topic Re: Belk Synchrony CLI in Credit Card Approvals

Belk Synchrony CLI

Credit_Aficionado — Sat, 08 Aug 2020 14:48:39 GMT

This card was one of my first credit cards that I recieved. Do I regret it? Yes. Do I still use it? Not really. I dislike store cards so much, with a passion. Anyways requested a CLI from Synchrony since it switched over to a Mastercard.

CLI: $1,450-$2,200

Another note: Did not appreciate how Belk closed the previous account and opened a new one with Synchrony, whereas, my Target Redcard crossover did NOT close an account. From what I was reading, it's just how Synchrony does its business. I had them note on my credit report though that my Belk Store Account was closed due to transfer. I just didn't appreciate what it did to my credit history, closed an old account and opened a new one (this was about a year ago).

Re: Belk Synchrony CLI

CreditAggie — Sat, 08 Aug 2020 14:51:11 GMT

Congratulations on your Belk CLI!

Re: Belk Synchrony CLI

gdale6 — Sat, 08 Aug 2020 14:59:19 GMT

Excellent, grats on your CLI

Re: Belk Synchrony CLI

blindambition — Sat, 08 Aug 2020 15:03:35 GMT

Congrats on your CLI success!! 👍🏻

Re: Belk Synchrony CLI

M_Smart007 — Sat, 08 Aug 2020 15:38:47 GMT

Congrats! ..

Re: Belk Synchrony CLI

AllZero — Sat, 08 Aug 2020 15:39:21 GMT

Congratulations on your CLI!

Re: Belk Synchrony CLI

mrcraft — Sat, 08 Aug 2020 18:25:52 GMT

Congratulations on your CLI!!

Re: Belk Synchrony CLI

cashorcharge — Sat, 08 Aug 2020 18:33:22 GMT

Congratulations on your increase!!! 🎉

Re: Belk Synchrony CLI

AverageJoesCredit — Sat, 08 Aug 2020 20:15:11 GMT

@Credit_Aficionado wrote:
This card was one of my first credit cards that I recieved. Do I regret it? Yes. Do I still use it? Not really. I dislike store cards so much, with a passion. Anyways requested a CLI from Synchrony since it switched over to a Mastercard.
CLI: $1,450-$2,200

Another note: Did not appreciate how Belk closed the previous account and opened a new one with Synchrony, whereas, my Target Redcard crossover did NOT close an account. From what I was reading, it's just how Synchrony does its business. I had them note on my credit report though that my Belk Store Account was closed due to transfer. I just didn't appreciate what it did to my credit history, closed an old account and opened a new one (this was about a year ago).

Those of us who had/ have Walmart cards went through same deal. No big deal. Closed accounts and new ones with Cap One added as it was what happened, a transfer. Going off your scores i cant possibly see how that change affected you but we all take credit issues differently. Were it me , if i hated a store card that much id just close it. Your score wont be affected unless it affects your util and you have some really good cards. Just an opinion.

Re: Belk Synchrony CLI

nuohlac — Sat, 08 Aug 2020 23:48:58 GMT

Congrats!!!

Re: Belk Synchrony CLI

Applepro1990 — Sun, 09 Aug 2020 03:59:32 GMT

@Credit_Aficionado wrote:
This card was one of my first credit cards that I recieved. Do I regret it? Yes. Do I still use it? Not really. I dislike store cards so much, with a passion. Anyways requested a CLI from Synchrony since it switched over to a Mastercard.
CLI: $1,450-$2,200

Another note: Did not appreciate how Belk closed the previous account and opened a new one with Synchrony, whereas, my Target Redcard crossover did NOT close an account. From what I was reading, it's just how Synchrony does its business. I had them note on my credit report though that my Belk Store Account was closed due to transfer. I just didn't appreciate what it did to my credit history, closed an old account and opened a new one (this was about a year ago).

Congrats on your increase. I also agree. Synchrony does business in a weird way as I wish they would not close accounts when they start a new partnership.