topic Re: Max CLI for Amazon Store Card in Credit Card Applications

Max CLI for Amazon Store Card

Jazee — Sun, 15 Sep 2024 19:16:30 GMT

6 months after opening an Amazon Store Card about 4 years ago, they upped my credit line to $10K.

I have no inquiries in last 2 years or new accounts, scores in the low to mid 700's but hight total UTI 55% with one card at 95% Amazon is at 3%. Higher income now than when I got last CLI but the higher UTI probably offsets that.

I'm curious if they even go higher than $10K for the Amazon Store Card? And also curious if CLIs can backfire and result in a CLI decrease

Re: Max CLI for Amazon Store Card

NAVYCHOP — Sun, 15 Sep 2024 20:13:09 GMT

I have seen others on this forum state that 10k is the max CL for the store card. Currently my CL is at $10k. Every six months when I have applied for a CLI, they gave me some reason for a denial even though my FICO 8s are in low 800s and I have about 1 percent overall utilization. However, Synchrony never stated I was at maximum level, their turn downs were always things like too many inquiries (I had 2 over 24 months) or too many trade lines with balances when they were all very low figures. At this point I'll leave the Amazon card as-is and not bother further with them.

Re: Max CLI for Amazon Store Card

Jazee — Mon, 16 Sep 2024 19:20:12 GMT

This was my gut. And I've never pushed it over $1500 or financed big ticket items so if I were in their shoes I'd be like "raising his limit isn't going to make us any more money."

Re: Max CLI for Amazon Store Card

RickNATL — Thu, 19 Sep 2024 22:08:21 GMT

I am at 25K. Anything more, call in.

Re: Max CLI for Amazon Store Card

NoMoreE46 — Thu, 19 Sep 2024 22:18:45 GMT

Hey @RickNATL ,

It would be great if you would share your growth on this as very few seem to > $10,000.

Did you go from $10,000 to $25,000?

Was it a SP?

@RickNATL wrote:
I am at 25K. Anything more, call in.

Re: Max CLI for Amazon Store Card

Jazee — Thu, 26 Sep 2024 22:22:36 GMT

Yes, this is rare I've heard of anything over $10K.

What I'm curious about is there any difference in chance of approval if you ask for $10K limit increase to $20K versus $2,500 increase to $12,500 - would they just approve you for $2,500 more on the $10K increase request or do they just approve or dissaprove whatever you request?

The other thing I'm concerned about is my total UTI is much higher than when I got the card which was like 10% and now 55% but not on the Amazon card, it's like 5% just on a long term finance item. Would the CLI request possibly get my limit knocked down by triggering the account review? That would be a bummer.

Re: Max CLI for Amazon Store Card

RickNATL — Sat, 19 Oct 2024 03:51:10 GMT

$25k is the limit on the card when.pushing for CLIs online. You can call in for higher. They will request POI.

Re: Max CLI for Amazon Store Card

RickNATL — Sat, 19 Oct 2024 03:55:18 GMT

I spent, PIF, and requested CLI every few months. When I attempted higher than $25K, I received a letter saying they didn't offer higher. I called in and the agent said she could submit it for me but POI would be needed. I was asking for $5K bump to $30K.

Re: Max CLI for Amazon Store Card

NoMoreE46 — Wed, 23 Oct 2024 01:30:28 GMT

Thanks - having an Amazon Store card with over a $10,000 CL isn't common.

@RickNATL wrote:
I spent, PIF, and requested CLI every few months. When I attempted higher than $25K, I received a letter saying they didn't offer higher. I called in and the agent said she could submit it for me but POI would be needed. I was asking for $5K bump to $30K.

Re: Max CLI for Amazon Store Card

Berk — Fri, 08 Nov 2024 20:58:05 GMT

I have been at 10K for years myself. Had the Prime card since it was first introduced in 2015. Finally gave up trying to get an increase. I never come close to 30% utilization in a month so I'm not really worried about it anymore.

Re: Max CLI for Amazon Store Card

Jazee — Sat, 09 Nov 2024 19:48:07 GMT

Generally seems most people here are not asking for CLIs because they need the credit to use but trying to lower total UTI and/or just playing the game of how much total credit can I amass as sort of a badge of honor.

Re: Max CLI for Amazon Store Card

FreshLettice — Sat, 21 Dec 2024 04:42:15 GMT

they will deny you because your grammer makes no sense.

Re: Max CLI for Amazon Store Card

youngandcreditwrthy — Wed, 25 Dec 2024 18:36:03 GMT

Hey @Jazee back in 2015 I had 25K on my Amazon card. I wound up with 100k in what then, when GE Capital cards (now spun off the syncB)

around that time, they began engaging in fraud prevention tactics (smart move tbh) and they shut down all my accounts because I had met that 100k total threshold amongst all my GECRB (syncB) cards.

I verified myself and got to keep my cards but wound up closing some (like the 15k lowe's) keeping others like the $25k Paypal Extras MC(now just paypal MC).

I paid off 150k or so of debt, my scores tanked and I didn't use credit for about 7 years. my 10k amazon store card got closed because I stoppped using it.

I re opened last year with 1000 CL and I PIF every month (im at whole foods every day so might as well get 5% off) and recently they bumped me up to 3k. I will still pif no matter what.

so, it's possibly to still go up to 25k I think.

Re: Max CLI for Amazon Store Card

youngandcreditwrthy — Wed, 25 Dec 2024 18:37:54 GMT

@Jazee

your backfire question depends... have you opened more than two accounts recently? did you try to open 5 or more syncb accounts within a month?

are you constantly taking hard pulls and opening new accounts. If not, then you should be fine. Ask for the CLI. it's a soft pull and you should qualify. once your 680+, SyncB will just about give you their best as long as you remain in control.