topic Re: Synchrony and Ritani HELP in Credit Cards

Synchrony and Ritani HELP

Anonymous — Sat, 11 Jul 2015 17:30:04 GMT

I'm looking to get engagement ring financing. I know they use TU for their approvals. I have 641 TU. I opened a 3k cap one card bit it's not on my TU yet. I also am showing a 280/500 balance which will be updated to 500 no debt. No late or past dues ever. I'm sure my credit score will jump. I'm waiting before I apply obviously. Now, what's my chance to get a 8k limit on that card? I have 90k in income. Anyone have experience with them, and with what scores?

Re: Synchrony and Ritani HELP

Anonymous — Sat, 11 Jul 2015 18:21:07 GMT

What are your limits on other cards? Can you list them? Getting a high limit will be dependant on your current limits on card, your credit profile etc....

Re: Synchrony and Ritani HELP

Anonymous — Sat, 11 Jul 2015 18:34:03 GMT

My credit one has a 400 limit
My cone quick silver is 3k

Re: Synchrony and Ritani HELP

Anonymous — Sat, 11 Jul 2015 18:39:52 GMT

@Anonymous wrote:
My credit one has a 400 limit
My cone quick silver is 3k

Ritani's credit is issued by Synchrony and based on what you posted, I highly doubt you will be getting an 8k limit on the card. You may get approved but it will be for a lower amount.

The algorithm set in place to decide limit will not give you that high of a limit base on the info. you provided.

Re: Synchrony and Ritani HELP

Anonymous — Sat, 11 Jul 2015 19:06:05 GMT

How much would I get and how can I get higher? How about the cl button increase?

Re: Synchrony and Ritani HELP

Anonymous — Sat, 11 Jul 2015 19:07:36 GMT

And should I wait until my cr updates with my info or just apply with my TU 641 score?

Re: Synchrony and Ritani HELP

Anonymous — Sat, 11 Jul 2015 19:29:10 GMT

@Anonymous wrote:
And should I wait until my cr updates with my info or just apply with my TU 641 score?

No, wait for your credit reports to update before applying.

Re: Synchrony and Ritani HELP

Anonymous — Sat, 11 Jul 2015 19:32:54 GMT

@Anonymous wrote:
How much would I get and how can I get higher? How about the cl button increase?

How much you get is dependent on your file as I said earlier. If you get approved, it will be closer to your current limits as these these companies take into consideration an applicant't experience with a bigger limit which you don't have.

The CL button for increase can help if you get approved.... Again, it will all come down to your credit portfolio.

Re: Synchrony and Ritani HELP

Anonymous — Sat, 11 Jul 2015 19:38:46 GMT

Quick question and ty, ritani lets me use my cl instantly would I be able to use the cl button to increase the limit or do I have to wait to get the actual card? My income easily supports the payment I'm hoping here

Re: Synchrony and Ritani HELP

Anonymous — Sat, 11 Jul 2015 19:40:38 GMT

@Anonymous wrote:
Quick question and ty, ritani lets me use my cl instantly would I be able to use the cl button to increase the limit or do I have to wait to get the actual card? My income easily supports the payment I'm hoping here

Yes, you can request a CL right after creating an account without having the card in hand.

Re: Synchrony and Ritani HELP

Anonymous — Sat, 11 Jul 2015 20:00:23 GMT

I assume I make an online account using the act number? and it shows there on the main dashboard of my account ? Ty again I'm new and ignorant. Ty

Re: Synchrony and Ritani HELP

Anonymous — Sat, 11 Jul 2015 20:19:50 GMT

@Anonymous wrote:
I assume I make an online account using the act number? and it shows there on the main dashboard of my account ? Ty again I'm new and ignorant. Ty

When you get approved for the card, it will prompt you to create an account immediately. Once, the account is created you can proced to request a CLI if desired... If you apply, update the thread on results.

Re: Synchrony and Ritani HELP

Anonymous — Sat, 11 Jul 2015 20:51:58 GMT

I certainly will. Waiting for the update on my score. Hopefully next week!

Re: Synchrony and Ritani HELP

Anonymous — Sat, 11 Jul 2015 21:09:24 GMT

@Anonymous wrote:
I certainly will. Waiting for the update on my score. Hopefully next week!

Great!! Will keep fingers crossed for you...

Re: Synchrony and Ritani HELP

Anonymous — Sun, 19 Jul 2015 02:39:28 GMT

Just wanted to let you know what happened. Well my fico tu didn't go up, but my experian did! Up to 684. So I decided to go to blue nile comenity instead. Got approved for a 13k limit! Didn't need that much but I was happy and didn't have to hit the cl button. Ty!

Re: Synchrony and Ritani HELP

NichelleN — Sun, 19 Jul 2015 04:05:52 GMT

Congratulations! Congrats on the new card, new ring and new engagement!