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@Sixburgh79wrote:
Hello everyone new here, I've read many posts on the site here and figured it's time to join up and ask some questions and hopefully learn some other new things.
So like a year and half ago I'd say, can't remember the timeline I got my amazon store card and it started at like 2k, and I was getting automatic increases which were nice and it bumped to 6k pretty quickly.. I at one point made a purchase and had 4k of that used up. Well I was planning my attack to lay some huge payments on it, but they one day lowered my credit line within like 100 bucks of where It was used. I called and they said it was due to the utilization.
I then made not long after a 4,000 payment on it. And it hung there for awhile, I put eventually another grand on it, and then paid it down to like 200 bucks. And it has been that way for a bit now.
Anyways I've been repairing my credit over the years, last year got a new discover, citibank, chase and amex card... And yet synchrony just won't budge anymore.
I would eventually either like an Amazon visa or I'll just use my other good cards like my discover or amex for Amazon shopping... But still the principle of simply having a higher credit line is nice to build on.
Is Synchrony just difficult like this? I've made some huge strides in getting my credit back in good shape and they just beat my credit line down even after huge payments and nothing. Would love if someone has some similar experience perhaps.
@Sixburgh79 - By the way love your name. What does it mean? JK LOL!
Where have you been requesting CLI's?
If you using the button or chat and you haven't tried calling Credit Solutions maybe you should.
When I would call my results were always much better. The number is 877-379-8173.
Good Luck.
@Sixburgh79wrote:
Haha, good to see a fellow Pittsburgher around here!
I'll be sure to give them a call man, I appreciate that because yea i went thru the online button and then contacted synchrony via the chat tab there.
Do you think they have a little more pull?
I think the thing that really bugs me is simply how it was dropped. If I was still sitting at 6k CL I wouldn't be as worried if it increased as much.
The button has never done too much for me and chat has always been hit or miss.
Credit Solutions has usually come through when the other methods haven't.
Good luck and keep us posted.
So your total UTI was ~80% when they CLD you? That’s not really a surprise. What is it now? Definitely call credit solutions for CLI’s though. Forget the button is even there.
I opened my card in March 2015 (right after they started offering 5% cash back) with a $1700 SL. Got automatically increased to $2400 around 3 months later, and I was increased to $3000 that October (I can't remember if I requested it or if it was an auto-bump). In May 2016, I requested an increase and they gave me $5000. I've requested CLIs on that card periodically, but I've had no movement since (up or down).
I always pay that card in full, I don't think I've ever had a statement more than $300, and it's just a store card- so $5000 is honestly more than I need. It's just interesting that I saw a lot of growth early on, and then nothing.