topic Re: Synchrony CLI's pt 2 in Credit Card Approvals

Synchrony CLI's pt 2

macinjosh — Thu, 07 Jan 2021 06:41:48 GMT

Well, I asked for CLI's on my eBay MC, Amazon SC, and PayPal Credit.

eBay: $6,800 --> $10,000

Amazon: $9,000 --> $10,000

PayPal Credit: $6,800 --> $10,000

That's a total of $7,400 in more credit. Brings me to $204,000 in TCL's. I broke the $200k milestone, and on my way $250k. Talk about a wild ride that last 3 years have been.

$26,300 in 6 days. Insane!

Re: Synchrony CLI's pt 2

AllZero — Thu, 07 Jan 2021 06:49:19 GMT

Congratulations on your CLIs! Job well done on breaking $200k.

Re: Synchrony CLI's pt 2

mrcraft — Thu, 07 Jan 2021 07:08:27 GMT

Congratulations on your CLI!!

Re: Synchrony CLI's pt 2

Conceptual23 — Thu, 07 Jan 2021 09:21:12 GMT

Congrats on the increases!

Re: Synchrony CLI's pt 2

AverageJoesCredit — Thu, 07 Jan 2021 11:54:25 GMT

@macinjosh wrote:
Well, I asked for CLI's on my eBay MC, Amazon SC, and PayPal Credit.

eBay: $6,800 --> $10,000
Amazon: $9,000 --> $10,000
PayPal Credit: $6,800 --> $10,000

That's a total of $7,400 in more credit. Brings me to $204,000 in TCL's. I broke the $200k milestone, and on my way $250k. Talk about a wild ride that last 3 years have been.

$26,300 in 6 days. Insane!

Thats great MJ You are in the sweet spot right now. Enjoy that 200k. I just broke $256k myself

Re: Synchrony CLI's pt 2

MartyWrite75 — Thu, 07 Jan 2021 12:13:36 GMT

Wow! Congratulations on your CLIs!!!

Re: Synchrony CLI's pt 2

Shooting-For-800 — Thu, 07 Jan 2021 12:16:10 GMT

Congrats.

$10k seems to be the ceiling for me (and most others)

Re: Synchrony CLI's pt 2

coldfusion — Thu, 07 Jan 2021 12:45:31 GMT

@Shooting-For-800 wrote:
Congrats.
$10k seems to be the ceiling for me (and most others)

For most* Synchrony cards there is a $10K cap when requesting online; > $10K is doable but you have to call Synchrony Credit Solutions and ask a live agent. They'll process it right there and normally give you an answer while you're still on the phone.

*Lowe's is a known exception, I've seen comments that infer PayPal may also be one

Re: Synchrony CLI's pt 2

Credit4Growth — Thu, 07 Jan 2021 15:27:05 GMT

@macinjosh wrote:
Well, I asked for CLI's on my eBay MC, Amazon SC, and PayPal Credit.

eBay: $6,800 --> $10,000
Amazon: $9,000 --> $10,000
PayPal Credit: $6,800 --> $10,000

That's a total of $7,400 in more credit. Brings me to $204,000 in TCL's. I broke the $200k milestone, and on my way $250k. Talk about a wild ride that last 3 years have been.

$26,300 in 6 days. Insane!

20200920_143235.gif

I will send a Congratulations in a few moments... right now I still can not believe what I read...

Re: Synchrony CLI's pt 2

Credit4Growth — Thu, 07 Jan 2021 17:16:44 GMT

Wow! That is awesome, Congratulations!

[Mod cut - Photo removed for violating Terms of Service]

Re: Synchrony CLI's pt 2

Anonymous — Thu, 07 Jan 2021 15:44:25 GMT

Wow, congrats! Breaking 200k. I'm impressed.

And here I am debating whether to break 5k by bumping my $500 limit card to $1k. If it ain't broke don't fix it I suppose.

And @AverageJoesCredit at 256k? Wow. I remember when your limits were close to mine. I guess I decided to just loiter at the starting line instead of joining the race.

Re: Synchrony CLI's pt 2

macinjosh — Thu, 07 Jan 2021 15:41:21 GMT

@Credit4Growth wrote:
@macinjosh wrote:
Well, I asked for CLI's on my eBay MC, Amazon SC, and PayPal Credit.

eBay: $6,800 --> $10,000
Amazon: $9,000 --> $10,000
PayPal Credit: $6,800 --> $10,000

That's a total of $7,400 in more credit. Brings me to $204,000 in TCL's. I broke the $200k milestone, and on my way $250k. Talk about a wild ride that last 3 years have been.

$26,300 in 6 days. Insane!
20200920_143235.gif

I will send a Congratulations in a few moments... right now I still can not believe what I read...

I know. I still can't believe it myself. From $0 credit to $204,000 in 35 months. Now to make sure I do something to pay off the just under $21k I owe so I don't lost all my credit again.

Re: Synchrony CLI's pt 2

Jnbmom — Thu, 07 Jan 2021 15:52:33 GMT

Congrats but keep a close eye , my DH got increases across the board with synch in November and December then end of December closed them all over 100K🙄

Mine are intact but I am not gonna ask for any increases , not sure if that triggered it or just a coincidence , but I am not rolling the dice .

Re: Synchrony CLI's pt 2

macinjosh — Thu, 07 Jan 2021 15:56:29 GMT

@Anonymous wrote:
Wow, congrats! Breaking 200k. I'm impressed.

And here I am debating whether to break 5k by bumping my $500 limit card to $1k. If it ain't broke don't fix it I suppose.

For me, having this much credit isn't because I want to spend that much and run up that much debt. In fact, spending that much isn't even a temptation at this point. It's seeing how far I can go, what my ceiling is.

Back in 2009, I lost $60k in credit because I couldn't afford to pay my bills because the economy went under. Part of it was because I was owed almost $10k by someone else, and they never paid me back. The other part was my uncontrollable spending. Then work stopped, and everything crumbled.

Re: Synchrony CLI's pt 2

macinjosh — Thu, 07 Jan 2021 15:58:00 GMT

@Jnbmom wrote:
Congrats but keep a close eye , my DH got increases across the board with synch in November and December then end of December closed them all over 100K🙄

Mine are intact but I am not gonna ask for any increases , not sure if that triggered it or just a coincidence , but I am not rolling the dice .

My cap is $40k because I have 4 Sync accounts. I don't see me going after any other Sync cards for the time being. My next targets are Amex, BofA, and Chase, so gardening is essential now.

Re: Synchrony CLI's pt 2

Anonymous — Thu, 07 Jan 2021 16:06:12 GMT

@macinjosh wrote:
@Anonymous wrote:
Wow, congrats! Breaking 200k. I'm impressed.

And here I am debating whether to break 5k by bumping my $500 limit card to $1k. If it ain't broke don't fix it I suppose.
For me, having this much credit isn't because I want to spend that much and run up that much debt. In fact, spending that much isn't even a temptation at this point. It's seeing how far I can go, what my ceiling is.

I don't trust myself to control my spending so I keep my limits low on purpose. Plus, why have it if I can't use it?

The upside is I PIF every month and haven't paid a dime in CC interest in years. I use my cards for everything I can so I can earn cash back. So my approach does work, for me anyway. I just have to watch from the sidelines as people's TCLs break 100k, 200k, and higher.

Re: Synchrony CLI's pt 2

macinjosh — Thu, 07 Jan 2021 16:10:05 GMT

@Anonymous wrote:
@macinjosh wrote:
@Anonymous wrote:
Wow, congrats! Breaking 200k. I'm impressed.

And here I am debating whether to break 5k by bumping my $500 limit card to $1k. If it ain't broke don't fix it I suppose.
For me, having this much credit isn't because I want to spend that much and run up that much debt. In fact, spending that much isn't even a temptation at this point. It's seeing how far I can go, what my ceiling is.
I don't trust myself to control my spending so I keep my limits low on purpose. Plus, why have it if I can't use it?

The upside is I PIF every month and haven't paid a dime in CC interest in years. I use my cards for everything I can so I can earn cash back. So my approach does work, for me anyway. I just have to watch from the sidelines as people's TCLs break 100k, 200k, and higher.

I don't trust myself either, but I'm learning a hard lesson because I'm an impulse buyer. Always have been. But I'm learning, and have now stopped the impulse spend.

Re: Synchrony CLI's pt 2

Adkins — Thu, 07 Jan 2021 16:29:44 GMT

Congratulations, @macinjosh!

Re: Synchrony CLI's pt 2

CreditAggie — Thu, 07 Jan 2021 16:33:16 GMT

Congratulations on your Synchrony CLIs!

Re: Synchrony CLI's pt 2

gdale6 — Thu, 07 Jan 2021 16:53:58 GMT

Not bad, grats on them all though I would stop and let all this age for awhile