topic Re: Amazon Store Card CLI? in Credit Cards

Amazon Store Card CLI?

Anonymous — Fri, 29 May 2015 18:07:42 GMT

What is your experience with Amazon store card CLIs? I have yet to see one or receive one, granted I only opened the account back on April 2nd. Is it usually 90 days before any kind of CLI? This is my only account with Synchrony and haven't receive any love yet. I made a $350 purchase on a $600 SL, have made several $60 payments on it already since it is 0%, I'm not PIF...what kind of behavior does Synchrony typically like to see? As far as usage..

thank you in advance!

Re: Amazon Store Card CLI?

amakol — Fri, 29 May 2015 18:13:20 GMT

Opened 6/14 - $2200

Auto-CLI sometime around 9/14-10/14 (unsure) - $2500 - this reset my CLI clock and I had to wait to show "sufficient history at the new limit" before requesting again

Requested CLI 1/15 - $4000

Requested CLI 5/15 - $5000

CLI button is SP off your report from TU. Can be pressed every 4 months + 1 day. Hope this helps.

Re: Amazon Store Card CLI?

tonyjones — Fri, 29 May 2015 18:16:48 GMT

I opened my Amazon Store Card on 4/23/2015, two days ago I called Credit Solutions and asked for $5K, approved!

Re: Amazon Store Card CLI?

Anonymous — Fri, 29 May 2015 18:16:59 GMT

@bonehead88 wrote:
Opened 6/14 - $2200
Auto-CLI sometime around 9/14-10/14 (unsure) - $2500 - this reset my CLI clock and I had to wait to show "sufficient history at the new limit" before requesting again
Requested CLI 1/15 - $4000
Requested CLI 5/15 - $5000

CLI button is SP off your report from TU. Can be pressed every 4 months + 1 day. Hope this helps.

This definitely helps! Thank you...I guess I've been prematurely hitting the CLI button

I'm just eager to make a larger purchase but can't with this $600 SL. but nonetheless, happy to have this card. If Citibank didn't hate my guts (for whatever reason) I'd hit up BestBuy, as they also have really good financing options on electronics, which I am a sucker for.

Re: Amazon Store Card CLI?

B335is — Fri, 29 May 2015 20:12:10 GMT

It's better to open the chat button or call Credit Solutions instead of clicking the CLI button. Generally Synchrony is good for CLI every 4 months and it's soft pull.

Re: Amazon Store Card CLI?

Anonymous — Fri, 29 May 2015 20:25:25 GMT

I've never had luck with CLI using the button, but try Sync chat and aim high—they will counter if they can't give you what you want.

Re: Amazon Store Card CLI?

Anonymous — Fri, 29 May 2015 21:13:44 GMT

Approved 11/14 - $800

Auto Increase 1/15 - $1,000

Chat Request 3/15 - $3,500

Re: Amazon Store Card CLI?

Berk — Fri, 29 May 2015 23:18:57 GMT

@Anonymous wrote:
I've never had luck with CLI using the button, but try Sync chat and aim high—they will counter if they can't give you what you want.

Opened my card in 2010. Starting limit was 1500. 4 months later auto CLI to 4K. I tried the button every 4 months for two years and always got the instant denial and a letter telling me that the requested increase was more than they allowed. I initially asked for 2k and kept reducing it by 500 bucks. Eventually, I realized I would never get anywhere using the button. I only wanted the CLI for score purposes as I never come close to 4K a month with Amazon. I did some research on the forums and found out that i will only have success by calling Synchrony. Called them and got a CLI to 10K with a soft pull in about 15 seconds - should have asked for more.

Re: Amazon Store Card CLI?

Turbobuick — Sat, 30 May 2015 08:22:00 GMT

@Anonymous wrote:
@bonehead88 wrote:
Opened 6/14 - $2200
Auto-CLI sometime around 9/14-10/14 (unsure) - $2500 - this reset my CLI clock and I had to wait to show "sufficient history at the new limit" before requesting again
Requested CLI 1/15 - $4000
Requested CLI 5/15 - $5000

CLI button is SP off your report from TU. Can be pressed every 4 months + 1 day. Hope this helps.
This definitely helps! Thank you...I guess I've been prematurely hitting the CLI button

I'm just eager to make a larger purchase but can't with this $600 SL. but nonetheless, happy to have this card. If Citibank didn't hate my guts (for whatever reason) I'd hit up BestBuy, as they also have really good financing options on electronics, which I am a sucker for.

Have you tried loading up your shopping cart and see if they will exceed your limits? My card is limited to some low number like $1300 because that is what my TV cost 2 years ago. If my purchase would have been $4000, I believe that is what my limit would be now. I have never asked for a CLI nor has one been offered.

Re: Amazon Store Card CLI?

Anonymous — Sat, 30 May 2015 08:49:59 GMT

Call credit solutions and ask for an increase. Aim to the moon high and tell them you will accept a counter offer. It also doesn't hurt to tell them you like electronics and would like to make a large purchase and take advantage of the 0% offers. I started at a $700 limit in August, got an auto increase to $900 in november, a LUV button increase to $1,400 in April, and then called into credit solutions earlier this month and got a $4K counter offer which I accepted. I use my card nearly every month for SOMETHING so that may help but either way give them a call and see what they will do for you. It is only a SP and you may get a big increase. Also, credit solutions doesn't have to abide by the 4 month rule it appears as I just got the bump in April and then got the nearly 3X increase in May. I will be waiting for my score to increase due to several new limits and paying off some cards I've been carrying some balances on and giving them a call back again sometime in July looking for a 10K limit as I got a new motorcycle and the 0% for 6 months on purchases over $150 will come in handy as I make some improvements to it.

Re: Amazon Store Card CLI?

BusyREBuilder — Sat, 30 May 2015 16:45:03 GMT

Opened at $900 1/2015

Auto CLI to $1100 4/2015

Chat Increase (SP) to $4000 5/2015

I use mine monthly at least as well. Had a $68.00 balance when increased to 4k.

Re: Amazon Store Card CLI?

Anonymous — Tue, 02 Jun 2015 19:04:24 GMT

i just went online and did an app and got approved for $900. should i call credit solutions now and ask for more or wait the 4 months + 1 day?

Re: Amazon Store Card CLI?

Anonymous — Mon, 06 Jun 2016 23:24:23 GMT

I would recommend calling immediately to request a higher number.
With Soft Pulls, there's no harm on requesting more.

For those that are getting denials: the letter may not state the actual reason of denial.

I've been pushing the luv button every month for for 5 months ever since I opened the card, and it kept telling me "not enough experience at current credit limit."

I called today since it was getting ridiculous.
Started out with a 2.4k CL, auto increase 4 months into opening to 3.4k CL.

I have cards up to 27k CL. Turns out the actual reason was because I had my credit reports frozen.

I provided them with an access code, and got approved for the 10K CL I requested.

I'll be calling again in 6 months to request 25k (others have said it's 4 months + 1 day for Synchrony, but I usually stick to the 6 month cycle )

Re: Amazon Store Card CLI?

Anonymous — Mon, 06 Jun 2016 23:45:01 GMT

The amazon store card is just one that doesn't need a very high limit though. Kind of a waste

Re: Amazon Store Card CLI?

Creditplz — Mon, 06 Jun 2016 23:49:25 GMT

I got mine with a SL of $500 called CS before I got the card and got a 7000 bump !

Re: Amazon Store Card CLI?

Anonymous — Mon, 06 Jun 2016 23:49:41 GMT

Absolutely true, but on a different side of the same coin, it can be used to your advantage.

Having a higher credit limit will always help, not hurt, your credit score. The only exception to which might be if you are interested in another product from the same issuer, and you've already reached the max aggregate credit limit offered by the institution - Chase is known to do this, where you have to decrease one card's limit if you want to increase another.

So the goal would be to maximize the credit offered to you by each institution, while distributing it per your needs across the cards that the issuer offers.

In my case, I do not do business with Synchrony apart from the Amazon Prime store card, and do not have any interest in their other products - which seems mostly to be store cards.

For that reason, I'm going to try to get the highest credit limit I can from Synchrony with this one card.

Re: Amazon Store Card CLI?

Anonymous — Mon, 06 Jun 2016 23:51:02 GMT

Wow..! Well played! I should've done that...

Have you requested an increase since then? They only seem to do SPs!

Re: Amazon Store Card CLI?

Anonymous — Mon, 06 Jun 2016 23:52:45 GMT

Your overall exposure isn't only for that issuer but other creditors too. While computer decisions don't typically care as much, if it's manually underwritten then that can play a role in your approval limit or even being approved at all. Especially with a lot of credit unions as they're pretty conservative

Re: Amazon Store Card CLI?

Anonymous — Tue, 07 Jun 2016 00:02:19 GMT

Valid point, although I do wonder how many times one is told that their overall aggregate credit limit is too high.
Is it not a double edged sword? "Others have trusted you" vs "You have enough trust." One way or another, they're competing for your business in which case they would want to incentivise as much as they can.

Although I never had experience with credit unions, so that's really good to know.

I'm going to reconsider seeking an even higher credit limit with Amazon.. Thank you!

Re: Amazon Store Card CLI?

Anonymous — Tue, 07 Jun 2016 01:34:41 GMT

Got mine in November sl 1300, called CS right away and got 6000, tried every month after that, and was told account didn't qualify. Finally in April called CS and got 15,000. Definitely don't need anymore cli on this account.