topic Re: Synchrony- CLI! in Credit Card Approvals

Synchrony- CLI!

kwinky13 — Wed, 20 Sep 2017 16:35:54 GMT

Hi all! So I have had Gap ($200 Credit Limit) and Amazon ($800 Credit Limit) cards with them for a year now, and I have NEVER received a cli when I push the button. Well after reading on here to try the chat button I decided to make the leap.

Gap: $200 to $3500!!

Amazon: $800 to $3500!!

I am floored! You guys rock with the amount of knowledge. I tried the same for my Walmart card but that was declined (it has only been open a month, but I was feeling froggy, so I jumped)

Thank you all!

Re: Synchrony- CLI!

CreditMagic7 — Wed, 20 Sep 2017 18:59:08 GMT

Whoa!!

Nice timing

Congrats!

Re: Synchrony- CLI!

Anonymous — Wed, 08 Nov 2017 20:54:30 GMT

Congrats!

Do you happen to know if it resulted in a hard or soft pull? I am dying to raise my CL on my Synchrony Amazon card from $800 to $3500, but I don't want to ding my credit to do so.

Thanks!

Re: Synchrony- CLI!

chucky1234 — Wed, 08 Nov 2017 21:06:53 GMT

It’s soft pulls. I was the same and thought it was a hard pull but they do a soft pull on your transunion report. I was also at $800 and now I am at $6,000 within months.

Re: Synchrony- CLI!

Anonymous — Wed, 08 Nov 2017 21:16:03 GMT

That's good news! What exactly do I say when I call? I'm nervous. This feels like a first date...

Re: Synchrony- CLI!

chucky1234 — Wed, 08 Nov 2017 21:20:52 GMT

LOL...that’s a good one. First date statement....

I was also nervous just told them I need a CLI for the holidays coming up and that was it. You have to state your income and then she will put you on hold for 1 or 2minute and come back with a response. I have to say if your transunion Fico 08 is 650 and higher pretty much you will get a good bump. Good luck. Let us know how it went.

Re: Synchrony- CLI!

kwinky13 — Wed, 08 Nov 2017 21:27:34 GMT

So two days ago I️ went in to ask for another cli for my Amazon and it is now $6,000. I️ think you are golden to get an increase.

Re: Synchrony- CLI!

Anonymous — Wed, 08 Nov 2017 21:31:13 GMT

My FICO score is 640. The reason I'm asking for the increase is to increase my score. I have never come close to hitting my $800 limit. I've had the card for 8 months and almost always pay in full. Never a late payment. Pray for me!

Re: Synchrony- CLI!

Anonymous — Wed, 08 Nov 2017 21:35:36 GMT

YES! Congratulations! Enjoy your new CLI. Don't spend it all in one place. Those cards are some of my faves! You can never go wrong @ Gap and Amazon!

Re: Synchrony- CLI!

Starting_Over2013 — Wed, 08 Nov 2017 23:00:39 GMT

Congrats!

Re: Synchrony- CLI!

Anonymous — Thu, 21 Dec 2017 05:34:42 GMT

Congrats! That's pretty massive and amazing! As for me (and my Question) - I started with "Care Credit" for some 911 dental work, and only asked Synch for $2000 and they gave me $4500!! - Just paid it off this month (their offer was an amazing 21 months, 0%APR - What a GREAT deal vs. a standard CC or paying cash as it was an 'emergency' DDS job and whilst I had the $$ to pay for it - with Christmas coming and some overseas travels, I'd already bookmarked those funds for something else - *FUN*! But here's my point - I did NOT know they had 98 (yes ninety-eight) MERCHANTS that they work with (Amazon and Walmart are the 2 big winners obviously) but my Discover card has a pretty sweet deal with AMZN too - but I digress... Point was, the folk at Synchrony have been super easy to deal with (well, I've never talked to them - but I mean the bill comes - it gets paid - it posts - Life goes on) NO HASSLES, no issues..! Love it! Then I got my Marvel card in the mail (invite/pre-approved) and that too was a pleasant surprise with a $3500 CL on it (though not sure why a DDS gets more than a daily driver CC?) But onto my question - Are we 100% certain any CLI w/Marvel is truly only a 'soft pull'? - ALSO - What's the time frame here before looking for some CLI love? I'm only at 8 months into my Marvel card now I think? - And outside of AMEX, I usually wait 12 months before asking for any CLI'S and always make sure it's PIF $0 BAL before requesting it (my score is 750ish depending on which report) - So does anyone know how long I should wait before requesting an increase?? -AND- I'm seeing some pretty wild increases being granted here!? If you had $3500 right out of the gate - can I be as bold to go for $7000K (double?) (Again, I'm working off the AMEX 30/6/3x theory here) - Plus I've treated them great and they've treated me well in return - Additionally my Marvel Card ALWAYS gets comments when I whip it out to pay )) PPL LOVE IT! Lastly, I'm looking to get hitched this next summer which means some *bling* is needed for the better half - I see Hyde's Jewelers is one of their 98 partners and emailed them today requesting a price on a few things I saw online (plus my daughter wants a nice necklace for xmas) - ***NOTE! - I do NOT believe in getting "store cards" just to get 20% off GAP jeans or whatever - as it's totally NOT worth the hard pull hit you'll take and odds are you'll only get like $300-$800 for that kind of store (pls feel free to correct me if I'm wrong) - Whereas online MEGA stores like Amazon or brick and mortar shops like Walmart, if you get $3000-$5000 to use at those places, that's well worth the HP (imho) .... So, all that said, I'm happy with my Discover and their Amazon cash back / points deal for now - but I have my eye on a hefty ring, [as well as a watch for myself -insert evil laugh lol-] But seriously, this is 9 years in the planning for me (and SAVING $$$ too) - so it's def not an impulse buy for me (the watch) and can easily spread it across several other 0% 18/Mo. no interest cards... But then I saw that Hyde's is financed by Synchrony!! WooHoo! Has anyone rang them and asked if you can get another MERCHANTS card withOUT them doing another hard pull? I mean heck, they already have 2 cards with me (Care Credit and Marvel) so they "know me" and my payment history - so when I wrote Hyde's earlier today, I asked what their 'typical credit limit was?' - Of course he couldn't answer as that's like asking "how long is a string?" (which makes sense as every case is different I suppose) But if I can get a Hyde's card with say $8K-$10K on it to cover the ring and part of my dream watch - AND - with just a soft pull, I'd be one happy camper!! YES! - (as would the bride to be - assuming she says 'yes' - ahem) - The ring will actually be closer to $12K when all is said and done (women aye?) JK!! and my toy is about half that... but I will pay most of that in cash as I gotta keep things under 30% UTIL too - SO - any suggestions as to how much to ask for on the Marvel for a CLI ?? -and- HOW LONG do you all wait before requesting any luv? Lastly, if there are any 'finance guys' in here that understand how these 98 retailers all work and play so well together, and if it IS possible to get a Hyde's card with a lateral soft pull move, you're def invited to the wedding!!! Thanks! BB PS: Here's the full list that I found earlier of all 98 Synchrony shops/partners... ***** Full List of Synchrony Bank Store Credit Cards [Includes the Best Cards] ***** (they did the 'best cards' part, not me - so no idea if I agree with their opinions) - My first contribution! https://upgradedpoints.com/synchrony-bank-store-credit-cards/