topic Re: Synchrony CLI schedule? in Credit Card Applications

Synchrony CLI schedule?

Anonymous — Sat, 06 May 2017 00:06:37 GMT

Hi Everyone,

I was wondering how often you use chat or call CS to request CLIs from Synchrony. I just recieved 2 very nice CLIs from them this week and am very happy with them! I want to know how often or little I should request CLI from them. I don't want to abuse the system with them, but I also don't want to miss out either.

What has your experience been with Synchrony?

Re: Synchrony CLI schedule?

Creditaddict — Sat, 06 May 2017 00:11:47 GMT

@Anonymous wrote:

Hi Everyone,
I was wondering how often you use chat or call CS to request CLIs from Synchrony. I just recieved 2 very nice CLIs from them this week and am very happy with them! I want to know how often or little I should request CLI from them. I don't want to abuse the system with them, but I also don't want to miss out either.

What has your experience been with Synchrony?

Which cards?

What's old limit and new limit?

What's TU score according to them?

Re: Synchrony CLI schedule?

Anonymous — Sat, 06 May 2017 00:17:24 GMT

@Creditaddict wrote:
@Anonymous wrote:

Hi Everyone,
I was wondering how often you use chat or call CS to request CLIs from Synchrony. I just recieved 2 very nice CLIs from them this week and am very happy with them! I want to know how often or little I should request CLI from them. I don't want to abuse the system with them, but I also don't want to miss out either.

What has your experience been with Synchrony?
Which cards?
What's old limit and new limit?
What's TU score according to them?

Hi Credit Addict,

Amazon Prime- Opened 11/2016 at $800, CLI via CS 05/2017 to $4,000

Old Navy- Opened 03/2017 at $300, CLI cia Chat 05/2017 to $5,000

MyFico TU score was 676. I am not aware of a way to see what ON or Amazon shows me as for TU.

Re: Synchrony CLI schedule?

Anonymous — Sat, 06 May 2017 00:32:10 GMT

-CreditAddict

I went to both card's websites and they both show my Fico for TU at a 691. I subscribe to MyFico and my score right now is 676 there?

"Your FICO® Score 8 based on TransUnion Data was pulled on 05/05/2017.Synchrony Bank uses FICO® Scores, along with other information, to manage your account."

Re: Synchrony CLI schedule?

Anonymous — Sat, 06 May 2017 01:46:16 GMT

I went to syncbank.com/amazon but I don't see where scores are shared. What am I missing?

Re: Synchrony CLI schedule?

Anonymous — Sat, 06 May 2017 01:52:37 GMT

@Anonymous wrote:
I went to syncbank.com/amazon but I don't see where scores are shared. What am I missing?

Go to your sync account and hover over Rewards and Offers on the top right. Click "Your Fico Score"

Enroll- Just click on enroll and there is nothing else to it. Your score is immediately displayed.

Do you subscribe to MyFico? If so, are there differences in your scores?

Re: Synchrony CLI schedule?

UncleB — Sat, 06 May 2017 10:25:17 GMT

@Anonymous wrote:

Hi Everyone,
I was wondering how often you use chat or call CS to request CLIs from Synchrony. I just recieved 2 very nice CLIs from them this week and am very happy with them! I want to know how often or little I should request CLI from them. I don't want to abuse the system with them, but I also don't want to miss out either.

What has your experience been with Synchrony?

It used to be said that you could try for a CLI online every four months; any earlier would be turn down. I've not seen any recent feedback to indicate this has changed, and in any case it's generally a SP with most of Synchrony's store cards so there's little harm in trying. (Note that there are some exceptions, but for accounts such as Wal-Mart, Sam's Club, Amazon, Lowe's, and the other run-of-the-mill Synch cards it's almost always a SP).

As for Credit Solutions, you can call them anytime regardless of your last CLI. Do keep in mind, though, the Synchrony blue envelope drama from a few months ago. As long as you don't have a dozen new Synchrony accounts all with large credit lines you'll likely be OK, though (plus, I've not read of any 'blue envelopes' being received lately).

Credit Solutions has several different numbers; my personal favorite is the foreign call center: 877-379-8173. When you call, they'll place you on hold for a couple of minutes to do a SP on your TU report. Also note that they are generally "all-business"... they don't ask (and don't care) why you want/need a CLI; they just ask the necessary questions to either approve the CLI, give you a counter-offer, or deny it.

Finally, keep in mind the closer to 700 your TU the better your chances will be, although people with sub-700 scores have reported success as well (again, keep in mind that they will counter-offer!)

Good luck, and let us know how it goes!

Re: Synchrony CLI schedule?

Anonymous — Sun, 07 May 2017 20:30:14 GMT

I got Amazon prime with SL $2300
After receiving the card I asked for 25K CLI
I was instantly approved my TU is 760

Re: Synchrony CLI schedule?

Anonymous — Sun, 07 May 2017 22:37:58 GMT

I tried a CLI online for my Amazon Store Card and via Synchrony's CS in late March but was denied; I may try again later this month but am not sure of my chances of success with my TU score being 624 (I had expected it to come up after my Penfed car loan begain reporting but my Amazon card went up over 30% util because it got hit with a $99.99 annual charge from Prime which I'd misfigured - I thought it'd be charged on a monthly basis, not as a lump sum, but I obviously read the terms wrong). Does Synchrony ever give increases on CL's under circumstances other than the customers' requesting them via CLI?

Re: Synchrony CLI schedule?

Anonymous — Sun, 07 May 2017 22:49:19 GMT

@Anonymous wrote:
I tried a CLI online for my Amazon Store Card and via Synchrony's CS in late March but was denied; I may try again later this month but am not sure of my chances of success with my TU score being 624 (I had expected it to come up after my Penfed car loan begain reporting but my Amazon card went up over 30% util because it got hit with a $99.99 annual charge from Prime which I'd misfigured - I thought it'd be charged on a monthly basis, not as a lump sum, but I obviously read the terms wrong). Does Synchrony ever give increases on CL's under circumstances other than the customers' requesting them via CLI?

Hi Joe.

I'm not sure. Hopefully, someone who's had their card for a while will know.

Re: Synchrony CLI schedule?

Meanmchine — Tue, 09 May 2017 02:08:46 GMT

For Amazon ( and probably ON also ) go to your summary page and click Rewards and Offers and then Your Fico Score. Its Fico8 scoring I believe

Re: Synchrony CLI schedule?

MrsCHX — Tue, 09 May 2017 12:19:36 GMT

It doesn't seem like there's a time schedule so much anymore. More like TU 650+ gets you to around $4,000, 680+ gets you $6,000 and 700+ can get you to $10k depending.

I would caution you to get what you need with Synchrony rather than just try to get all of your limits high. Synch does impose an internal limit and while it's rather high ($100k I think), Synch can be sensitive to exposure.

Personally, my AE card is at $3,500. I won't ask for another CLI on that one because I don't need it. I just got Marvel to $5k and want to get that to $10-15k and Care Credit to $15-20k (it's currently at $7k). I have $5k on Amazon and $6k on Walmart and may take those a little higher when I'm back over 700. I want to get TJ Maxx to $6k though (currently at $4k).

The good thing is, it's pretty much always a SP; even with Care Credit lately (for most of us!). Calling Credit Solutions ensures a fresh SP is used. Going online will depend on the last time they pulled you.

Re: Synchrony CLI schedule?

Anonymous — Mon, 15 May 2017 00:09:04 GMT

Is there a minimum time of having the cards to request a CLI via online or credit solutions?

Re: Synchrony CLI schedule?

Anonymous — Mon, 15 May 2017 15:49:20 GMT

@Anonymous wrote:
Is there a minimum time of having the cards to request a CLI via online or credit solutions?

There is but not sure what it is. It also seems to depend on the card. Some I can get CLIs quicker than others. Otherwise I get "insufficient experience at current credit limit". Amazon and Google seem to take a lot of patience (3+ months). But not JCP/Lowes.

Re: Synchrony CLI schedule?

MrsCHX — Mon, 15 May 2017 18:02:11 GMT

@Anonymous wrote:
@Anonymous wrote:
Is there a minimum time of having the cards to request a CLI via online or credit solutions?
There is but not sure what it is. It also seems to depend on the card. Some I can get CLIs quicker than others. Otherwise I get "insufficient experience at current credit limit". Amazon and Google seem to take a lot of patience (3+ months). But not JCP/Lowes.

Agree with this. I had Amazon for 9 months, TJ Maxx and Walmart for 8 months before I got anything. Others were much closer to 3-4 months after opening.

My starting limits were low and scores around 620 at approval.

Re: Synchrony CLI schedule?

creditmonger — Tue, 16 May 2017 18:51:38 GMT

I called CS for a CLI immediately after being approved on line for a Marvel card that netted an extra 2K to the limit.

Re: Synchrony CLI schedule?

Anonymous — Tue, 23 May 2017 04:26:18 GMT

Here's my experience with Sync so far:

Amazon - applied 3/25/17 - SL $1500 - CLI 5/17/17 - Requested $5000, approved for $5000

Newegg - applied 4/05/17 - SL $800 - CLI 5/18/17 - Requested $5000, approved for $4000

Both CLI requests were made via the back door number on different days.

TU in the 690s at the time.

Re: Synchrony CLI schedule?

Anonymous — Tue, 23 May 2017 11:35:43 GMT

@MrsCHX wrote:
@Anonymous wrote:
@Anonymous wrote:
Is there a minimum time of having the cards to request a CLI via online or credit solutions?
There is but not sure what it is. It also seems to depend on the card. Some I can get CLIs quicker than others. Otherwise I get "insufficient experience at current credit limit". Amazon and Google seem to take a lot of patience (3+ months). But not JCP/Lowes.
Agree with this. I had Amazon for 9 months, TJ Maxx and Walmart for 8 months before I got anything. Others were much closer to 3-4 months after opening.

My starting limits were low and scores around 620 at approval.

When I posted earlier, my TU score had dipped down to 624, but a few days later it bounced back up to 640. It's been two months since my last CLI attempt on my Amazon store card and my next payment is posting today, so I think I'll give it another go this week. I've had this card for just about 6 months now, so going by what you say, if I don't get it this time, I should probably try again in July or August by which time my scores should be higher due to, among other things, my new Overstock card boosting available credit and depressing overall utilization.

A somewhat related question just popped into my head, in fact; does Synchrony ever raise limits on their cards - Amazon or otherwise - on their own a la Capital One's Credit Steps?

Re: Synchrony CLI schedule?

Anonymous — Wed, 24 May 2017 03:20:39 GMT

I have several Synchrony Bank store cards and 1 main credit card which is PayPal mastercard extras. I've requested a CLI every 3 to 6 months and I've gotten approved almost every single time. I've received about 5 CLI increased within a 1 1/2 year and majority of them have been 3K. They are very flexible but obviously depending on your credit history and other factors. My scenario might not apply to other and vice versa.

Re: Synchrony CLI schedule?

Anonymous — Wed, 24 May 2017 12:46:21 GMT

Tried the CLI button at my Amazon store card account again today (2 months after the first attempt), got another 7-10 day (denial) message. *sigh* Does Synchrony ever increase CL's without prompting on the part of the customer?