topic Why not me Synchrony in Credit Cards

Why not me Synchrony

Tomgon1981 — Thu, 26 Mar 2015 13:00:47 GMT

I have a Walmart store card with $900 limit a Lowes card with $500 limit and a Ashley card with $1500 limit had cards a little over a year I've tried via chat and credit solutions and they keep turning me down for any kind of increase. Why can't I receive any love from synchrony like everyone else???

Re: Why not me Synchrony

Anonymous — Thu, 26 Mar 2015 13:05:05 GMT

Have tour scores improved since getting the cards? Are you carrying high balances on other cards?

Re: Why not me Synchrony

Tomgon1981 — Thu, 26 Mar 2015 13:21:38 GMT

Yeah my scores have improved some not much and my utilization is 19% on all cards I have a balance on Walmart card but Lowes and Ashley card I keep pif

Re: Why not me Synchrony

Anonymous — Thu, 26 Mar 2015 14:07:49 GMT

Synchrony is a strange beast at times. They either show you tons of LUV or none at all. When my Wal-Mart card hit 4 months, I hit the love button and went from $1200 to $1700. When my Amazon hit 4 months, I hit the button and nothing. No luck with chat either. I just paid both cards off so I'm hoping they reward me with a little lovin!

Re: Why not me Synchrony

Tomgon1981 — Thu, 26 Mar 2015 14:59:39 GMT

I'll try paying my Walmart card off then wait a few months then try

Re: Why not me Synchrony

ddemari — Thu, 26 Mar 2015 16:12:27 GMT

Synch. bank definitely is a hard nut to crack. I had the Amazon Store Card in 2012-2013. I was rebuilding then, not very many cards and I revolved a lot on the amazon card with super high apr. I only once received a $150.00 increase at the 12 month mark.

I opened up a gap card last year in March, $200 limit. I used that card every month, paid it in full always and never let a balance report. every 4 months I got increased, then in February 2015 I hit them up on chat and received a HUGE increase.

Opened an Ebay MasterCard the otherday and was approved for a $1500.00 SL. If I could do things over, I would not have opened up my Synch. bank cards when my FICO score was lower than 660. One, you are not going to get the MC/VISA versions and Two, credit solutions is not going to help you out will you have put in the time with them and shown responsible use of the card.

I am always amazed by how many people have such luck with credit solutions, its a total YMNV... Also, they do seem to have cycles throughout the year where they are GIVING. I have noticed it in the first and third quarters of the year. Keep using your cards, low utiization and they should show you some love.