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Syncrony Bank CLI limits

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12njoy
Super Contributor

Syncrony Bank CLI limits

I have several cards from Syncrony Bank, formerly GE.  I recently requested a CLI in my Walmart Discover, Paypal, and TJX.  I got a $1,500 increase on all.  Today I received a letter regarding my Paypal increase stating that they couldn't give me the requested increase from $2,000 to $6,000 due to their policy which states something to the effect they can't exceed $1,500.  While it was GE, I got larger increases.  Just wondering if there is some policy shift with new bank.

(Formerly known as: Credit is my hobby/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 1 of 10
9 REPLIES 9
chalupaman
Super Contributor

Re: Syncrony Bank CLI limits

i personally haven't felt a single difference. My Paypal CL is $3500 and i've gotten two CLIs on it during the time I've had that one. 

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 2 of 10
TRC_WA
Senior Contributor

Re: Syncrony Bank CLI limits

My only opinion of Synchrony is that Synchrony sucks.  

 

They are great for rebuilding but don't expect them to grow with you.  I closed 3 accounts recently and am happy to say I have 1 Synchrony card in my wallet... the only one with a decent CL... Care Credit.

 

 

FICO8 current as of : ----- EQ: --- TU: --- EX: ---
Hard INQs last 12 months: EQ: 5 | TU: 7 | EX: 9
Verizon Visa $6500 Amex Delta Platinum $10,000 Care Credit $12,000
NFCU CashRewards $6000 Apple Card $2000 Best Buy $3500 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $44k new - balance $31k/6.94%
Total CL: $45,000 --- Total CC UTI: --% --- AAoA: 5.5 years --- Income: $200k
Last app: 11-30-23
Message 3 of 10
12njoy
Super Contributor

Re: Syncrony Bank CLI limits

I just got another $1500 on my TJX Mastercard so that brings a total CLI up to $3,000 in a week (8k limit).  Had to call.

(Formerly known as: Credit is my hobby/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 4 of 10
Anonymous
Not applicable

Re: Syncrony Bank CLI limits


@12njoy wrote:

I have several cards from Syncrony Bank, formerly GE.  I recently requested a CLI in my Walmart Discover, Paypal, and TJX.  I got a $1,500 increase on all.  Today I received a letter regarding my Paypal increase stating that they couldn't give me the requested increase from $2,000 to $6,000 due to their policy which states something to the effect they can't exceed $1,500.  While it was GE, I got larger increases.  Just wondering if there is some policy shift with new bank.


It was just a name change on the bank. The rep that comes in that services our store CC was the same rep that was doing the card for GE. Confirmed with him a couple months back only a name change on the bank.

Message 5 of 10
elim
Senior Contributor

Re: Syncrony Bank CLI limits

i got a $3500 increase on a synch card this week via luv button.

 

 

Message 6 of 10
CreditUnionFan
Valued Contributor

Re: Syncrony Bank CLI limits

It may be possible this is an anomoly due to the way that Ebay and Paypal MC's are serviced on a PayPal website.

 

I couldn't get a CLI on mine, and had to call in to get it. I called in and they doubled my Ebay MC from $3k to $6k in one call.

I was going to garden... Honest!
Message 7 of 10
coldnmn
Mega Contributor

Re: Syncrony Bank CLI limits

My PayPal smart conect has been stingy with CLIs before the name change. I gave up asking I wont close it because it's handy on Ebay but seldom buy much.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 8 of 10
Strogen
Frequent Contributor

Re: Syncrony Bank CLI limits


@TRC_WA wrote:

My only opinion of Synchrony is that Synchrony sucks.  

 

They are great for rebuilding but don't expect them to grow with you.  I closed 3 accounts recently and am happy to say I have 1 Synchrony card in my wallet... the only one with a decent CL... Care Credit.

 

 


Actually, do expect them to grow with you. 

 

Every SyncB product I have has seen a 300% increase at least. Paypal CC $2500 to $7500 , Walmart card $1300 to $3900 and amazon card $1700 to $6000.

 

You've just got to have a clean credit report and decent income (50K+)

 

To be fair I do put alot of spend through all of them, at least 1K + on each a month. As a single male I have plenty of disposable income. LOL

807 TU FICO Score 8.
Message 9 of 10
12njoy
Super Contributor

Re: Syncrony Bank CLI limits

That's great on your PayPal cc
(Formerly known as: Credit is my hobby/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 10 of 10
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