@Anonymous wrote:
Thanks so much. For other people when you call Synchrony's other cards or other places and you ask the person "Are you a credit analyst" and they say no what do you say?
I am fairly certain the number @baller4life provided is for a credit analyst. This man knew his stuff. You can tell by their voice most of the time. He was cool and knew how to interact. Most credit analysists tend to be more laid back than level 1 CS reps. Probably from not having people calling them up and ripping them all day long. :-)
Just my advice: For any other members here calling up, if you think they aren't one, just stay calm, tell them you wish to have your account looked over if there is a possibility to increase credit line. ALWAYS say you are looking to make a high ticket purchase and you don't want to max out your utilization hurting your account with them and your credit score overall, as you want to make the purchase with their card. 99% of the time they will ask you what YOU are looking for as a credit line & what you are looking to buy. - so don't be crazy on your request.
Finally, don't lie. If they ask about past bad credit, a bkp, judgement etc, be honest, they can SEE all of your past. Tell them you are on the road to recovery and thank them for the opportunity.
Don't give them 199% of your credit education and verbiage. Just the basics, enough so they know you did your homework. Be nice. Even if they reject you or counter a smaller increase, be nice. Most of them will tell you if asked, WHY you were not successful and can become your friend making sure you can reach your goal or telling you when you can call back again.
Synchrony is not bad, depending WHICH retailer you call! Some are awesome. Some are so bad you would rather stick needle in your eye and think it is a more pleasurable situation!
All of you are awesomesauce on here, (that is a cool commercial for that card) LOL.
