topic Re: Holy Crapoly CLI on Amazon and Walmart! in Credit Card Approvals

Holy Crapoly CLI on Amazon and Walmart!

Jesi — Wed, 15 Jun 2016 13:05:09 GMT

I have tried the button to no avail on Amazon, I got the card in November and my starting limit was $800...and there it has remained despite keeping it low, using often and paying several times a month. I got a lot of other cards since and got them increased much faster. This is my most beloved and used card since I'm still not able to get anything more than Capital One cards for a major credit card. My Walmart one is very slowly increasing, my starting limit I can't remember but I've only had it a few months, it was very low and I got it up to $600. Chatted earlier last week and got nothing. Used the button again yesterday and got it up to $750. Decided, I'm going to try this Credit Solutions business and was so afraid, but it was literally no different than chatting and I got my card up to $3500, I asked for $4000 so I'm happy! As far as my Amazon I asked for $3000 and got it. Sat here for about 45 minutes contemplating and searching if I could call again the same day and figured what the hell. Called back and asked for $4000 and got it! I almost wonder if I could have gotten more? I don't have any cards above $4,000. My husband only has one and it's a Pier One card, no idea why, his other Comenity Bank cards are pretty small, almost all under $1,000 but Pier One decided they love him and he's up to $5,350 and has only had it since winter! I really need to update my signature now because I've gotten so much more than I have listed. I'm so grateful for this forum. Just since the end of fall I've gone from having a Credit One card with a very low limit and a Capital One card with a very low limit to having $60,000 worth of credit in our hands. Unfortunately it's nearly all store credit cards so hopefully our scores keep climbing and we can start getting in with the big boys here soon. Our only problem right now is inquiries. We haven't had anything bad on our reports in a few years but we had that issue of no one would give us credit without having credit. As much as we all hate Credit One, if it wasn't for them we still would probably have NO credit available to us.

Re: Holy Crapoly CLI on Amazon and Walmart!

takeshi74 — Wed, 15 Jun 2016 13:52:50 GMT

@Jesi wrote:
I have tried the button to no avail on Amazon, I got the card in November and my starting limit was $800...and there it has remained despite keeping it low, using often and paying several times a month.

It is not just about usage and it is not just about the one account. Your entire credit profile and your income matter with any creditor.

@Jesi wrote:
Unfortunately it's nearly all store credit cards so hopefully our scores keep climbing and we can start getting in with the big boys here soon. Our only problem right now is inquiries.

A revolving account is a revolving account. Inquiries are not your problem. Inquiries are typically a small factor. However, they can have a bigger impact for those with think profiles and/or profiles with issues. However, in such cases inquiries are a symptom and not a cause. You need to identify the bigger issues with your credit profile and work on addressing them. The low limit cards alos indicate that creditors have concerns with your credit profile.

We can certainly help you to determine what the problems are and how you can address them if possible but you'd need to share enough to give us an idea of what your credit profile looks like. There are a lot of accounts in your signature. When were these opened? With your profile you need to gradually add accounts. A lot of new accounts and credit seeking actvity will be signfiicant red flags and will also have an imapct on your scores.

...and please use paragraphs. It is difficult to read posts that run on like that.

Re: Holy Crapoly CLI on Amazon and Walmart!

Jesi — Wed, 15 Jun 2016 13:55:59 GMT

Not all of those accounts are mine, some are joint with my husband.

Re: Holy Crapoly CLI on Amazon and Walmart!

UncleB — Wed, 15 Jun 2016 14:20:58 GMT

Congratulations on your CLI successes!

Credit Solutions has been generous to many of us around here, including your's truly.

Re: Holy Crapoly CLI on Amazon and Walmart!

Anonymous — Wed, 15 Jun 2016 14:36:43 GMT

Hi, what is Credit Solutions?

Re: Holy Crapoly CLI on Amazon and Walmart!

Jesi — Wed, 15 Jun 2016 14:39:58 GMT

It's so bizarre because a couple days ago chatting wasn't getting me anywhere again, so I called a few times today and then decided to chat again, now I'm getting credit limits increases still on my Synchrony cards via chat, it's like once you call credit solutions it helps with the chat again which I prefer. I'm on a roll today!

Re: Holy Crapoly CLI on Amazon and Walmart!

CreditMagic7 — Wed, 15 Jun 2016 15:10:03 GMT

Congratulations

Re: Holy Crapoly CLI on Amazon and Walmart!

UncleB — Wed, 15 Jun 2016 15:24:44 GMT

@Anonymous wrote:
Hi, what is Credit Solutions?

Lots of info here on Credit Solutions...

In a nutshell, they are a 'help desk' for most Synchrony credit accounts that you're directed to when you have a CLI need that can't be handled by the front line CSRs or chat. People on here figured out a while back that you could simply call them directly for CLIs (bypassing the front-line CSRs altogether) and they can be quite generous.

They are notably different from the regular and chat CSRs in that they do a SP on your TU while you wait, so the stronger your TU the more generous they tend to be. Note that there's always a chance that calling them can be a HP, but 95% of the time it's a SP.

Re: Holy Crapoly CLI on Amazon and Walmart!

RonM21 — Thu, 16 Jun 2016 00:42:42 GMT

Congrats on the CLI

Re: Holy Crapoly CLI on Amazon and Walmart!

Anonymous — Thu, 16 Jun 2016 05:03:32 GMT

Congrats on your increases. In regards to "getting in with the big boys". I can offer a little advice. I would close every store card that has a limit under 1k unless it's a card you absolutely love and want to grow & it offers massive discount benefits for example like the Khols card. The reason for this is tidiness. At the same time apply for a Synchrony Visa or Mastercard such as Stash or Marvel and when you get it call CS and ask for a 10k credit line, you'll be countered and what they give you will offset the dollar amount of the closed credit lines. Then garden for 1 year and apply for 3 credit cards at big banks except for Chase because of 5/24. I recommend Discover and Amex as they grow fast, then choose either BofA or Citi or a non 5/24 Chase card, but if you do go for a non 5/24 Chase card make sure to app with them first. You could try this at 6 months and maybe have decent luck, but I'd give it a year for better SL results. Then once you have those they will grow and you'll be lined up for more success. Just my opinion. Everyone has their own way of getting there. If you were itching to try something sooner rather than later though, I would do the above first, then in 3 months app for Amex Delta Skymiles and follow the 3xCLI thread. That would give you a head start as it's an easier card to get with a big lender who is known to not be as "inquiry sensitive" as the other banks. Then hang tight for a bit. This is all presuming utilization ratio is in check.

Re: Holy Crapoly CLI on Amazon and Walmart!

Jesi — Thu, 16 Jun 2016 03:58:31 GMT

No luck with Synchrony Visa's only store cards so far, perhaps in a while now that my limits are ridiculously high in my opinion. To me I find them laughable because I could never spend that much at any of these stores which is funny because I'm a shopaholic. The plus side for me is being able to buy some things and not have my card maxed out when need school clothes or something. I was able to get almost every one of my Synchrony cards increased today, I think I've acquired over $15,000 in CLI today on my accounts.

What do you mean by tidiness as far as credit cards go? I also don't know what 5/24 means.

Re: Holy Crapoly CLI on Amazon and Walmart!

Jesi — Thu, 16 Jun 2016 04:00:43 GMT

Planning on closing the Credit One for sure, it's just that when we tried to close it several months ago they hassled us about it and said they would not refund the annual fee and that they won't close it until it's about to be charged again. I get it but at the same time, what's the point other than it's probably helping my AoAA since it was my first major credit card. I'm currently being offered and all but harassed about a tiny CLI on that card but with a $25 fee to get that I keep telling them no way, leave me alone. Not sure if anyone has actually gotten that increased without paying a fee but I'm definitely not! This fall that one will be closed for sure.

Re: Holy Crapoly CLI on Amazon and Walmart!

Anonymous — Thu, 16 Jun 2016 07:20:19 GMT

Congrats on your success!

Re: Holy Crapoly CLI on Amazon and Walmart!

alextercero — Thu, 16 Jun 2016 08:07:53 GMT

Congrats

Re: Holy Crapoly CLI on Amazon and Walmart!

xaustie — Thu, 16 Jun 2016 15:35:33 GMT

@Jesi wrote:
Planning on closing the Credit One for sure, . . . what's the point other than it's probably helping my AoAA since it was my first major credit card. . . .

My understanding is that the account will remain on your account for ten years (assuming no lates reported) from the date of closure. The FICO8 (and other major scores but not Vantage3) will keep it in your AoAA. If there are lates then it remains for seven years from first late. Close it - get rid of that AF for a card that has no value to you..

Re: Holy Crapoly CLI on Amazon and Walmart!

Anonymous — Thu, 16 Jun 2016 22:13:12 GMT

Nice, congrats on your success !!

Re: Holy Crapoly CLI on Amazon and Walmart!

Jesi — Thu, 16 Jun 2016 22:20:09 GMT

I actually just got my Amazon up to $5,000 today. I didn't shoot that high yesterday because my starting limit was only $800 and I didn't think I'd be eligible for anything over $2,000!