topic Re: Synchrony CLI Denied in Credit Card Applications

Synchrony CLI Denied

Jmbamman — Sun, 31 Mar 2019 04:44:41 GMT

Synchrony yas applied the brakes on me. I only have 2 accounts with then as indicated in my siggy. 8k Sams and 15k Carecredit. It's been a while since I've gotten a cli and was declined for both. I asked for Sams a month or so ago and asked Carecredit last night. Oh well, don't really need the cli but I want it. I'm getting itchy in the garden haha.

Re: Synchrony CLI Denied

UncleB — Sun, 31 Mar 2019 04:49:33 GMT

Hi @Jmbamman, I'm sorry to hear about your CLI denials.

Quick note... I've updated the title of your thread to be "Synchrony CLI Denied" rather than "Synchrony Shutdown", since around here a 'shutdown' is when all your cards are closed by the issuer, which unfortunately happens from time-to-time with Synchrony.

With the edited title you'll have a better chance of getting input on your issue rather than repeated posts about account closures.

Re: Synchrony CLI Denied

Jmbamman — Sun, 31 Mar 2019 04:55:43 GMT

Oops didn't think about that. Thanks

Re: Synchrony CLI Denied

LittleSal — Sun, 31 Mar 2019 21:51:38 GMT

You must have hit your sync internal max limit.

Re: Synchrony CLI Denied

Jmbamman — Mon, 01 Apr 2019 01:20:09 GMT

@LittleSal wrote:
You must have hit your sync internal max limit.

If this is is the case, do you think i would get declined for a new account?

I've been thinking about the Lowes card.

Re: Synchrony CLI Denied

LittleSal — Mon, 01 Apr 2019 01:34:55 GMT

You may want to wait and let your internal limit grow.

Re: Synchrony CLI Denied

Anonymous — Mon, 01 Apr 2019 03:10:22 GMT

I would be shocked if the OP hit their internal limit... there’s a difference between hitting the limit on one card and having more available to you on another card. To a pretty decent extent it seems like Sync counts each account with its own exposure maximum.

Re: Synchrony CLI Denied

Jmbamman — Fri, 05 Apr 2019 07:50:46 GMT

Denial letter came I the mail,

Only reason listed:

Too many recent credit limit increases.

Re: Synchrony CLI Denied

Anonymous — Fri, 05 Apr 2019 10:57:33 GMT

Just let it lie and maybe try again in six months. That seems to generally be considered a reasonable amount of time to wait.

Re: Synchrony CLI Denied

Anonymous — Fri, 05 Apr 2019 14:47:11 GMT

@Jmbamman wrote:
Denial letter came I the mail,

Only reason listed:

Too many recent credit limit increases.

Too many recent credit limit increases or too many recent credit limit increase requests? Because I got the latter after I tried to double dip my CLI early last month so I’m just gonna try again in May.

Re: Synchrony CLI Denied

Anonymous — Fri, 05 Apr 2019 15:21:03 GMT

I feel your pain. Synchrony denied me on my JCP ($7200 CL) and WM ($6K CL) over the past two days. Must admit not a lot of usage on either. Throw in the waiting in the Garden is getting harder. 13 months and 10 days to go!