Exceed the exposure limit letter with SYNCB!!!

[Ron1]

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@injustifiiable wrote:

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@ddemari wrote:

im slowly closing out some cards, I chopped; Old navy store card, banana republic store card that got me 16k back open.

i have banana and ON Visa's, so rather just keep those. 

Im going to lower the CL on Sams, Gap and Lowes too

I want to keep my focus on BR Visa, ON Visa, WalMart MC, Ebates Visa, Ebay MC, and Gap

Probably get ride of BP or Chevron down the road too. 

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I'm hoping for upgrades on my 3 Gap Inc cards but I might bite the bullet and re-apply now that my TU FICO is higher and could possibly get Visa versions..I really only want BR Visa and Gap Visa...

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I think you have better chance to get Visa if you apply at the register.

Ron.

[injustifiiable]

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@Ron1 wrote:

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@injustifiiable wrote:

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@ddemari wrote:

im slowly closing out some cards, I chopped; Old navy store card, banana republic store card that got me 16k back open.

i have banana and ON Visa's, so rather just keep those. 

Im going to lower the CL on Sams, Gap and Lowes too

I want to keep my focus on BR Visa, ON Visa, WalMart MC, Ebates Visa, Ebay MC, and Gap

Probably get ride of BP or Chevron down the road too. 

---

I'm hoping for upgrades on my 3 Gap Inc cards but I might bite the bullet and re-apply now that my TU FICO is higher and could possibly get Visa versions..I really only want BR Visa and Gap Visa...

---

I think you have better chance to get Visa if you apply at the register.

Ron.

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I'm tempted to try. I'm waiting on a pending eBates app at the moment...they haven't even pulled me yet - I might have a shot this time. The last two times they denied me they pulled right away...who knows lol. SYNCB is weird.

[Anonymous]

This is intresting never did I imagine that synchrony can stop credit line increase for having too much available credit. I make what 36K a year and my available credit is $40K I guess sometimes you must close some accounts to raise the one you really want. I have care credit at $5500 Wal-Mart store card at $6000 and PayPal Extras Master Card at $5000. I doubt they will even increase mine anymore.

[Ron1]

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@injustifiiable wrote:

---

@Ron1 wrote:

---

@injustifiiable wrote:

---

@ddemari wrote:

im slowly closing out some cards, I chopped; Old navy store card, banana republic store card that got me 16k back open.

i have banana and ON Visa's, so rather just keep those. 

Im going to lower the CL on Sams, Gap and Lowes too

I want to keep my focus on BR Visa, ON Visa, WalMart MC, Ebates Visa, Ebay MC, and Gap

Probably get ride of BP or Chevron down the road too. 

---

I'm hoping for upgrades on my 3 Gap Inc cards but I might bite the bullet and re-apply now that my TU FICO is higher and could possibly get Visa versions..I really only want BR Visa and Gap Visa...

---

I think you have better chance to get Visa if you apply at the register.

Ron.

---

I'm tempted to try. I'm waiting on a pending eBates app at the moment...they haven't even pulled me yet - I might have a shot this time. The last two times they denied me they pulled right away...who knows lol. SYNCB is weird.

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Sometimes, you didn't get HP. Your application went under manual review. I had a couple of application got approved after 2 weeks. You might alos got denied due to unable to verify ID. Good luck on your eBates Visa approval. Yes, they are weird. I got no HP when I applied at the register. You usually got no HP on the weekend.

Ron.

[Ron1]

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@Anonymous wrote:
This is intresting never did I imagine that synchrony can stop credit line increase for having too much available credit. I make what 36K a year and my available credit is $40K I guess sometimes you must close some accounts to raise the one you really want. I have care credit at $5500 Wal-Mart store card at $6000 and PayPal Extras Master Card at $5000. I doubt they will even increase mine anymore.

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You might not get too much available credit. You will not get any CLI or any card approved if you exceed $100K exposure limit.

Ron.

[injustifiiable]

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@Ron1 wrote:

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@injustifiiable wrote:

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@Ron1 wrote:

---

@injustifiiable wrote:

---

@ddemari wrote:

im slowly closing out some cards, I chopped; Old navy store card, banana republic store card that got me 16k back open.

i have banana and ON Visa's, so rather just keep those. 

Im going to lower the CL on Sams, Gap and Lowes too

I want to keep my focus on BR Visa, ON Visa, WalMart MC, Ebates Visa, Ebay MC, and Gap

Probably get ride of BP or Chevron down the road too. 

---

I'm hoping for upgrades on my 3 Gap Inc cards but I might bite the bullet and re-apply now that my TU FICO is higher and could possibly get Visa versions..I really only want BR Visa and Gap Visa...

---

I think you have better chance to get Visa if you apply at the register.

Ron.

---

I'm tempted to try. I'm waiting on a pending eBates app at the moment...they haven't even pulled me yet - I might have a shot this time. The last two times they denied me they pulled right away...who knows lol. SYNCB is weird.

---

Sometimes, you didn't get HP. Your application went under manual review. I had a couple of application got approved after 2 weeks. You might alos got denied due to unable to verify ID. Good luck on your eBates Visa approval. Yes, they are weird. I got no HP when I applied at the register. You usually got no HP on the weekend.

Ron.

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Yep...SYNCB is definitely weird. I apped for the BP Visa and TU was pulled and I was approved a week later. Maybe it's time to slow down on SYNCB...lol. I need to check my spreadsheet to see what my exposure is with them.

[CreditMagic7]

Thanks for sharing your letter for us Ron.

Over the months from following the great synchrony approvals and CLI's in that forum i on-purpose have been holding back a little so as not to rush to that max exposure so soon.

[Anonymous]

You're such a boss! I can't even!