My Synchrony CLI data points

Anonymous — Wed, 14 Oct 2015 16:51:40 GMT

I just wanted to share some data points from CLI's with Synchrony.

For all CL requests below, stated income has been in the $125-150K range.

Lowes

Starting limit: $800

No Luv from the website CLI feature

Called in a few days after activation before 1st use, requested $7,500 and got $7,500 CL (TU FICO 8 > 680)

After $2,800 purchase and first $300 payment, again, no Luv from the website CLI feature

Called in a few weeks after first before another purchase, requested $15,000 and got $15,000. Should have asked for more! (TU FICO 8 > 710)

Techron Advantage Visa

Starting limit: $1,200

No Luv from the website CLI feature

Called in after a couple statements cut and heavy usage, requested $4,000, they countered with $2,400 CL (TU FICO 8 > 680)

Still no Luv from website

Amazon Store Card

Starting limit: $700

AA to $600 after maxed out and a few baddies (bogus nuisance collections) hit my report for a short period

No Luv button after TU FICO > 680

Called in, requested $5,000, got $4,000 CL

Sams Club

Apped for MC, got store card despite TU FICO 8 > 715 at the time

Starting limit: $937 ... ??? lol

CLI denied over phone w/ Credit Solutions right after approval

Luv button denied

Charged $80 to card over website, despite not having received a physical card yet

Luv button still denied

Chat denied (TU FICO 8 still > 710)

Still haven't made my first payment, will try again after that. That may be the trigger for CLI cycle to start on this card.

My DW's accounts

Amazon

Starting limit: $700 (~ 650 TU FICO 8)

Luv button denied

Denied CLI via chat after first payment posted and current ~$500 balance. Boo.

Lowes

Starting limit: $500 (~640 TU FICO 8)

Phone call w/ Credit Solutions denied before first use/activation

First purchase for $230, paid half off immediately

Luv button denied

Chat approved for $5,000 CL at $115 balance WOW (~650 TU FICO 8)

JCPenney

Old account (5+ years), prior 30 day late reporting

Limit was $1400 at the beginning of the year

Auto-increase to $1900 while balance was about $900. Nice

Luv button denied after that. Letter stating too soon since CL change.

Chat approved for $3,500 after requesting $5,000. (~650 TU FICO 8)

Has been paid on time for past 3+ years, with varying payments

Chevron (Non-Visa)

Old account (5+ years), no lates reporting

Limit was $300

$0 balance for 6+ months now

Luv button approved for $450 CL

Haven't tried chat or Credit Solutions. Will have DW request $1000.

Hope that data helps folks with gauging the potential success and generosity of Synchrony. So far, definitely my favorite credit card company as they've allowed both myself and my DW to grow our credit profiles substantially and responsibly.

Re: My Synchrony CLI data points

Anonymous — Wed, 14 Oct 2015 16:50:01 GMT

thank you very much..very helpful

Re: My Synchrony CLI data points

willwar14 — Wed, 14 Oct 2015 18:04:18 GMT

Congratz.

Re: My Synchrony CLI data points

Anonymous — Wed, 14 Oct 2015 18:20:17 GMT

Does anyone get increases during a score decrease trend?

Re: My Synchrony CLI data points

Anonymous — Wed, 14 Oct 2015 18:55:27 GMT

Yes, several of my CLI's would have been acquired while my scores were on a slight decline from a lot of new HP and TL's. Especially the $15K Lowes one. My score was 20 points lower than when they SP'd for the $7500 CL.

Re: My Synchrony CLI data points

Anonymous — Wed, 14 Oct 2015 20:47:54 GMT

Cool. My sams auto cli was during my lower scores this month, but when asking for increases too, that's good info.

Re: My Synchrony CLI data points

12njoy — Wed, 14 Oct 2015 21:35:44 GMT

Congrats. Love me some Synchrony

7/22/2014 Synchrony/(formerly GE) cards/limits

Walmart Discover (soon to be Mastercard) @ $6,000
TJX Platinum Mastercard @ $5,000
eBates @ $5,000

Today's cards/limits

Walmart Mastercard $20,000

Paypal Mastercard $20,000

TJX Mastercard $20,000

ebates Platinum Visa $20,000

BP Visa $10,000

Old Navy Visa $10,000

Stash Platinum Visa $3,000

Total $103,000

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My Synchrony CLI data points

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