topic Re: Why won't Sams credit show me any love??? in Credit Card Applications

Why won't Sams credit show me any love???

Anonymous — Sat, 26 Aug 2017 14:39:51 GMT

So, my account has been open for well over 6 months with them..... I have a number of other synchrony accounts with MUCH higher SL. Yet, whenever I ask for a limit increase, I get shut down! My utilization is down, although I don't pay it in full every month, even though I could. But still. I don't pay most of my cards in full monthly. Is it me?? Does anyone else have any similar experiences?? Am I just destined to stay at this measly $637 SL forever??? 😩😩. FYI my fico score is 680. BK7 D/C 12/11/15. Decent mix of credit (Amazon, NFCU, Old Navy, Lowes, car loan, and a few other store cards) idk what I'm doing wrong with them. I would like to use them more, but they are kind of irritating me. Lol!

Re: Why won't Sams credit show me any love???

Anonymous — Sat, 26 Aug 2017 16:52:55 GMT

I hear ya. I'm having same issue with my Walmart Store card. Got SL of 600 in december, tried many approaches - paid in full, let balance carry etc. Have tried the luv button and chat method to no prevail. My scores are 610's to 640 depending on cra. This however is my only Synch card. I've used the crap out of this card too. So like yourself i have been dissappointed and hoping any future CLI with be worth the past aggravation.

Re: Why won't Sams credit show me any love???

Loquat — Sat, 26 Aug 2017 19:13:57 GMT

Something to remember is that Synchrony increases are usually closed tied to your Transunion credit score...the higher usually the better result. I know you mentioned your score in your post but didn't specially say from report it's from. I would work on getting your utilization down and your Transunion score up and you should start making some progress in way of increase with Synchrony. Good luck!

Re: Why won't Sams credit show me any love???

Anonymous — Sun, 27 Aug 2017 18:54:59 GMT

How much do you spend at Sams a month? I've seen good increases on mine in the last year. I spend about $300-$500 a month there.

Re: Why won't Sams credit show me any love???

AverageJoesCredit — Sun, 27 Aug 2017 20:52:28 GMT

Some Sync cards are easier to grow than others. A bk discharged only 18 months ago can still adversely affect your cli increases regardless if youve gotten the card with bk reporting. . If you see no movement yet on Sams i would just give it more time. You may get some auto , you may not. Try the luv button once inawhile then try calling CS . Give it a try every couple of months. Many of us start with low cl but work our way up with some time and patience, and some spend of course

Re: Why won't Sams credit show me any love???

Anonymous — Mon, 28 Aug 2017 00:07:14 GMT

I guess I don't spend a ton specifically at sams every month. I'm just going to give them some time. Thanks all. 😊

Re: Why won't Sams credit show me any love???

Anonymous — Mon, 28 Aug 2017 06:42:45 GMT

It seems like some Sync accounts are better than others. I didn't have a problem growing my Care Credit, but I've found that the gas cards I have with them and some of the other retail cards didn't grow as quickly.

I would just keep using it and paying it off. Eventually you will get some kind of auto CLI or what I seem to always have good luck with is just calling the number and going through robo lady for the increase and always ask for a high number cause it will counter you if approved for any CLI.

Re: Why won't Sams credit show me any love???

AverageJoesCredit — Mon, 28 Aug 2017 13:51:06 GMT

I might spend a couple hundred every 3 or months. Cant spend too much but it seems sufficient. I dtarted at 737 now at 10k if that helps

Re: Why won't Sams credit show me any love???

Anonymous — Tue, 29 Aug 2017 15:03:37 GMT

Sams was my last card before garden with 700 SL. Got offer in store and was soft pull. I haven't yet asked for CLI the LUV button isn't showing and also haven't yet asked over chat because I had an old medical bill hit my TU/EQ start of april and my score dropped to 650. My only negative on my reports. I have sync Amazon that went 700 SL to 6000 in 60 days, sync Walmart 700 SL to 4000 in 60 days, sync lowes that went 300 SL to 12,000 day I got card. My TU score was 686-700 when I got those increases.

After that collection account hit I paid all my balances down to $0 except for walmart I paid it down from $1400 balance to $650. Hoping to avoid any AA from Syncrony over that stupid medical bill I can't afford to pay in full until Feb... but collector agreed to full payment for delete.

Re: Why won't Sams credit show me any love???

Scupra — Tue, 29 Aug 2017 18:33:59 GMT

Try again once you break the 700 mark I think it is the fairly new BK and score

Re: Why won't Sams credit show me any love???

Anonymous — Tue, 29 Aug 2017 18:46:54 GMT

Thanks scupra