topic Re: has anyone tried swapping limits on synchrony backed cards? in Credit Cards

has anyone tried swapping limits on synchrony backed cards?

jcstarkey8826 — Sat, 19 Sep 2015 01:47:00 GMT

I recently opened a lowes account since we shop there all the time working on our new home... the constant 5% savings will be nice. When I got approved, it was only for $800... which is basically a waste, because that wont even cover most costs of the constant work I'm doing to my house. I'll have to make multiple payments and buy little by little to get the discount.

I have one other synchrony backed wal mart card with a $6300 limit and no balance, I was wondering if they would close that card and put the limit on my new lowes account since I dont even use the wal mart card?

anyone ever tried this?

Re: has anyone tried swapping limits on synchrony backed cards?

Anonymous — Sat, 19 Sep 2015 01:53:58 GMT

This guy has got better odds. Why not call them?

Re: has anyone tried swapping limits on synchrony backed cards?

Anonymous — Sat, 19 Sep 2015 02:01:18 GMT

@jcstarkey8826 wrote:
I recently opened a lowes account since we shop there all the time working on our new home... the constant 5% savings will be nice. When I got approved, it was only for $800... which is basically a waste, because that wont even cover most costs of the constant work I'm doing to my house. I'll have to make multiple payments and buy little by little to get the discount.

I have one other synchrony backed wal mart card with a $6300 limit and no balance, I was wondering if they would close that card and put the limit on my new lowes account since I dont even use the wal mart card?

anyone ever tried this?

Chat with credit solutions and see if they will bump you up. Lots of $17k plus Lowes accounts here.

Re: has anyone tried swapping limits on synchrony backed cards?

pizza1 — Sat, 19 Sep 2015 02:15:57 GMT

this answer is no..period... they won't do that.

Re: has anyone tried swapping limits on synchrony backed cards?

gdale6 — Sat, 19 Sep 2015 02:19:41 GMT

@pizza1 wrote:
this answer is no..period... they won't do that.

Agreed

Re: has anyone tried swapping limits on synchrony backed cards?

UncleB — Sat, 19 Sep 2015 04:04:22 GMT

I imagine Synchrony's retail partners would be rather upset if Synchrony were to start arbitrarily moving CLs from one retail account to another.

That being said, just give Lowe's (Synchrony Credit Solutions) a call. Lots of folks have found them to be quite accommodating, even for new accounts.

Re: has anyone tried swapping limits on synchrony backed cards?

ddemari — Sat, 19 Sep 2015 05:12:45 GMT

No period is right

Re: has anyone tried swapping limits on synchrony backed cards?

elim — Sat, 19 Sep 2015 05:24:29 GMT

call now, ask for 25k for kitchen remodel (or whatever you are doing), report back in 7 or 8 minutes.

Credit Solutions 877-379-8173

Re: has anyone tried swapping limits on synchrony backed cards?

Anonymous — Sat, 19 Sep 2015 06:47:32 GMT

+1 for calling Credit Solutions. I am one of the $17K Lowes cardholders. Started out in November of 2014 with a paltry $300SL, Feb of 2015 a call to CS bumped it up to $6500 (asked for $10K). Called again in April of 2015, bumped again to $12K after asking for $15K. And finally here in June of 2015, I asked for $25K and was bumped to $17K. The CSR's at Credit Solutions are always very nice, and being in India (or wherever they are) they really don't care what your reason for asking for a CLI is. Just call up, shoot for the moon, and you'll either get it, they will counter, or just flat decline.

Re: has anyone tried swapping limits on synchrony backed cards?

coldnmn — Sat, 19 Sep 2015 11:39:34 GMT

As others said call credit solutions from backdoor numbers ask for a $25k CLI. they will counter should be a SP. Good Luck!

http://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/m-p/408066

Re: has anyone tried swapping limits on synchrony backed cards?

Anonymous — Sat, 19 Sep 2015 12:12:47 GMT

Did you call yet?

Re: has anyone tried swapping limits on synchrony backed cards?

masscredit — Sat, 19 Sep 2015 18:18:03 GMT

Subscribing to see what happens.

Re: has anyone tried swapping limits on synchrony backed cards?

taxi818 — Sat, 19 Sep 2015 19:09:23 GMT

Just even a tiny tiny bit of research here at myfico would reveal that lowes is easy card to get high limit on. Sorry you did not know op. Call as suggested. And as said. No they will not swap. Same bank Different companys. Not like say a Chase freedom and a Chase Sapphire. Same bank and brand. So easy to do.