Is Synchrony Bank stingy with their CLI for anyone else?

[collics1]

They don't have an problem approving me, I have Walmart, Amazon Store, and Lowes, but they refuse to budge on the limits.

I've had the Walmart card since Nov and still stuck at $300.

I just got the Lowe's card a couple months ago, but $300 is nothing at a home improvement store really.

At this point, both cards have a $0 balance.

I'll be one year post bk7 discharge in May.

Any tips that may help? Should my overall utilization be super low? Does my credit score need to be a certain number?

[Anonymous]

My 4th statement with Walmart just cut today. Hit the love button and recieved my very 1st CLI with them. From 500 to 650. Was hoping for more but utilization is pretty high. Amazon was auto love round the 4th or 5th statement. Went from 600 to 900 and utilization is high on this one as well. Got both cards in Nov of last year. 

[collics1]

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@Anonymous wrote:

My 4th statement with Walmart just cut today. Hit the love button and recieved my very 1st CLI with them. From 500 to 650. Was hoping for more but utilization is pretty high. Amazon was auto love round the 4th or 5th statement. Went from 600 to 900 and utilization is high on this one as well. Got both cards in Nov of last year. 

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Thanks for that info.

The last stmt I have says Feb 20 2015. That's the last time I used it so they haven't cut me any more stmts.

I would be on my 4th stmt either now or within the next few days. but I haven't had any activity.

When i do hit the increase button it says can't process, which is always says. then I get the letter in the mail.

Maybe I should use it more?

[TRC_WA]

Synchrony either loves you or hates you....

In my case, they hate me. 

I read all over these forums about 4 month CLI's and blah blah blah... 

I had a $600 Walmart card and $600 Chevon/76 gas cards over a year... used every month for over a year and every request I made for a CLI was denied.  I did get a $100 Walmart auto CLI at 6 months and then a $200 auto CLI 3 months after that.... a whopping $300 total.

I ended up closing all 3 accounts in December 2014.

The only Synchrony cards I have now are my $7500 Care Credit (HP CLI requests so I don't bother) and a Sam's Mastercard I just opened last month... $2500 CL.

I don't expect to ever get a CLI from them... at least not till the end of the year when my BK13 stuff falls off... because they continue to cite that as reasons for my denials despite the fact it's over 6 years old now.

Did I mention I have $5-$10k major bank cards?  Still can't get a Synchrony CLI. 

[Scupra]

I have been lucky! Amazon store card approved at $1,100 and is now at $6,000 in about 6 months time frame. Hang in there, you will get some luv. I think Sync likes to see some spend as well as a statement balance. Call backdoor for best results

[StartingOver10]

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@Scupra wrote:

I have been lucky! Amazon store card approved at $1,100 and is now at $6,000 in about 6 months time frame. Hang in there, you will get some luv. I think Sync likes to see some spend as well as a statement balance. Call backdoor for best results

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This^^^^.  I only get increases when I use the cards. Never when they are zero balance.

[TRC_WA]

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@StartingOver10 wrote:

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@Scupra wrote:

I have been lucky! Amazon store card approved at $1,100 and is now at $6,000 in about 6 months time frame. Hang in there, you will get some luv. I think Sync likes to see some spend as well as a statement balance. Call backdoor for best results

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This^^^^.  I only get increases when I use the cards. Never when they are zero balance.

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That probably has a lot to do with it... I was putting $50-$100 a month on the cards and never got the CLIs I requested... only the joke auto CLIs on the Walmart card.

I'm not a Walmart shopper because I can think of better places to go if I want to stand around for 30 minutes (waiting to check out)...

Sam's on the other hand has been a pleasant surprise.  There are registers open and places to park.  What a difference a small membership fee makes...

[Anonymous]

DH got his walmart card in November.  His starting limit was $1k.  They gave him a $200 auto cli in February.  I hit the luv button for him every month with no luck.  Today I decided to try chat.  The rep tried to steer me back to the request increase button but I told him we don't have luck with that and would like some help.  They asked income, and asked to wait while he reviewed the file.  They came back and said he is approved for a $3,500 CL, is that ok?  Umm yeah I will take it lol

Try the chat feature for an increase.

[DaveInAZ]

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@collics1 wrote:

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@Anonymous wrote:

My 4th statement with Walmart just cut today. Hit the love button and recieved my very 1st CLI with them. From 500 to 650. Was hoping for more but utilization is pretty high. Amazon was auto love round the 4th or 5th statement. Went from 600 to 900 and utilization is high on this one as well. Got both cards in Nov of last year. 

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Thanks for that info.

The last stmt I have says Feb 20 2015. That's the last time I used it so they haven't cut me any more stmts.

I would be on my 4th stmt either now or within the next few days. but I haven't had any activity.

When i do hit the increase button it says can't process, which is always says. then I get the letter in the mail.

Maybe I should use it more?

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- That ^^^^^ If you have a $0 balance in their eyes there's no justifcation for a CLI. My Walmart card had a SL of $1200, I charged around $3-400 and got an auto CLI to $1600, then charged as much as $800 and got an auto CLI to $2400. And once you get those auto CLIs you're golden with Synch - even though I've been PIF to get a $0 balance lately I used chat and got a CLI to $5k. And I got approved for Lowes in Jan but only with a SL of $700. I called their credit analyst and explained I have my house on the market and plan to spend a couple grand sprucing it up and got the CL raised to $5k. Try chat, they seem to be more accomodating - when logged into the account during biz hours you'll see the Chat Now icon.

[TRC_WA]

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@DaveInAZ wrote:

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@collics1 wrote:

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@Anonymous wrote:

My 4th statement with Walmart just cut today. Hit the love button and recieved my very 1st CLI with them. From 500 to 650. Was hoping for more but utilization is pretty high. Amazon was auto love round the 4th or 5th statement. Went from 600 to 900 and utilization is high on this one as well. Got both cards in Nov of last year. 

---

Thanks for that info.

The last stmt I have says Feb 20 2015. That's the last time I used it so they haven't cut me any more stmts.

I would be on my 4th stmt either now or within the next few days. but I haven't had any activity.

When i do hit the increase button it says can't process, which is always says. then I get the letter in the mail.

Maybe I should use it more?

---

- That ^^^^^ If you have a $0 balance in their eyes there's no justifcation for a CLI. My Walmart card had a SL of $1200, I charged around $3-400 and got an auto CLI to $1600, then charged as much as $800 and got an auto CLI to $2400. And once you get those auto CLIs you're golden with Synch - even though I've been PIF to get a $0 balance lately I used chat and got a CLI to $5k. And I got approved for Lowes in Jan but only with a SL of $700. I called their credit analyst and explained I have my house on the market and plan to spend a couple grand sprucing it up and got the CL raised to $5k. Try chat, they seem to be more accomodating - when logged into the account during biz hours you'll see the Chat Now icon.

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Yeah I'm hoping to see some love with the Sam's MC.  It's a Synchrony card that I actually use...  the 5% gas rebate is nice.

My former Synchrony cards (76, Chevon, Walmart) weren't used much and I didn't see CLIs.  For whatever reason Sam's Club is 10000000000% better than Walmart... everything from the checkout lines to the parking... so I don't mind shopping there.

Walmart?  Never again.