topic Re: No More Synchrony Bank Luv???? in Credit Cards

No More Synchrony Bank Luv????

Anonymous — Mon, 12 Oct 2015 00:19:37 GMT

All of my Synchrony bank store cards (Lowes, Walmart, Sams Club, Amazon, etc) will not allow CLI on them. It has been over 6 months since my CLI to 5K on all cards via chat. Each time I hit the luv button on all accounts I get the message "we are sorry we cannot authorize a credit limit increase on this account" message immediately. What is up with Synchrony Bank? I've made more than the minimum payments and my util is low. What gives?? My scores are all >650. Mmmmm..... I have tried again via chat as well with no luck.

Re: No More Synchrony Bank Luv????

Credit-hoarder — Mon, 12 Oct 2015 00:35:15 GMT

@Anonymous wrote:
All of my Synchrony bank store cards (Lowes, Walmart, Sams Club, Amazon, etc) will not allow CLI on them. It has been over 6 months since my CLI to 5K on all cards via chat. Each time I hit the luv button on all accounts I get the message "we are sorry we cannot authorize a credit limit increase on this account" message immediately. What is up with Synchrony Bank? I've made more than the minimum payments and my util is low. What gives?? My scores are all >650. Mmmmm..... I have tried again via chat as well with no luck.

This is a data point I've been making about Synchrony over the last couple of months: If your TU score is below 670 at the moment or on you last SPs, you may be at or over the max they're willing to give for that score. The max for most store cards is $3500--Lowe's $12000, and Visas and M/Cs $2000 with a TU below 670. I know b/c my TU has been under 670 for some time and that's the max theyj'll give me for my 4 Synch. accounts. Others have noticed this also. If you're above 700 they'll give you whatever you ask for practically.

Re: No More Synchrony Bank Luv????

Anonymous — Mon, 12 Oct 2015 00:37:53 GMT

Ahhhh That explains it! Thanks

Re: No More Synchrony Bank Luv????

Anonymous — Mon, 12 Oct 2015 00:39:17 GMT

In my case the luv button never work , i need ask always for chat.

Re: No More Synchrony Bank Luv????

KSK1912 — Mon, 12 Oct 2015 02:33:08 GMT

@Credit-hoarder wrote:
@Anonymous wrote:
All of my Synchrony bank store cards (Lowes, Walmart, Sams Club, Amazon, etc) will not allow CLI on them. It has been over 6 months since my CLI to 5K on all cards via chat. Each time I hit the luv button on all accounts I get the message "we are sorry we cannot authorize a credit limit increase on this account" message immediately. What is up with Synchrony Bank? I've made more than the minimum payments and my util is low. What gives?? My scores are all >650. Mmmmm..... I have tried again via chat as well with no luck.
This is a data point I've been making about Synchrony over the last couple of months: If your TU score is below 670 at the moment or on you last SPs, you may be at or over the max they're willing to give for that score. The max for most store cards is $3500--Lowe's $12000, and Visas and M/Cs $2000 with a TU below 670. I know b/c my TU has been under 670 for some time and that's the max theyj'll give me for my 4 Synch. accounts. Others have noticed this also. If you're above 700 they'll give you whatever you ask for practically.

You may have a point, i have been watching the same thing too. As of today TU at 665 i think, few points short of being GOOD credit which is 670. My Lowes went up from $300 SL to $5K. My Amazon at $6K ($800->$3500->$6000 in a matter of 2 months), My belk, just received the card in the mail $300 SL to $5K in a week, Walmart $150 SL, to $3500 in a few weeks and no cli since 9/24/15 Sam's Club started at $637 and no CLI since then (less than a month old) So i will do my rounds of CLI Requests tomorrow morning and update it here see if i get any cli's. If not, i will wait until my TU Fico hits 680 which should not be too long. I have almost $35K revolving accounts with under 2% utilization.

Edit: All my increses have been thru chat except Belk which does not have the chat future. Love button has never worked for me. And i have been asking for cli's fairly often to allow any time for an auto love! So for me, chat is the only way to go unless i am stuck at a CL for too long.

Re: No More Synchrony Bank Luv????

Anonymous — Mon, 12 Oct 2015 05:36:00 GMT

Teehee, doing the CLI rounds. I used that term last week.

Does anyone know how each sync cares about multiple requests?

Re: No More Synchrony Bank Luv????

injustifiiable — Mon, 12 Oct 2015 14:35:55 GMT

@KSK1912 wrote:
@Credit-hoarder wrote:
@Anonymous wrote:
All of my Synchrony bank store cards (Lowes, Walmart, Sams Club, Amazon, etc) will not allow CLI on them. It has been over 6 months since my CLI to 5K on all cards via chat. Each time I hit the luv button on all accounts I get the message "we are sorry we cannot authorize a credit limit increase on this account" message immediately. What is up with Synchrony Bank? I've made more than the minimum payments and my util is low. What gives?? My scores are all >650. Mmmmm..... I have tried again via chat as well with no luck.
This is a data point I've been making about Synchrony over the last couple of months: If your TU score is below 670 at the moment or on you last SPs, you may be at or over the max they're willing to give for that score. The max for most store cards is $3500--Lowe's $12000, and Visas and M/Cs $2000 with a TU below 670. I know b/c my TU has been under 670 for some time and that's the max theyj'll give me for my 4 Synch. accounts. Others have noticed this also. If you're above 700 they'll give you whatever you ask for practically.
You may have a point, i have been watching the same thing too. As of today TU at 665 i think, few points short of being GOOD credit which is 670. My Lowes went up from $300 SL to $5K. My Amazon at $6K ($800->$3500->$6000 in a matter of 2 months), My belk, just received the card in the mail $300 SL to $5K in a week, Walmart $150 SL, to $3500 in a few weeks and no cli since 9/24/15 Sam's Club started at $637 and no CLI since then (less than a month old) So i will do my rounds of CLI Requests tomorrow morning and update it here see if i get any cli's. If not, i will wait until my TU Fico hits 680 which should not be too long. I have almost $35K revolving accounts with under 2% utilization.
Edit: All my increses have been thru chat except Belk which does not have the chat future. Love button has never worked for me. And i have been asking for cli's fairly often to allow any time for an auto love! So for me, chat is the only way to go unless i am stuck at a CL for too long.

I noticed the same, actually. My scores were slightly below 650 and the most they would give on the cards I used more (Gap, Old Navy, Banana Republic, Amazon) was $3500. I also have a JCPenney card that was bumped to the max of $3000. (I don't know if use is really a factor here but I'm just happening to use it as a basis of comparison.)

Cards I used slighly less were bumped up to max of $2,000 (TJX Rewards, American Eagle)

Cards that were just opened this year (Lowe's) weren't getting any increases at all.

Fast forward to last week. The last baddie fell off TU, and I was sure I got a score increase but I wasn't sure to what yet. So, I go to the chat again and was able to get increases on the following. I asked for $10,000 and got mostly counter offers.

Walmart: $6000
Gap: $6000
Banana Republic: $6000
Old Navy: $6000
Amazon: $5000
JCPenney: $3500
TJX: $3500
American Eagle: $3500
Lowe's: $10,000

I was trying to wait for the letters to see what my new score was. I haven't received them yet but Walmart posted my updated score yesterday. It is 692.

Re: No More Synchrony Bank Luv????

ddemari — Mon, 12 Oct 2015 15:48:30 GMT

Most of my Sych store cards come back with a FICO score from February 2015. If I call Credit Solutions, the request will usually go through for store cards. Visa and Mc's need to be on the 4 month rotation.

Re: No More Synchrony Bank Luv????

vayub4 — Mon, 12 Oct 2015 17:25:29 GMT

Same thing with me... Even with my scores above 700 as at the last time they did their SP, they still wouldn't increase my limits.... I want higher limits!

Re: No More Synchrony Bank Luv????

Anonymous — Wed, 14 Oct 2015 15:06:47 GMT

There has to be something to this and them using old scores. I tried and tried and not until last week finally did I get an CLI from the Amazon store card. had the card for two years, reduced limit to 700 and every time I asked it was a no go. Ended up trying for the third or fourth time and I had to go through the Chat, ask for $10,000 they countered with $4000 and finally got it, geez.... I got CLIs on a couple other cards from Sychrony but for some reason, this one wasn't going to budge. Maybe they pull new scores only so often and keep reusing old ones?

Re: No More Synchrony Bank Luv????

injustifiiable — Mon, 12 Oct 2015 18:40:16 GMT

@Anonymous wrote:
There has to be something to this and them using old scores. I tried and tried and not until last week finally did I get an CLI from the Amazon store card. had the card for two years, reduced limit to 700 and every time I asked it was a no go. Ended up trying for the third or fourth time and I had to go through the Chat, ask for $10,00, they countered with $4000 and finally got it, geez.... I got CLIs on a couple other cards from Sychrony but for some reason, this one wasn't going to budge. Maybe they pull new scores only so often and keep reusing old ones?

That's the weird thing though..when you do the chat or call credit solutions, they usually do a fresh SP on the spot. CLI requests through the button or through their automated phone system usually reference their periodic SP's.

Re: No More Synchrony Bank Luv????

Anonymous — Mon, 12 Oct 2015 19:00:22 GMT

@injustifiiable wrote:
@Anonymous wrote:
There has to be something to this and them using old scores. I tried and tried and not until last week finally did I get an CLI from the Amazon store card. had the card for two years, reduced limit to 700 and every time I asked it was a no go. Ended up trying for the third or fourth time and I had to go through the Chat, ask for $10,00, they countered with $4000 and finally got it, geez.... I got CLIs on a couple other cards from Sychrony but for some reason, this one wasn't going to budge. Maybe they pull new scores only so often and keep reusing old ones?
That's the weird thing though..when you do the chat or call credit solutions, they usually do a fresh SP on the spot. CLI requests through the button or through their automated phone system usually reference their periodic SP's.

Yea, I'm not sure. I tried the luv button, calling two separate numbers and chat previous to last week. After asking in the forum, went back through chat and asked for 10k. Only then did I even get a bite.

Re: No More Synchrony Bank Luv????

CYBERSAM — Mon, 12 Oct 2015 19:05:23 GMT

Very interesting find here, so do you guys think I could get Sam's MC with TU:663 ? Already have Walmart $300

Re: No More Synchrony Bank Luv????

Anonymous — Mon, 12 Oct 2015 20:00:01 GMT

@Anonymous wrote:
@injustifiiable wrote:
@Anonymous wrote:
There has to be something to this and them using old scores. I tried and tried and not until last week finally did I get an CLI from the Amazon store card. had the card for two years, reduced limit to 700 and every time I asked it was a no go. Ended up trying for the third or fourth time and I had to go through the Chat, ask for $10,00, they countered with $4000 and finally got it, geez.... I got CLIs on a couple other cards from Sychrony but for some reason, this one wasn't going to budge. Maybe they pull new scores only so often and keep reusing old ones?
That's the weird thing though..when you do the chat or call credit solutions, they usually do a fresh SP on the spot. CLI requests through the button or through their automated phone system usually reference their periodic SP's.
Yea, I'm not sure. I tried the luv button, calling two separate numbers and chat previous to last week. After asking in the forum, went back through chat and asked for 10k. Only then did I even get a bite.

Where do you go to for CLI chat? Just got my Amazon card.

Re: No More Synchrony Bank Luv????

Anonymous — Mon, 12 Oct 2015 20:08:51 GMT

Where do you go to for CLI chat? Just got my Amazon card.

Online to your account.

Re: No More Synchrony Bank Luv????

taxi818 — Mon, 12 Oct 2015 23:52:20 GMT

@Anonymous wrote:
All of my Synchrony bank store cards (Lowes, Walmart, Sams Club, Amazon, etc) will not allow CLI on them. It has been over 6 months since my CLI to 5K on all cards via chat. Each time I hit the luv button on all accounts I get the message "we are sorry we cannot authorize a credit limit increase on this account" message immediately. What is up with Synchrony Bank? I've made more than the minimum payments and my util is low. What gives?? My scores are all >650. Mmmmm..... I have tried again via chat as well with no luck.

Simple. Stop hitting the luv button or going to chat. Call credit solutions. depending on your score. but greater than 650 is not going to get it. when you really want the upper limits. meaning 10k plus.

Re: No More Synchrony Bank Luv????

Anonymous — Tue, 13 Oct 2015 00:39:25 GMT

saw this post and thought i'd give walmart a try since i've been sutck at 6k since i was around 670 and my walmart tu just hit 709.

denied

wonder if they used an old one. it was 690 last month i think

Re: No More Synchrony Bank Luv????

injustifiiable — Wed, 14 Oct 2015 12:48:45 GMT

@Anonymous wrote:
@injustifiiable wrote:
@Anonymous wrote:
There has to be something to this and them using old scores. I tried and tried and not until last week finally did I get an CLI from the Amazon store card. had the card for two years, reduced limit to 700 and every time I asked it was a no go. Ended up trying for the third or fourth time and I had to go through the Chat, ask for $10,00, they countered with $4000 and finally got it, geez.... I got CLIs on a couple other cards from Sychrony but for some reason, this one wasn't going to budge. Maybe they pull new scores only so often and keep reusing old ones?
That's the weird thing though..when you do the chat or call credit solutions, they usually do a fresh SP on the spot. CLI requests through the button or through their automated phone system usually reference their periodic SP's.
Yea, I'm not sure. I tried the luv button, calling two separate numbers and chat previous to last week. After asking in the forum, went back through chat and asked for 10k. Only then did I even get a bite.

Certainly keep an eye out for the letters and see the dates of the scores. Chances are good the luv button used the old one.

Re: No More Synchrony Bank Luv????

Anonymous — Thu, 15 Oct 2015 02:55:11 GMT

@credithoarder

That info is definitely not an accurate baseline based solely on one's TU score.

YMMV with Synchrony Bank or any credit card company based on your age, gender, what state you live in, total credit card utilization, utilization on an existing card if you're asking for a CLI, stated income, marital status, self-employed or employed by a company, recent (last 12 months) inquiries and new accounts opened, usage of the card (if asking for CLI), types of baddies showing and how old they are, how high your credit limits are on other open credit cards, etc.

667 TU FICO 08 and I got 1500% and 600% CLI nine days ago. I prove this with screenshots of my 667 score on Walmart, CCT, and Synchrony letter.

http://ficoforums.myfico.com/t5/Credit-Card-Approvals/Walmart-Store-Card-1500-CLI-amp-Amazon-Store-Card-600-CLI/td-p/4263775

Re: No More Synchrony Bank Luv????

Anonymous — Wed, 21 Oct 2015 23:00:33 GMT

took my walmart card from $4500 to 10k

JCPenny $7500 to 10k

Sams Club Mastercard $4k to 10k....called this # 866-519-6441

TransU-733... did all three in a 4 day span