I know that they probably do love balances as there is interest to be earned but i look at it 2 fold, one i want to try my hardest not to carry too much balance for by any bad luck or unforseen event i lose my job i dont want to be stuck too far out on the ledge, and 2 with Synchrony, im being proactive to try to keep bslances at zero or pif soonest . I wanna be able to close my cards super quick if i have to before they decide they will for not getting a yes to any blue envelope! 
No Siree
. Knowledge is key and myFico is the treasure chest of which i pillage
No Siree. Knowledge is key and myFico is the treasure chest of which i pillage
I just read all 87 pages of this wonderful thread. Took about 6 or 7 days, sneaking in a quick read whenever possible. Truly a very informative thread. Maybe I'll tackle the "High Achievers" thread next??
My take away, I may apply for a Lowe's account at the one year anniversary of my Care Credit account.
I have 1 Synch account, care credit, @ $8k limit. I'll NEVER provide a 4506-T, or whatever it's called. I'd rather close Care Credit, And not get a Lowe's card than to give my info away to Lexis Nexus.
Lol, you are definitely the man GWM. I love when this thread rears its head as it brings back some good memories lol. Seriously though, it is a great read especially for those with Synchrony accounts. Im shocked i havent been hit yet but to say the least thankfully i got my apps out of the way before this blue cookie monster showed up and i do use my accounts responsibly. My downfall would probably be for too many cli request but now its almost a dare looking for an excuse to cut back my cards. It easier said than done closing an 8-10k especially when you know what you went through to reach that limit
. I love when this thread rears its head as it brings back some good memories lol. Seriously though, it is a great read especially for those with Synchrony accounts. Im shocked i havent been hit yet but to say the least thankfully i got my apps out of the way before this blue cookie monster showed up and i do use my accounts responsibly. My downfall would probably be for too many cli request but now its almost a dare looking for an excuse to cut back my cards. It easier said than done closing an 8-10k especially when you know what you went through to reach that limit
@AverageJoesCredit wrote:
Lol, you are definitely the man GWM
I keep watch on my Synchrony accounts, too, AJC! Hopefully, I am below their radar. I am concerned when I read in the approvals threads that someone has applied for multiple Synchrony accounts at the same time.
At the risk of repeating myself - something I'm prone to 
- I have only one Synchrony account right now (Amazon Prime) and I'm keeping it that way for at least the next few months while I ply spade and hoe. I'm not even touching the CLI button after my disappointing experience last month. In the fall, I might consider applying for a Walmart store card, and possibly a Care Credit (or that card you use at auto repair shops, what do they call it again? Car Credit or something like that?) but certainly not a whole bunch of cards that I have no realistic prospect of using.
Joe, when you feel your TU is high enough, feel free to go for your cli but id call CS. Its good to use caution but too much can hold you back
ML, im the same way when i read all those quick pickups. But you see ,its almost natural for someone to go for a Walmart then an Amazon etc, its almost liked they're linked. I guess the only real way to learn is after the fact lol. Great day
ML, im the same way when i read all those quick pickups. But you see ,its almost natural for someone to go for a Walmart then an Amazon etc, its almost liked they're linked. I guess the only real way to learn is after the fact lol. Great day
@AverageJoesCredit wrote:
Joe, when you feel your TU is high enough, feel free to go for your cli but id call CS. Its good to use caution but too much can hold you back
ML, im the same way when i read all those quick pickups. But you see ,its almost natural for someone to go for a Walmart then an Amazon etc, its almost liked they're linked. I guess the only real way to learn is after the fact lol. Great day
Well, the thing is that I DID call CS on my March attempt after I got the 7-10 day message when I tried the "luv" button. As I posted elsewhere, when I got the denial letter I wondered why they had approved me for an account in the first place because all the reasons they listed for not giving me a CLI were reasons that were on my report (except for opening other accounts) when I signed up back in November.
Anyway, I'll give it another shot in the fall with CS if/when my TU looks high enough.