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I called Synchrony and asked them to reduce my Chevron/Texaco store card CL to 1k from 4k. Then I requested a CLI on the Chevron/Texaco Visa from 4k to 10k to see if it would pickup the released amount from the other card. My TU score has increased by 5 pts since I app'd the Chevron/Texaco Visa and got the CLI to 4k through CS.
End results:
Store Card: 1k CL
VIsa: 4k CL
So, this teaches us we don't always get what we want.
I used this card for the specific reason that I don't use their gas card anymore so the CL is wasted on that card but I don't want to close it yet since it is fairly new. I will leave it at 1k since my UTIL is very low and just try for a CLI on the Visa at a later date. No idea who they SP'd for the CLI request.
I hope this helps answer some questions that I have seen in other threads.
Thanks for sharing....
So today I figured the decreases have settled on their end and decided to call for my CLI's.
CL Decreases initiated by me to CS:
Old Navy Store Card $5k > $1k
Chevron Texaco Store Card $4k > $1k
BP Store Card $3.5k > $1k
Total decrease - $9500
CLI's
Walmart MC $6k < $7k
Stash Visa $8k < $12k
Marvel MC $6k < $7k
Chevron / Texaco Visa $4k < $5k
Total Increase - $7000
I did this with store cards I was never going to use for one reason or another. Less TCL but much more useable credit for me and a new highest limit prime card for me (Stash). I am happy with the results. I can't say for sure if dropping the CL on the store cards helped but I have been declined for CLI's on all of these cards (Stores and Majors) in the last 10 days and the primes were just CLI'd 10 days ago when I got approved for them, with no money left on the table. YMMV of course. Good luck to anyone who tries.
I was curious if this would have any bearing on my other store cards that had been denied CLI's so I called back on the two store cards I intend to keep long term, Walmart and Lowes.
Lowes:
Starting CL was $12k. I asked for $25k and they countered with $17k.
Walmart:
Starting CL was $6k. I asked for $12k and they declined any increase.
So, I recovered the lost TCL and have a new highest limit card, Lowes. It's been a good credit day. No apps and no HP's.
Nice work jockeying those lines around.