topic Re: why on earth do i keep getting denied a cli ,walmart in Credit Card Applications

why on earth do i keep getting denied a cli ,walmart

Anonymous — Tue, 18 Jun 2019 02:23:14 GMT

Re: why on earth do i keep getting denied a cli ,walmart

Jnbmom — Tue, 18 Jun 2019 02:24:30 GMT

How long have you had the card? With ours we didn't not get one until 4 months had passed.

Re: why on earth do i keep getting denied a cli ,walmart

Anonymous — Tue, 18 Jun 2019 02:26:08 GMT

limit is 200 started with a 622 now 753 does not compute to me .

Re: why on earth do i keep getting denied a cli ,walmart

DebtJoe — Tue, 18 Jun 2019 02:28:11 GMT

Need more data points. Are all your current cards maxed or have a high utilization?

Your sig also says you have 50 inquiries between your three reports. If this is true, you are seeking way too much new credit, and that's gonna spook just about everyone.

Re: why on earth do i keep getting denied a cli ,walmart

Anonymous — Tue, 18 Jun 2019 02:38:34 GMT

OP, posting your FICO score does little good. Listing out as much profile data as possible about yourself is much more meaningful.

I wouldn't even put FICO score in the top 5 reasons of why a creditor would give out a CLI.

There are people out there with perfect 850 credit scores that can't get CLIs; FICO score in and of itself means very little.

Re: why on earth do i keep getting denied a cli ,walmart

Anonymous — Tue, 18 Jun 2019 02:40:24 GMT

all cards 0 bal except cash rewards bbt its 2000/8000 because of balance transfer i did to help my mom out with

. 18 inquirys on tu but if they hurt to bad looks like they would hurt my score.

Re: why on earth do i keep getting denied a cli ,walmart

Brian_Earl_Spilner — Tue, 18 Jun 2019 02:40:35 GMT

Have you been shopping at Target on the side? Maybe getting a little Costco action?

Sync can be a little funny. They might be holding back as the change over is right around the corner. You should probably call the overseas number.

Re: why on earth do i keep getting denied a cli ,walmart

Anonymous — Tue, 18 Jun 2019 02:41:48 GMT

Yeah, those inquiries aren’t doing you any favors.

For some, Sync is a hard nut to crack and very mysterious with their ways.

Re: why on earth do i keep getting denied a cli ,walmart

Brian_Earl_Spilner — Tue, 18 Jun 2019 02:41:53 GMT

@Anonymous wrote:
all cards 0 bal except cash rewards bbt its 2000/8000 because of balance transfer i did to help my mom out with
. 18 inquirys on tu but if they hurt to bad looks like they would hurt my score.

After you get to a certain point, the inquiries stop hurting you. 9 was where I stopped getting dinged.

Re: why on earth do i keep getting denied a cli ,walmart

Anonymous — Tue, 18 Jun 2019 02:42:17 GMT

@Jnbmom wrote:
How long have you had the card? With ours we didn't not get one until 4 months had passed.

4th statement cutting soon around the 23rd i think

Re: why on earth do i keep getting denied a cli ,walmart

Anonymous — Tue, 18 Jun 2019 02:46:08 GMT

@Brian_Earl_Spilner wrote:
Have you been shopping at Target on the side? Maybe getting a little Costco action?

Sync can be a little funny. They might be holding back as the change over is right around the corner. You should probably call the overseas number.

no walmart only synch card i have . yes overseas is whos turning me down it just confusing lol

Re: why on earth do i keep getting denied a cli ,walmart

Anonymous — Tue, 18 Jun 2019 02:49:54 GMT

i was just trying to get a boost before cap i took over

Re: why on earth do i keep getting denied a cli ,walmart

HighAchiever — Tue, 18 Jun 2019 02:53:24 GMT

Here's some numbers for you to try... good luck!

Synchrony: 866-519-6441 (Credit Analyst/Credit Solutions)

Synchrony Credit Solutions: 877-379-8173 (Overseas)

Synchrony: (except WalMart): 866-419-4096

Re: why on earth do i keep getting denied a cli ,walmart

Anonymous — Tue, 18 Jun 2019 02:53:31 GMT

thank you

Re: why on earth do i keep getting denied a cli ,walmart

HighAchiever — Tue, 18 Jun 2019 02:55:15 GMT

No problem... try waiting a day or two after the statement cuts...

Re: why on earth do i keep getting denied a cli ,walmart

Jnbmom — Tue, 18 Jun 2019 02:57:43 GMT

@Anonymous wrote:
@Jnbmom wrote:
How long have you had the card? With ours we didn't not get one until 4 months had passed.
4th statement cutting soon around the 23rd i think

Yes wait til after your fourth statement, then request a CLI @Anonymous

Re: why on earth do i keep getting denied a cli ,walmart

Anonymous — Tue, 18 Jun 2019 02:57:56 GMT

yes thats what im going to do .i guess i didnt research it enough glad you guys told me about the 4 month wait.

Re: why on earth do i keep getting denied a cli ,walmart

Anonymous — Tue, 18 Jun 2019 02:59:22 GMT

@Jnbmom wrote:
@Anonymous wrote:
@Jnbmom wrote:
How long have you had the card? With ours we didn't not get one until 4 months had passed.
4th statement cutting soon around the 23rd i think
Yes wait til after your fourth statement, then request a CLI @Anonymous

im going to . thanks jnbmom

Re: why on earth do i keep getting denied a cli ,walmart

Shooting-For-800 — Tue, 18 Jun 2019 09:14:48 GMT

@Anonymous wrote:
all cards 0 bal except cash rewards bbt its 2000/8000 because of balance transfer i did to help my mom out with
. 18 inquirys on tu but if they hurt to bad looks like they would hurt my score.

Just because your inquiries did not affect your score more does not mean it is not a red flag for lenders. They get your info not just your score.

Re: why on earth do i keep getting denied a cli ,walmart

CreditInspired — Tue, 18 Jun 2019 10:01:21 GMT

@Anonymous wrote:
all cards 0 bal except cash rewards bbt its 2000/8000 because of balance transfer i did to help my mom out with
. 18 inquirys on tu but if they hurt to bad looks like they would hurt my score.

It’s the credit-seeking behavior that’s spooking lenders.