topic Synchrony CLI for Walmart and Amazon in Credit Card Approvals

Synchrony CLI for Walmart and Amazon

KSK1912 — Tue, 29 Sep 2015 04:56:57 GMT

I am so excited i don't even know where to start from.

Got my amazon and walmart card i guess end of jluy with $800 SCL for Amazon and only $150 SCL for Walmart.

Since then i have been trying to increase my limits on both as i use my amazon card heavily, from household items to business. Walmart did not get much use as the limit is very low.

This morning, i applied for Barclay's credit card and after an instant denial, caqlled recon line and got it approved for $1000 SCL after just a few simple questions with no sweat.

Thought i should give synchrony a shot again for the CLI i have been trying.

First tried Amazon thru chat and asked for $2K and got an instant approval. I could have asked for more but the rep gave me wrong information on counter offers. When i asked him if i dont get approved for what i ask for, if they may come with a counter offer, and he said no. So i asked for $2K and got an instant approval.

An hour later decided to give my walmart a try, thru chat and asked for $1K hoping to get maybe $500, and BOOM, instant approval for the $1K i asked for.

Went out to take care of a few things, but kept wondering if i left any money on the table with walmart, since my amazon went up to $2K.

Then i thought $800 to $2K is only 2.5x CLI vs $150 to $1K is almost 7 x CLI. So i thought i got the best i can for walmart, especially considering it has not even been 2 months i got it, andlet it go.

Came home an hour later and decided to give it another try thinking i am pushing it, especially on the same day.

This time tried walmart first, thru chat again, and asked for $2500 and guess what....? Instant approval for the full amount i asked for.

Then at this point there is no stopping me, jumped right back at amazon chat and asked for $5K and got approved for $3500

So today has been a great day so far,

Walmart CLI from $150 to $1000 to $2500 to $3500 same day, 3 chat requests

Amazon CLI from $800 to $2000 to $3500 same day, 2 chat requests.

What i think made this happen is 2 secured cards with $1000 limit was just increased to $2500 each and this alone caused my equifax fico to jump from right at 600 to 655 over night. My first statement with walmart was about $38, and the second month i only used it for $116 one time and paid it off.

My advise if you are considering a CLI with synchrony, now seems to be a good time, and shoot high and they will come bak with their best offer. So you don't leave any money on the table.

Re: Synchrony CLI for Walmart and Amazon

Anonymous — Thu, 24 Sep 2015 21:31:03 GMT

That's Great , Congrats!

Re: Synchrony CLI for Walmart and Amazon

KSK1912 — Thu, 24 Sep 2015 21:41:45 GMT

@Anonymous wrote:
That's Great , Congrats!

Thanks, i am still thinking if i should go back to walmart again

Re: Synchrony CLI for Walmart and Amazon

Anonymous — Thu, 24 Sep 2015 21:44:17 GMT

ask until they denied you , always a SP

Re: Synchrony CLI for Walmart and Amazon

KSK1912 — Thu, 24 Sep 2015 21:58:55 GMT

This has to be a dream

Another CLI from Walmart thru chat, same day!

Final status :

$150 -> $1000 -> $2500 -> $3500 same day thru chat.

Can't help but Love Synchrony Bank

and as a side note, i just got denied for CLI on my $250 Buckle card with comenity. i can't believe it.

Re: Synchrony CLI for Walmart and Amazon

KSK1912 — Thu, 24 Sep 2015 22:00:39 GMT

Just did, and asked for $5K and got $3.5K with walmart. I feel embarassed asking, but you should see the grin on my face before the chat rep came back with the result, but i already saw it in my account summary

Re: Synchrony CLI for Walmart and Amazon

Anonymous — Thu, 24 Sep 2015 22:03:09 GMT

Wow! congrats again , Synchrony is the best , the only one who believes in me , i will try soon with mayor cards.

Re: Synchrony CLI for Walmart and Amazon

Jerry45 — Thu, 24 Sep 2015 22:18:24 GMT

Awesome! Congrats

Re: Synchrony CLI for Walmart and Amazon

KSK1912 — Thu, 24 Sep 2015 22:19:23 GMT

Definitely go with Barclays. Easier to get! and i consider it a real credit card will take an unsecured $1K SCL with them over a $2500 secured capital one anyday. With your score you can even do better, but i am very happy to have my first unsecured real credit card, that i do not have to go to a specific store to use

Re: Synchrony CLI for Walmart and Amazon

KSK1912 — Thu, 24 Sep 2015 22:26:12 GMT

@Jerry45 wrote:
Awesome! Congrats

Thanks, to everyone,

this forum has helped me a lot. Since April 23rd, to be exact, the day i got my car loan, officially started working on my credit, i have been reading, from around 10 pm to sometimes till around 5/6am, and go to work with no sleep. It is just good to know that all those hours i spent is paying off, that's what makes me happier than anything else. So thanks to everyone who reads this for sharing your experience with others. It really does help a lot.

Re: Synchrony CLI for Walmart and Amazon

Anonymous — Thu, 24 Sep 2015 22:39:06 GMT

Congrats! And good job being persistent. You inspired me to do chat with Synch re: my Amazon account, and I asked for $4K, and they countered with $3500. I'll take it.

Re: Synchrony CLI for Walmart and Amazon

KSK1912 — Thu, 24 Sep 2015 22:53:32 GMT

@Anonymous wrote:
Congrats! And good job being persistent. You inspired me to do chat with Synch re: my Amazon account, and I asked for $4K, and they countered with $3500. I'll take it.

There you go! Congrats!

Would you mind telling how long you had your card, and what was your SCL?

Did you have any other CLI's in the past or is this the first one?

Synchrony seems to be overgenerous these days.

Re: Synchrony CLI for Walmart and Amazon

Anonymous — Thu, 24 Sep 2015 23:01:05 GMT

I got the card back in April with a SL of $600. Heavy, heavy usage on the card, pay more than once a month. Couldn't get the to raise it via chat or luv button. They finally did an auto CLI to $900 in August. Just now via chat it I got another $3500.

My scores are EX: 674; TU 660 and EQ 625

Re: Synchrony CLI for Walmart and Amazon

KSK1912 — Thu, 24 Sep 2015 23:19:27 GMT

@Anonymous wrote:
I got the card back in April with a SL of $600. Heavy, heavy usage on the card, pay more than once a month. Couldn't get the to raise it via chat or luv button. They finally did an auto CLI to $900 in August. Just now via chat it I got another $3500.

My scores are EX: 674; TU 660 and EQ 625

Same, i got mine in july, same day both walmart and amazon, and did everything and used every excuse to get a clli with no luck. I told them it is inconvenient to have to use, wait forever to see the transaction posted, pay for it, and wait forever for the payment to post, just so that you can use it again. This month that's what i did. used and paid and used and paid. Even got some businness stuff and a laptop for a friend of mine and he paid me cash, just so that i get the most use out of it. and finally got a pretty decent CLI from $800 to $3500 on amazon and with the final round of cli, $150 to $3500 on walmart card so i will not complain.

Re: Synchrony CLI for Walmart and Amazon

Anonymous — Thu, 24 Sep 2015 23:34:13 GMT

In my case walmart grow more fast , i start too in april with $900 , i wait for the first statement cut and increase to $3,500 , then in july increase to $5,000. with amazon i start in november 2014 , auto cli to $1,000 in january , then increase to $3,500 in march and to $5,000 in august. in december or january i ask again , in that time maybe i go to apply for freedom or discover.

Re: Synchrony CLI for Walmart and Amazon

Anonymous — Thu, 24 Sep 2015 23:46:41 GMT

@KSK1912 wrote:
@Anonymous wrote:
I got the card back in April with a SL of $600. Heavy, heavy usage on the card, pay more than once a month. Couldn't get the to raise it via chat or luv button. They finally did an auto CLI to $900 in August. Just now via chat it I got another $3500.

My scores are EX: 674; TU 660 and EQ 625
Same, i got mine in july, same day both walmart and amazon, and did everything and used every excuse to get a clli with no luck. I told them it is inconvenient to have to use, wait forever to see the transaction posted, pay for it, and wait forever for the payment to post, just so that you can use it again. This month that's what i did. used and paid and used and paid. Even got some businness stuff and a laptop for a friend of mine and he paid me cash, just so that i get the most use out of it. and finally got a pretty decent CLI from $800 to $3500 on amazon and with the final round of cli, $150 to $3500 on walmart card so i will not complain.

$150 CL is ridiculous. There's basically nothing you can do with that if you don't want to run up your utilization. A pack of gum, maybe. glad you were able to get them to $3500. I got a pre-qual letter from them a few weeks ago for the Walmart card, but I decided against it since Walmart is a lot farther away from me than Target.

Re: Synchrony CLI for Walmart and Amazon

Anonymous — Thu, 24 Sep 2015 23:48:22 GMT

@Anonymous wrote:
In my case walmart grow more fast , i start too in april with $900 , i wait for the first statement cut and increase to $3,500 , then in july increase to $5,000. with amazon i start in november 2014 , auto cli to $1,000 in january , then increase to $3,500 in march and to $5,000 in august. in december or january i ask again , in that time maybe i go to apply for freedom or discover.

What are your other scores like? I'd think with a 690 TU you'd probably have a decent shot at Discover.

Re: Synchrony CLI for Walmart and Amazon

alextercero — Fri, 25 Sep 2015 00:04:41 GMT

Congrats

Re: Synchrony CLI for Walmart and Amazon

KSK1912 — Fri, 25 Sep 2015 00:12:10 GMT

@Anonymous wrote:
@KSK1912 wrote:
@Anonymous wrote:
I got the card back in April with a SL of $600. Heavy, heavy usage on the card, pay more than once a month. Couldn't get the to raise it via chat or luv button. They finally did an auto CLI to $900 in August. Just now via chat it I got another $3500.

My scores are EX: 674; TU 660 and EQ 625
Same, i got mine in july, same day both walmart and amazon, and did everything and used every excuse to get a clli with no luck. I told them it is inconvenient to have to use, wait forever to see the transaction posted, pay for it, and wait forever for the payment to post, just so that you can use it again. This month that's what i did. used and paid and used and paid. Even got some businness stuff and a laptop for a friend of mine and he paid me cash, just so that i get the most use out of it. and finally got a pretty decent CLI from $800 to $3500 on amazon and with the final round of cli, $150 to $3500 on walmart card so i will not complain.
$150 CL is ridiculous. There's basically nothing you can do with that if you don't want to run up your utilization. A pack of gum, maybe. glad you were able to get them to $3500. I got a pre-qual letter from them a few weeks ago for the Walmart card, but I decided against it since Walmart is a lot farther away from me than Target.

Exactly, that's what i told them too the other times i asked for cli. I said how can i use the card with $150 limit when a $30 purchase will put me at 20% uti. so now i feel a little better that at least i can use it when i need to.

Re: Synchrony CLI for Walmart and Amazon

KSK1912 — Fri, 25 Sep 2015 00:14:18 GMT

@alextercero wrote:
Congrats

Thanks!