topic Re: Think I may have just had a don't pull the trigger warning from Synchrony in Credit Card Applications

Think I may have just had a don't pull the trigger warning from Synchrony

bldmt — Sat, 07 Nov 2015 02:27:11 GMT

Just went to chat on my Sam's Club for a CLI and here is how it went.

8:55:34 PM : Scott: Initial Question/Comment: I was wondering if I could apply for a credit line increase for the upcoming holidays

8:55:39 PM : System: Welcome to Sam's Club Consumer Credit Card Live Chat. Your chat may be monitored and recorded for quality purposes. A chat agent will be with you momentarily.

8:59:40 PM : System: Sheryl has joined this session!

8:59:40 PM : System: Connected with Sheryl. Your Reference Number for this chat is

8:59:55 PM : Sheryl: Hello Scott. Thank you for contacting us today. I would be happy to assist with your inquiry.

9:00:04 PM : Sheryl: Thank you for your patience. Please be advised that you can request a credit line increase online by clicking the button on the Account Summary page or by selecting "Credit Line Increase" option from the Account Services tab. From there, follow the instructions given to complete your request.

9:00:19 PM : Sheryl: I can also process the request for you. Would you like to proceed?

9:00:51 PM : Scott: I thought I could do it here.

9:01:03 PM : Scott: Yes please

9:02:01 PM : Sheryl: Please be advised that your request for a credit line increase may result in an inquiry on your credit bureau; however, some requests are determined using only internal factors on your account and may not result in an inquiry on your credit bureau.

9:03:06 PM : Scott: I was not aware that it would be an inquiry

9:03:44 PM : Sheryl: We are unable to determine with certainty whether or not there will be an inquiry when processing a credit line increase request. This is due to the “internal factors” as stated in the answer above.

9:03:49 PM : Sheryl: I suggest that you contact the major credit reporting agencies for this matter. ?????

9:04:52 PM : Sheryl: Would you still like to proceed with the request?

I declined the "proceed". Anyone else run into this?

Re: Think I may have just had a don't pull the trigger warning from Synchrony

willwar14 — Sat, 07 Nov 2015 02:31:53 GMT

Its always a SP with Sync, except Care Credit which is a HP.

Re: Think I may have just had a don't pull the trigger warning from Synchrony

bldmt — Sat, 07 Nov 2015 02:40:13 GMT

That's what I thought. My previous requests went right to how much, and what is your net income and they made an offer.

Re: Think I may have just had a don't pull the trigger warning from Synchrony

willwar14 — Sat, 07 Nov 2015 02:41:23 GMT

Ive had it where they have told there would be a INQ, and all that stuff, its always a SP.

Re: Think I may have just had a don't pull the trigger warning from Synchrony

ddemari — Sat, 07 Nov 2015 02:43:03 GMT

that is some new wording from them though. i have never heard them say it may result in an inquiry on your credit report, that is new!

usually they say something, please be aware this approval is contingent based on your credit report. not that they are going to pull an inquiry. id close that chat and ask another rep.

just say help with credit limit increase. dont give them too much of why or anything, just for your own sake and quickness.

Re: Think I may have just had a don't pull the trigger warning from Synchrony

bldmt — Sat, 07 Nov 2015 02:51:19 GMT

Thanks willwar, and dd. Spooked me a little bit when I saw it. All is not lost though, got a $4K Cli from BoA tonight!

Re: Think I may have just had a don't pull the trigger warning from Synchrony

Anonymous — Sat, 07 Nov 2015 02:58:10 GMT

@ddemari wrote:

just say help with credit limit increase. dont give them too much of why or anything, just for your own sake and quickness.

+1. Most chat reps don't know anything about HP and SP and Synchrony is always a SP (except for Care Credit, as another poster noted above).

Re: Think I may have just had a don't pull the trigger warning from Synchrony

willwar14 — Sat, 07 Nov 2015 02:58:56 GMT

I got a little spooked when ive had reps say that, ive had them say that on chat and calling credit solutions, always a SP.