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Amazon (Synchrony) Maximum Credit Line?

Community Leader
Valued Contributor

Amazon (Synchrony) Maximum Credit Line?

Thanks to the wealth of knowledge here, I found out about the overseas Credit Solutions phone method of getting Synchrony CLIs.  My Amazon Prime Store Card has been open about 5 years, and had an auto-CLI here and there, then 2 SP CLIs (and a few denials for trying again too soon) earlier this year when I first discovered this forum.  I called Credit Solutions and asked for $12,000 this fall, and after hearing the income script and verifying my annual income, I was put on a brief hold then approved for the full amount.

 

Last month, when I logged in to pay my bill, I thought I'd try the CLI button again and got the message that usually results in the "not enough experience with current limit" letter.  Instead, I received a letter that is very close in language to those of us who have hit the Kohl's ceiling of $3000:

 

Synchrony Bank has recently reviewed your request to increase the credit line on your Amazon.com Store Card Account.  We are not able to assign the credit line you requested because it exceeds the amount of increase our policy allows.  Your credit line as of the date of this letter is $12000.

 

I tried to search the forums, and didn't find this question being asked... What is the maximum CL for this card?  Is $12k the max (or higher than the max) just for website SP requests, or also for increasing through Credit Solutions?  Am I reading this wrong, and they just have a policy that they can only grant a certain limit of increases during a time period, but this may work for me again in the near future?  I did not request a specific amount, just did the usual type in annual income and hit the yellow button.  My Lowe's is $17k, and I know others here have Lowe's cards at $25k+ so I was just curious as to whether I really did hit the ceiling on this card.


$500k+ club. | FICO 08 [Nov 2017]: EQ 743 EX 741 TU 743 | World's worst gardener.
Message 1 of 11
10 REPLIES
Moderator

Re: Amazon (Synchrony) Maximum Credit Line?

I don't think there is necessarily a hard maximum limit for this card.  I've seen some over $35k.  Like anything it's all relative to income, overall exposure, etc...  Mine is at $18k and I get the same verbiage as you about it exceeding the maximum increase amount.

Message 2 of 11
Community Leader
Valued Contributor

Re: Amazon (Synchrony) Maximum Credit Line?

Thank you for the response! I thought I had seen some significantly higher than mine around here.  May I ask if yours hit those numbers through CS phone call(s), and if so have you received any through the website since having a high limit?


$500k+ club. | FICO 08 [Nov 2017]: EQ 743 EX 741 TU 743 | World's worst gardener.
Message 3 of 11
Established Contributor

Re: Amazon (Synchrony) Maximum Credit Line?

Thats the same verbage I get on my Sams club card. I really don't need anymore then 20k but always striving for more.

I may be pushing my luck on an amazon store card soon.

 

Thank you for the info.

~All Thanks to the education I received from MyFicoers~ | 100K CLUB 10/31/16 |

Fico Scores: | Amex EX 763 | Discover TU 763/EX 763 | Capital One 763 | Barclay TU 771 | Huntington EQ 749 | Citi EQ 758 | Sam's TU 763 | Amazon TU 763 | Chase TU 763(Update 5/28/17 Mowing the Lawn 1/6/17) | Goal 799
Message 4 of 11
Established Contributor

Re: Amazon (Synchrony) Maximum Credit Line?


B335is wrote:

I don't think there is necessarily a hard maximum limit for this card.  I've seen some over $35k.  Like anything it's all relative to income, overall exposure, etc...  Mine is at $18k and I get the same verbiage as you about it exceeding the maximum increase amount.


I was getting the same letter for my Marvel MC which was at 25k (when requesting CLI online). Earlier this week I decided to call credit solutions - they essentially asked me what I wanted and I said 50k. They did the text message verification and then asked me to fax in a recent pay stub. I did that Tuesday and logged in today to see my new limit of 50k (wasn't expecting that). This is in addition to my 10k Amazon and 35k Sams Club MC with them. I am assuming they have a max ceiling across all accounts but not sure what that is. 

FICO: EX: 763 (12/16); TU: 786 (12/16); EQ 731 (12/16)
Amex Blue Cash Preferred | Amex SimplyCash Plus | Chase Amazon Prime VS | Chase Freedom VS | Discover IT | Penfed Power Cash Rewards VS | Sams Club MC | USAA Limitless Rewards PV
Message 5 of 11
Super Contributor

Re: Amazon (Synchrony) Maximum Credit Line?

Wow, 50k Marvel, you may now become the ubiquitous " there was one poster who got 50k" lol. I think Syncs max limit is around 100k . Thats an amazing amount of credit to have but a huge responsiblity as well. May the gods of Asgaard look forever down upon thee with good grace UFGuy2006Smiley Happy
Message 6 of 11
Established Contributor

Re: Amazon (Synchrony) Maximum Credit Line?

That's amazing., how much income did you have to prove for a 50k Marvel card?

 

Are you worried about poking the bear?

 

Congratz on that milestone.

 

~All Thanks to the education I received from MyFicoers~ | 100K CLUB 10/31/16 |

Fico Scores: | Amex EX 763 | Discover TU 763/EX 763 | Capital One 763 | Barclay TU 771 | Huntington EQ 749 | Citi EQ 758 | Sam's TU 763 | Amazon TU 763 | Chase TU 763(Update 5/28/17 Mowing the Lawn 1/6/17) | Goal 799
Message 7 of 11
Established Contributor

Re: Amazon (Synchrony) Maximum Credit Line?

Income in the mid $200s. I used to be worried about that but over the years I've acquired cards from a number of issuers so I've adopted the mantra "Take me or leave me." :-) 

FICO: EX: 763 (12/16); TU: 786 (12/16); EQ 731 (12/16)
Amex Blue Cash Preferred | Amex SimplyCash Plus | Chase Amazon Prime VS | Chase Freedom VS | Discover IT | Penfed Power Cash Rewards VS | Sams Club MC | USAA Limitless Rewards PV
Message 8 of 11
Moderator

Re: Amazon (Synchrony) Maximum Credit Line?


UFGuy2006 wrote:

Income in the mid $200s. I used to be worried about that but over the years I've acquired cards from a number of issuers so I've adopted the mantra "Take me or leave me." :-) 


Nice limit.  Max limit they'll extend across all cards is $100K so you're close

Message 9 of 11
Community Leader
Senior Contributor

Re: Amazon (Synchrony) Maximum Credit Line?


UFGuy2006 wrote:

B335is wrote:

I don't think there is necessarily a hard maximum limit for this card.  I've seen some over $35k.  Like anything it's all relative to income, overall exposure, etc...  Mine is at $18k and I get the same verbiage as you about it exceeding the maximum increase amount.


I was getting the same letter for my Marvel MC which was at 25k (when requesting CLI online). Earlier this week I decided to call credit solutions - they essentially asked me what I wanted and I said 50k. They did the text message verification and then asked me to fax in a recent pay stub. I did that Tuesday and logged in today to see my new limit of 50k (wasn't expecting that). This is in addition to my 10k Amazon and 35k Sams Club MC with them. I am assuming they have a max ceiling across all accounts but not sure what that is. 


Congrats on the $50K CL UFGuy!!

Gardening since xx/xx/xx Gardenversary xx/xx/xx Score: 08/21/17 EQ 781 TU 784 EXP 789
Current Score: 781
Goal Score: 800
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Message 10 of 11