topic Re: Snnchrony Bank in Credit Card Applications

Snnchrony Bank

Anonymous — Thu, 22 Oct 2015 13:14:39 GMT

Ok so both Walmart & Old Navy limits are low. I was just approved, Walmart $300 & ON $200, should I wait for the cards to come and call to try and get that amount raised? Anyone have any luck with them?? Thanks!
Kellie

Re: Snnchrony Bank

12njoy — Thu, 22 Oct 2015 13:59:13 GMT

@Anonymous wrote:
Ok so both Walmart & Old Navy limits are low. I was just approved, Walmart $300 & ON $200, should I wait for the cards to come and call to try and get that amount raised? Anyone have any luck with them?? Thanks!
Kellie

Call credit solutions no need to wait on card

Re: Snnchrony Bank

Anonymous — Thu, 22 Oct 2015 14:14:34 GMT

No luck... 😞 Oh well still happy to get my foot in the door!

Re: Snnchrony Bank

ddemari — Thu, 22 Oct 2015 17:03:56 GMT

while credit solutions does work really well, i never had sucess like I have currently until my scores went 690+ on TU.

Re: Snnchrony Bank

Creditaddict — Thu, 22 Oct 2015 17:15:31 GMT

wait 1 billing statement and then try chat online!

Re: Snnchrony Bank

CreditMagic7 — Thu, 22 Oct 2015 18:43:12 GMT

@Creditaddict wrote:
wait 1 billing statement and then try chat online!

Re: Snnchrony Bank

Anonymous — Fri, 23 Oct 2015 00:30:39 GMT

I was approved with SL of $1100 in May, used it 3 or 4 times waited about 3 months and tried hit the luv button with no success. Called credit solutions within days after I got the decline online, spoke to nice lady on other end explaining that I wanted to make a large purchase. She asked what kind of limit I wanted and told her whatever the system allows and BAM got a 6,000 limit. I couldn't believe it after I had just got declined online via luv button.

Re: Snnchrony Bank

Anonymous — Fri, 23 Oct 2015 18:05:14 GMT

Get your TU score over 650. You were a borderline approval.

Re: Snnchrony Bank

Anonymous — Fri, 23 Oct 2015 18:14:08 GMT

@CreditMagic7 wrote:
@Creditaddict wrote:
wait 1 billing statement and then try chat online!
+1

Just ONE statement? I tried to get a CLI after I got approved - no go. But I just got my first statement and PIF, it's not too soon to try again?

Also, with Sync, how many months apart do thay make you wait for new increases?

Re: Snnchrony Bank

Ron1 — Sat, 24 Oct 2015 02:07:41 GMT

You need at least 3 months to get any CLI. Sometimes, you get auto CLI.

Ron.

Re: Snnchrony Bank

NichelleN — Sat, 24 Oct 2015 02:23:34 GMT

Experiences really do vary with Credit Solutions. Within 60 days of having Amazon and Walmart my limits went from $600 to $5K and from $800 to $6K. Lowe's went from $800 to $12K before receiving the card.

On the other hand, I could *never* get a CLI using the luv button. I never tried chat.

Re: Snnchrony Bank

Ron1 — Sat, 24 Oct 2015 02:28:29 GMT

Sometimes, I got a big CLI thru chat even CLI got denied. I got denied many times. It depends on your credit history and the type of the card.

Ron.

Re: Snnchrony Bank

Anonymous — Sat, 24 Oct 2015 06:51:38 GMT

I think score does have something to do with it. Got approved for Amazon, $600. I thought it would be pretty easy to get an increase based on everything I read but so far no go. I've tried luv button and chat. My TU was 638 at the time of requests.

Re: Snnchrony Bank

Anonymous — Sat, 24 Oct 2015 17:30:19 GMT

Recently I apped for Walmart card online, instant approval 1k SL, called Credit Solutions three times for CLI, zero luck so far. My Score is in 660ish range

Re: Snnchrony Bank

Anonymous — Sun, 25 Oct 2015 04:15:16 GMT

In your case I wouldn't listen to the credit hoarders around here, and just wait until your TU score is above at least 660 if not 680. Where they are at right now, you're not going to get anywhere. My Wally account is at $400 but I'm in no position to be asking for CLIs at this point. Income and credit profile management matter as well, not just who's the easiest to get money out of.

Re: Snnchrony Bank

TekkenQQ7 — Sun, 25 Oct 2015 05:53:53 GMT

Keep chatting and don't give up

Re: Snnchrony Bank

Countingpennies — Sun, 25 Oct 2015 17:40:05 GMT

I had a CLI on my Amazon card via luv button shortly after opening the card about 2 1/2 yrs. ago. Has not worked on any of my Synch. and always denied on Chat and the few times I called CS. My scores were 650ish when I applied for most of them. Recently approved for CareCredit at $2300 called a week later and it was raised to $6k. My scores are now, recently, over 670. After success with CareCredit, I decided to call on all of them. All were raised from hundreds to $4k, $5k, 6k. When asked how much I wanted, I said $5k, (didn't want to ask for more, watching my overall available credit.) Each one either said congrats on $5k or countered with $4k or $6k.

In my situation, 670+ TU was the difference. No change in income.