topic Re: Amazon Synchrony store card CLI; Hard or soft pull? in Credit Card Applications

Amazon Synchrony store card CLI; Hard or soft pull?

Anonymous — Mon, 14 Feb 2022 00:36:20 GMT

Logged in to pay off balance and found a request a limit increase button.

it 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.'

I just paid off the remaining balance of $4 or so and heavily used in december(there was a promotion). approved and began to use in mid -october last year, according to stmt. consistently used and paid off early, so util is very low, around 5% or less?

my scores are below, chase credit journey experian says i have 25 inquiries lol, co creditwise says 6(TU), dunno about equifax, no info on citi online

Re: Amazon Synchrony store card CLI; Hard or soft pull?

M_Smart007 — Mon, 14 Feb 2022 00:49:41 GMT

@Anonymous wrote:
Logged in to pay off balance and found a request a limit increase button.
it 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.'

I just paid off the remaining balance of $4 or so and heavily used in december(there was a promotion). approved and began to use in mid -october last year, according to stmt. consistently used and paid off early, so util is very low, around 5% or less?
my scores are below, chase credit journey experian says i have 25 inquiries lol, co creditwise says 6(TU), dunno about equifax, no info on citi online

@Anonymous, SYNCB Amazon store card is a "SP" ....

Re: Amazon Synchrony store card CLI; Hard or soft pull?

Anonymous — Mon, 14 Feb 2022 01:21:47 GMT

Phew, thank u! Basically bought everything like Criterion DVDs in Nov. and Dec., so will sparely use it for now, but for utilization purposes. Dreading that CLI might impact further cc app. Laaaaater on lol, hence the inquiry.

Re: Amazon Synchrony store card CLI; Hard or soft pull?; approved CLI 2100 to 4000

Anonymous — Mon, 14 Feb 2022 01:40:13 GMT

We are pleased to inform you that, effective immediately,
your credit limit has been increased to $4,000.00.
Your increased credit limit is available for immediate use.

You will receive a confirmation letter in 7-10 business days.

thank u @M_Smart007 ! wasn't too greedy 😁

Re: Amazon Synchrony store card CLI; Hard or soft pull?

FinStar — Mon, 14 Feb 2022 01:45:08 GMT

@Anonymous wrote:
Phew, thank u! Basically bought everything like Criterion DVDs in Nov. and Dec., so will sparely use it for now, but for utilization purposes. Dreading that CLI might impact further cc app. Laaaaater on lol, hence the inquiry.

As far as SYNCB goes, unless you have several accounts with them and are constantly requesting CLIs (approved or denied), I could see where any internal algorithms may flag a potential next card with them (or not get the highest SL if approved). But, if you're spacing your SYNCB CLIs (or if they're infrequent) so as not to attract attention, then a future SYNCB application will likely be more influenced by your overall profile.

Re: Amazon Synchrony store card CLI; Hard or soft pull?

FinStar — Mon, 14 Feb 2022 01:46:49 GMT

And, as the OP has provided an update on their CLI, this thread is now locked and closed to new messages.