Gap Department Store Card or Gap Visa....I need help...Again.

[YoungB718]

Before I attempt to re-enter the Garden for the 3rd time, I'd like some advice as to which card is better in terms of limits and room for growth.  Also, will the fact that I was just approved for a Lowes Card ($8.6k) have any bearing at all as it relates to my possible approval with Gap...since they're both under the same bank?

[SunriseEarth]

AFAIK, you apply for the Gap Visa but are considered for the Gap PLCC if you don't qualify for the Visa version.  Both are issued by Synchrony and are capable of very good CLIs.  Since your TU scores are >700, your odds of approval for the Visa version are good.  

[AverageJoesCredit]

Well its probably always better to have the Visa version than the store card in that you can use it everywhere Visa is accepted. Being Synchrony, i would say one can have a high cl on either card . If you were approved for a Lowes with a sl of 8.6 k im assuming you have a really good score because that could easliy translate to 25 or 35,000 limit with how Sync gives increases via Credit Solutions. Im not sure having one will help you get the other as its possible uw is different for each card you apply. Hope this at least gives you something to help when considering the two

[YoungB718]

Wow.  So I called Recon number after being approved for a measly $400 and was told that my account doesn't qualify for a CLI and that I would recieve something in the mail, explaining the decision.  Guess I'll just have to utilize the card and PIF or the next 90 days then try my hand again.  Question, does Synchrony HP for CLI's after 90 days?

[SunriseEarth]

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@YoungB718 wrote:

Wow.  So I called Recon number after being approved for a measly $400 and was told that my account doesn't qualify for a CLI and that I would recieve something in the mail, explaining the decision.  Guess I'll just have to utilize the card and PIF or the next 90 days then try my hand again.  Question, does Synchrony HP for CLI's after 90 days?

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CLIs will always be SP for your Gap Card.   I'm a bit suprised that they only approved you for $400, unless that is just a temporary CL.   You may want to try calling into Credit Solutions once you get the card.  

[YoungB718]

Yeah, that sucks.  I was surprised too.   You give me $8,600 on the Lowe's card and only give me $400 on the GAP.  I'll definitely be calling to RECON after I recieve the card although I'm sure the limit will grow naturally since I already spend nearly $400 per month there.  I'll keep you updated and thanks for all the info.

[YoungB718]

You're abosolutely right!  After carefully reading the approval message, it did state that "Your temporary credit limit is: $ 400.00".  Does this meant that it will change once I get it or will I still have to call in for a RECON?

[AverageJoesCredit]

Id just wait to receive your card. Then you can work your magic. If you spend that much monthly there i hope they will give you the Visa if they already havent.

[austinguy907]

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@YoungB718 wrote:

You're abosolutely right!  After carefully reading the approval message, it did state that "Your temporary credit limit is: $ 400.00".  Does this meant that it will change once I get it or will I still have to call in for a RECON?

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YB - I don't get the whole GAP card looking at your signature line.  Minus the AU / store accounts you have some hefty and quality cards in place.

PF - 15K

PF - 5.5K

PF LOC - 5K

Amex - 2K

Barclay - 1.5K

Chase - 1.5K

Cap1 - $200

Discover - $400

Navy - 5K

NavCheck - 15K

The string of store cards though served a purpose at some point but, it's time to grow your garden and let things mature.  You're on your way already with some growers and seedlings with the couple of secured lines that will grow exceptionally once they release the deposits.

[AverageJoesCredit]

Agree with above, you got diversity covered. BUT, the way i see it , if it is card you really want and know you will use, no reason not to have it. Yes i know you can use your other cards there but perhaps you get better deals or what not. Again comes down to your personal preference so just go with makes you happy