topic Re: Synchrony Is in the Christmas Spirit Today in Credit Card Approvals

Synchrony Is in the Christmas Spirit Today

CH-7-Mission-Accomplished — Fri, 04 Dec 2015 21:33:44 GMT

I have three Synchrony store accounts opened since my BK discharge 24 months ago.

They started off with very low limits, like $400.

Today they increased Walmart from $1800 to $5000 (amount I asked for)

Lowes from $2800 to $10,000 (amount I asked for)

PayPal SmartConnect $2800 to $4000 (asked for $5000 -- said sending me a 7 to 10 day letter. Weird).

I also have a CareCredit account for 10.8K with them. Oddly, that was the first unsecured card I got 12 months post filing and it was approved for 10K then. Did one HP CLI request sometime back and only got $800.

That's as high as I want these cards to go (except I want PayPal to 5K just because I hate an amount that doesn't end in a multiple of 5. OCD!)

Re: Synchrony Is in the Christmas Spirit Today

CH-7-Mission-Accomplished — Fri, 04 Dec 2015 21:37:23 GMT

FICO 08 scores are:

EX - 698

EQ - 688

TU - 688

EQ FICO 04 from DCU = 686

Re: Synchrony Is in the Christmas Spirit Today

Scupra — Fri, 04 Dec 2015 22:56:17 GMT

Nice job!! Those are much better limits

Re: Synchrony Is in the Christmas Spirit Today

ddemari — Fri, 04 Dec 2015 23:25:38 GMT

Congrats on your synch bank luv!

Re: Synchrony Is in the Christmas Spirit Today

DeeBee78 — Fri, 04 Dec 2015 23:28:23 GMT

@CH-7-Mission-Accomplished wrote:

That's as high as I want these cards to go (except I want PayPal to 5K just because I hate an amount that doesn't end in a multiple of 5. OCD!)

Uhm, 5 x 800 = 4,000

Re: Synchrony Is in the Christmas Spirit Today

Anonymous — Fri, 04 Dec 2015 23:34:40 GMT

Congratulations!

Re: Synchrony Is in the Christmas Spirit Today

Anonymous — Sat, 05 Dec 2015 01:06:24 GMT

WTG . . . Congrats!

Re: Synchrony Is in the Christmas Spirit Today

Anonymous — Sat, 05 Dec 2015 06:30:52 GMT

Lol deebee. Congrats OP!

Re: Synchrony Is in the Christmas Spirit Today

L0RDAVENTAD0R — Sat, 05 Dec 2015 06:36:58 GMT

@CH-7-Mission-Accomplished wrote:
FICO 08 scores are:
EX - 698
EQ - 688
TU - 688

EQ FICO 04 from DCU = 686

Congrats! I have two questions if you don't mind:

(1) What was your report's utilization rate when approved for your CLI's?

(2) Were they HP's or SP's?

Thanks.

Re: Synchrony Is in the Christmas Spirit Today

CH-7-Mission-Accomplished — Sat, 05 Dec 2015 06:40:33 GMT

@lordAventador wrote:
@CH-7-Mission-Accomplished wrote:
FICO 08 scores are:
EX - 698
EQ - 688
TU - 688

EQ FICO 04 from DCU = 686
Congrats! I have two questions if you don't mind:

(1) What was your report's utilization rate when approved for your CLI's?
(2) Were they HP's or SP's?

Thanks.

2% utilization. All SP's.

Re: Synchrony Is in the Christmas Spirit Today

CH-7-Mission-Accomplished — Sat, 05 Dec 2015 06:41:19 GMT

@DeeBee78 wrote:
@CH-7-Mission-Accomplished wrote:

That's as high as I want these cards to go (except I want PayPal to 5K just because I hate an amount that doesn't end in a multiple of 5. OCD!)

Uhm, 5 x 800 = 4,000

There always has to be a math major in the forum! LOL. "I'm not too smart but I can lift heavy things..."

Re: Synchrony Is in the Christmas Spirit Today

CH-7-Mission-Accomplished — Sat, 05 Dec 2015 06:41:59 GMT

@DeeBee78 wrote:
@CH-7-Mission-Accomplished wrote:

That's as high as I want these cards to go (except I want PayPal to 5K just because I hate an amount that doesn't end in a multiple of 5. OCD!)

Uhm, 5 x 800 = 4,000

I guess I mean an even 5K!

Two years ago I would have given anything to get a $300 card, so these are now first world problems.

Re: Synchrony Is in the Christmas Spirit Today

alextercero — Sat, 05 Dec 2015 08:10:06 GMT

Congrats

Re: Synchrony Is in the Christmas Spirit Today

Country_Feller — Sat, 05 Dec 2015 08:47:11 GMT

Congratulations!!!!

Re: Synchrony Is in the Christmas Spirit Today

Anonymous — Sat, 05 Dec 2015 13:15:14 GMT

Fantastic job, congrats

Re: Synchrony Is in the Christmas Spirit Today

Anonymous — Sat, 05 Dec 2015 17:20:56 GMT

Congrats!

Re: Synchrony Is in the Christmas Spirit Today

DeeBee78 — Sat, 05 Dec 2015 17:37:03 GMT

@CH-7-Mission-Accomplished wrote:
@DeeBee78 wrote:
@CH-7-Mission-Accomplished wrote:

That's as high as I want these cards to go (except I want PayPal to 5K just because I hate an amount that doesn't end in a multiple of 5. OCD!)

Uhm, 5 x 800 = 4,000
I guess I mean an even 5K!

Two years ago I would have given anything to get a $300 card, so these are now first world problems.

I understood what you meant, I just wanted to give you a hard time

Congrats on your success!

Re: Synchrony Is in the Christmas Spirit Today

datrucking210 — Sat, 05 Dec 2015 18:00:48 GMT

Congrats!

You probably left 7k on the table for the Lowes card.

Re: Synchrony Is in the Christmas Spirit Today

CH-7-Mission-Accomplished — Sat, 05 Dec 2015 21:55:38 GMT

@datrucking210 wrote:
Congrats!

You probably left 7k on the table for the Lowes card.

Yeah, I know, but I don't want my Lowes limit any higher than 10K or Walmart higher than 5K. I want to look like I have less available credit shortly when I apply with Penfed and NASA and a few others. I intend to cut these limits down as other limits increase in the future.

Re: Synchrony Is in the Christmas Spirit Today

Anonymous — Mon, 07 Dec 2015 08:13:43 GMT

Congrats on your successes!