topic Synchrony CLI SP/HP Question in Credit Card Applications

Synchrony CLI SP/HP Question

Anonymous — Fri, 02 Nov 2018 18:51:34 GMT

Is there any way to tell beforehand whether hitting the button will result in a SP or HP? Trying to help out utilization without opening anything new. I'm most interested in lowes & amazon.

Verbiage on the CLI form says "You may be asked to provide your annual net income if we do not have your recent information on file. Income is used to determine eligibility for a credit line increase. Subject to credit approval."

Is it just a gamble? Does it ask for permission if determined HP is necessary?

Re: Synchrony CLI SP/HP Question

AverageJoesCredit — Fri, 02 Nov 2018 19:47:37 GMT

Amazon and Lowes should be sp though on rare occasions, hp can happen

Re: Synchrony CLI SP/HP Question

Anonymous — Fri, 02 Nov 2018 20:59:16 GMT

@AverageJoesCredit wrote:
Amazon and Lowes should be sp though on rare occasions, hp can happen

and there's no defining moment in the process that would indicate either way before proceeding?

Re: Synchrony CLI SP/HP Question

AverageJoesCredit — Fri, 02 Nov 2018 21:20:10 GMT

Not really, its very rsre to be hp, i once got a hp on Ex for Amazon but that was a weird experience thus i always caution people. Just hit the luv button you should be ok.

Re: Synchrony CLI SP/HP Question

Felony_Phil — Fri, 02 Nov 2018 22:13:56 GMT

Just last week I had a 3X CLI on my Paypal 2% MC and I haven't seen a HP yet.

Re: Synchrony CLI SP/HP Question

Anonymous — Fri, 02 Nov 2018 23:11:07 GMT

weeeeelp hopefully no HP ensues because DH has no CLIs to show for it. I suppose it was worth a shot