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Synchrony's well drying up?

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bigDEElight
Frequent Contributor

Re: Synchrony's well drying up?

Add me to the "won't budge" club. Constantly getting the letter with the same excuse: not enough experience at current limit. Going on 5 months at those limits.
EQ: 706 TU: 716 EX: 708
Total: $91,700 | 2016 Goal: $95K | Utilization: 8%
Message 21 of 45
pazuzu
Frequent Contributor

Re: Synchrony's well drying up?


@bigDEElight wrote:
Add me to the "won't budge" club. Constantly getting the letter with the same excuse: not enough experience at current limit. Going on 5 months at those limits.

 

That's their favorite excuse for denying CLIs!!!

 

Got tired of hearlng that line, so I closed most of the accts I had with them.


No apps/new accts since 2011

***FICO EXPERIAN 830***
***FICO EQUIFAX 828***
***FICO TRANSUNION 822***




Message 22 of 45
Billybob_TX
Frequent Contributor

Re: Synchrony's well drying up?

Chat is the key.

 

You MUST say that the online CLI button gave you an error message. Say it two or three times because they hit a canned response reply when the CLI subject comes up.

 

When they say "I can process that for you" you are in.

 

Ask for the moon, 15K or 25K, they will counter.

Message 23 of 45
Anonymous
Not applicable

Re: Synchrony's well drying up?


@Billybob_TX wrote:

Chat is the key.

 

You MUST say that the online CLI button gave you an error message. Say it two or three times because they hit a canned response reply when the CLI subject comes up.

 

When they say "I can process that for you" you are in.

 

Ask for the moon, 15K or 25K, they will counter.


+1

Message 24 of 45
TheGardner
Valued Contributor

Re: Synchrony's well drying up?

Just got a CLI on my lowes account to $25,000 from 10k 

 

i think it depends on the card, walmart card is very stingy for me.

If anyone needs me I will be In The Garden. Goal Score: 760 for all in 2015.
Current FICO Scores EX: 715 EQ: 756 TU: 762
Last APP April 21, 2015.
Victim of The great AMEX HP heist of Dec 1st, 2nd and 3rd of 2014.
Message 25 of 45
pazuzu
Frequent Contributor

Re: Synchrony's well drying up?


@TheGardner wrote:

Just got a CLI on my lowes account to $25,000 from 10k 

 

i think it depends on the card, walmart card is very stingy for me.


Lowe's customers tend to be homeowners with better credit records than the typical Walmart shopper:

 


No apps/new accts since 2011

***FICO EXPERIAN 830***
***FICO EQUIFAX 828***
***FICO TRANSUNION 822***




Message 26 of 45
Anonymous
Not applicable

Re: Synchrony's well drying up?

Nixon came and said this-

 

" Recently got a CLI on my Dicks card."

 

Man LOL

 

 

Message 27 of 45
chalupaman
Super Contributor

Re: Synchrony's well drying up?

Nope. Not for me. $2K CLIs on both my Paypal and Amazon accounts not too long ago and a starting limit of $5k on my Ebates card which matches my highest limit. I do admit that my Wal-Mart card which is now closed grew the least out of all the Sync Bank cards I had. I also think it depends on which cards you have with them.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 28 of 45
Anonymous
Not applicable

Re: Synchrony's well drying up?


@Billybob_TX wrote:

Chat is the key.

 

You MUST say that the online CLI button gave you an error message. Say it two or three times because they hit a canned response reply when the CLI subject comes up.

 

When they say "I can process that for you" you are in.

 

Ask for the moon, 15K or 25K, they will counter.


Exactly.  Mine said to ue the CLI button.  I was isn't that 'something you can help me out with' and right away she did and poof way up

Message 29 of 45
elim
Senior Contributor

Re: Synchrony's well drying up?

my Lowes and WalMart cards are around 8 statements so i'm tryin' real soon

 

Message 30 of 45
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