It is CVS...

"The JC Penney credit card can be used at all JC Penney locations, including its outlet stores, as well as for catalog purchases, and for online purchases on their website. Customers also can use the JC Penney card at any CVS Pharmacy or Rite Aid Pharmacy. People can apply for the card their website or at any JC Penney store."

**krave** · October 6th, 2010, 11:39 PM

Originally Posted by Joeyman

"The JC Penney credit card can be used at all JC Penney locations, including its outlet stores, as well as for catalog purchases, and for online purchases on their website. Customers also can use the JC Penney card at any CVS Pharmacy or Rite Aid Pharmacy. People can apply for the card their website or at any JC Penney store."

Thanks for verifying Joeyman!

**elvilimon197** · March 1st, 2012, 08:05 PM

wow I love this site! very helpfull I get all happy to see other geting CLIs and is not even me! lol am new here I really hope I can become as smart as most of the guys here!! am working on my cleaning my credit now

!! wish me luck yall!!!

**Wanderer** · March 2nd, 2012, 01:57 AM

Originally Posted by elvilimon197

wow I love this site! very helpfull I get all happy to see other geting CLIs and is not even me! lol am new here I really hope I can become as smart as most of the guys here!! am working on my cleaning my credit now

!! wish me luck yall!!!

Building or rebuilding credit is a slow process requiring lots of patience. Some posters on this site (myself included) have experimented with different methods to maximize our scores and rush the bad luck out the door. In the end it takes time and staying on top of what is being reported. In my case it took two years to build enough to get close to prime cards and ten years to get pre-qualified offers of the lowest apr's (needed the combination of good 'average age of account' coupled with 'length of credit history'). Not to be forgotten is NOT to many inquiries. Doesn't seem to matter how good your credit report is, too many inquiries and credit accounts leads to DENIALS.

**hjm331** · March 11th, 2012, 06:33 PM

CL's come and go but a long, positive payment history will always be there on your reports. I would be focused on making on-time payments and keeping your balances low rather than higher CL's.

Not all creditors see a borrower with high limits in a good way. They look at high CL's as an opportunity for someone to max them out and bury themselves in debt if they were to lose their job or struggle financially.

**WeHateUglyCredit.com** · July 16th, 2012, 10:04 AM

Originally Posted by krave

Thanks for verifying Joeyman!

Just FYI, anyone looking at obtaining or gaining an increase for JC Penney. They only subscribe to Trans Union for evaluating their credit lines and do not look at your Experian or Equifax reports when making a credit decision.