topic Re: Sam's Club MasterCard - Credit Solutions Success! in Credit Card Approvals

Sam's Club MasterCard - Credit Solutions Success!

UncleB — Sat, 11 Jun 2016 01:48:43 GMT

Hello friends!

Since my reports became 'baddie free' last month for the first time in 16 years I've been carefully taking advantage of my shiny new scores. Some of you might have read my other threads where I added some accounts last month that have been on my 'bucket list' for quite some time (and a couple of which I thought for years were simply forever out of reach).

That being said, I consider myself to be firmly 'gardening' at the moment, at least until the late fall or early winter. Last Friday I had success with my first call to Credit Solutions regarding my Lowe's card... they raised my CL from $10k to $20k. I made the comment, "No more of that janky button for me!"

Well, knowing that my TU score is likely peaking at the moment (my new accounts from last month aren't reporting yet) I figured I would see if I could get my Sam's Club MasterCard taken care of once and for all... so I can truly be done with that "janky button".

I asked for my CL to be changed from the current limit of $8500 to $20k... and it was approved!

Here's the before screen shot:

And here's the after:

I know there's a small chance I "left some on the table" but honestly for my profile going any higher is simply pointless (and borderline obnoxious)... as I have mentioned before, it would be like having a Corvette solely to drive on a dirt road; it would work but there's no need.

A few data points:

My TU is currently 771 per Discover (this was from a couple of weeks ago, but nothing has changed; if anything my balances have gone down). Also my income is modest, and I was truthful. I would have been pleased even with a counter-offer... but I'm thrilled one wasn't required!

My experience was identical to last week, but this time after placing me on hold to take a look at my credit report the CSR came back and told me he either needed to call me or send a text (in my case either was fine). After I recited the code from the text I was told immediately my CLI was approved for the full amount, and would be available in a few minutes. FWIW, I logged in right away and the CLI wasn't showing yet (I held my breath for a second - had I misunderstood something?) but true to his word, a few minutes later I tried again and it was there.

I felt more confident last week when I called about my Lowe's account since it's (relatively) old at 12 years, and this account is only 10 months old. There was no indication this was considered either time, though.

My account was initially approved with a credit line of $1500, and at the time I was quite pleased (although that was cutting it a bit close for my expected usage). I got an auto-CLI back in November bring my credit line to $4850, and I used the button back in March to get it increased to $8500, where it stayed until today.

I'll also mention that when ending the call, the CSR thanked me for calling "Synchrony Bank Credit Solutions" so the 'Credit Solutions' name is still very much being referenced (I add this since there was speculation a few days ago that this was no longer the case). Also the number I used tonight was the same one I used last week: 877-379-8173. Thanks again to JamP... it was his CS experience last week that prompted me to give it a shot!

Thanks again to my friends on here for the constant encouragement and support... without you guys, this wouldn't have been possible!

(I apologize for the length of my post, but I provide all the details I can think of with the hope that it might be of use to somebody else in the community.)

Re: Sam's Club MasterCard - Credit Solutions Success!

Saleen099 — Sat, 11 Jun 2016 01:52:44 GMT

Nice Congrats UncleB!!!!!!

Re: Sam's Club MasterCard - Credit Solutions Success!

gdale6 — Sat, 11 Jun 2016 01:55:00 GMT

Well done, fantastic limit

Re: Sam's Club MasterCard - Credit Solutions Success!

CreditMagic7 — Sat, 11 Jun 2016 01:57:35 GMT

Well done and Big Congrats UncleB on making the credit line where you want it at finally

Re: Sam's Club MasterCard - Credit Solutions Success!

UncleB — Sat, 11 Jun 2016 02:06:56 GMT

@Saleen099 wrote:
Nice Congrats UncleB!!!!!!

Thanks so much, Saleen!

Re: Sam's Club MasterCard - Credit Solutions Success!

UncleB — Sat, 11 Jun 2016 02:08:28 GMT

@gdale6 wrote:
Well done, fantastic limit

Thank you, my friend... it's nice to be able to not be concerned with CLIs any longer!

Re: Sam's Club MasterCard - Credit Solutions Success!

UncleB — Sat, 11 Jun 2016 02:10:14 GMT

@CreditMagic7 wrote:
Well done and Big Congrats UncleB on making the credit line where you want it at finally

Thanks so much!

I think I'm done with Synchrony CLIs for good now!

(not to be confused with "done with Synchrony"... I'm loving them!)

Re: Sam's Club MasterCard - Credit Solutions Success!

Anonymous — Sat, 11 Jun 2016 02:17:01 GMT

Job well done! Your profile is THICK, I'll go ahead and congratulate you now on getting to 800

Re: Sam's Club MasterCard - Credit Solutions Success!

Anonymous — Sat, 11 Jun 2016 02:18:35 GMT

Boom! That's how to do it, UncleB!

Re: Sam's Club MasterCard - Credit Solutions Success!

Anonymous — Sat, 11 Jun 2016 02:23:40 GMT

Super congrats on both of those cli's! When you call in is it an hp?

Re: Sam's Club MasterCard - Credit Solutions Success!

UncleB — Sat, 11 Jun 2016 02:25:20 GMT

@Anonymous wrote:
Job well done! Your profile is THICK, I'll go ahead and congratulate you now on getting to 800

Thanks so much!

I feel that 'magical' 800 will likely remain out of reach for a while longer, but that's OK... I've found that after you hit 730-750 most things you would be interested in (or at least I'm interested in) are within reach, although if it ever does happen I'll be absolutely thrilled!

Re: Sam's Club MasterCard - Credit Solutions Success!

UncleB — Sat, 11 Jun 2016 02:28:15 GMT

@Anonymous wrote:
Boom! That's how to do it, UncleB!

Thank you so much my friend!

I'll be the first to shout from the rooftops... gardening works!

Re: Sam's Club MasterCard - Credit Solutions Success!

UncleB — Sat, 11 Jun 2016 02:30:44 GMT

@Anonymous wrote:
Super congrats on both of those cli's! When you call in is it an hp?

Thanks so much!

Every once in a while somebody will report getting a HP when they call, but most of the time it's only a SP.

(In my own case, it was worth it in either case.)

Re: Sam's Club MasterCard - Credit Solutions Success!

Gmood1 — Sat, 11 Jun 2016 02:40:34 GMT

Holy Smokes UncleB! Just what do I have to do to be like you my friend?

I've considered hanging a life size poster of you on my wall. And when people ask who's that guy? I'll tell them you're a credit pimping rockstar!

You've definitely got the CLI pimping down my friend! Keep up the good work.

Re: Sam's Club MasterCard - Credit Solutions Success!

UncleB — Sat, 11 Jun 2016 02:47:52 GMT

@Gmood1 wrote:
Holy Smokes UncleB! Just what do I have to do to be like you my friend?
I've considered hanging a life size poster of you on my wall. And when people ask who's that guy? I'll tell them you're a credit pimping rockstar!
You've definitely got the CLI pimping down my friend! Keep up the good work.

LOL... I just literally let out a chuckle reading this!

Thanks so much for your kind words!

Sometimes CLIs can be hit or miss (Capital One!) but lately I've been fortunate to have some nice hits... again, if it weren't for my friends on here it woudn't have been possible!

Re: Sam's Club MasterCard - Credit Solutions Success!

Anonymous — Sat, 11 Jun 2016 03:23:46 GMT

Congrats on your CLI!

Re: Sam's Club MasterCard - Credit Solutions Success!

Anonymous — Sat, 11 Jun 2016 03:28:27 GMT

HUGE! he____lll ya...Im too chicken to ask...at 12K and grateful. Nice and well done! Congrats

Re: Sam's Club MasterCard - Credit Solutions Success!

UncleB — Sat, 11 Jun 2016 03:55:47 GMT

@Anonymous wrote:
Congrats on your CLI!

Thanks so much!

Re: Sam's Club MasterCard - Credit Solutions Success!

UncleB — Sat, 11 Jun 2016 04:02:47 GMT

@Anonymous wrote:
HUGE! he____lll ya...Im too chicken to ask...at 12K and grateful. Nice and well done! Congrats

Thanks so much!

I know exactly how you feel... I really don't like calling up my lenders (like, really don't like it) but I have to admit, talking to CS is painless - even for me. If it helps any, just keep in mind that it's not like they can come through the phone or anything... strangely that line of thought always helps me to 'deal' with making a call!

Also, if it helps they really only ask the most basic questions... they aren't concerned (nor do they even care) why you want a CLI; they are only there to key in your information and give you an answer. Don't get me wrong - they are friendly - but you don't have to be concerned with small-talk when you call. When I have called they have been both prompt and professional.

The hardest part is waiting on hold while they look over your credit report... the rest is a cakewalk.

Re: Sam's Club MasterCard - Credit Solutions Success!

JamP — Sat, 11 Jun 2016 04:38:16 GMT

Your the man UnkleB.

It's amazing to get 10k to 15k CLI's

You deserve it bro. Nothing like having $41 balance on a twenty thousand dollar card lol