topic Re: Synchrony Total Exposure in Credit Cards

Synchrony Total Exposure

Creditaddict — Thu, 22 Oct 2015 17:47:13 GMT

By my calculations after last night and this morning getting CLI on most of my accounts I am currently at a Total Exposure of:

$98,300 not including business accounts that are not PG'd

Re: Synchrony Total Exposure

ddemari — Thu, 22 Oct 2015 17:54:08 GMT

I went from a 200 gap card in early 2014 to nearing the total exposure as of now. It happens fast lol

Re: Synchrony Total Exposure

FocusedAndDetermined — Thu, 22 Oct 2015 23:43:26 GMT

Not surprised one little bit.

Re: Synchrony Total Exposure

taxi818 — Thu, 22 Oct 2015 23:47:52 GMT

Maybe i will jump on some of these synchrony utilization busters after the new year. Like lowes and also a Stash Hotel. also a barneys. not sure how long to get that limit up to 30k. adding another 50k would know my util way down. but i want to wait until after the new year.

Re: Synchrony Total Exposure

waynes1982 — Fri, 23 Oct 2015 03:15:30 GMT

I hit $107,000 last night after I requested a few increases. This doesn't included a joint account with my husband.

Re: Synchrony Total Exposure

B335is — Fri, 23 Oct 2015 05:53:15 GMT

After my last call to Credit Solutions for Stash CLI (which was granted) I won't call for more CLIs. Even though a few people seem fine over $100k, there's simply too much at stake to be completely shut down for me. I'm at about $80k total exposure including biz accounts.

Re: Synchrony Total Exposure

Ron1 — Fri, 23 Oct 2015 06:31:57 GMT

CA,

$100K is the max exposure including business (even not PG) and personal. You are getting close. You need to be careful.

Ron.

Re: Synchrony Total Exposure

dabrian — Fri, 23 Oct 2015 07:52:52 GMT

I'm at 35k between my Walmart and Lowe's and I have no plans to ask for any more increases.

Re: Synchrony Total Exposure

sandman2435 — Fri, 23 Oct 2015 11:08:46 GMT

@Ron1 wrote:
CA,

$100K is the max exposure including business (even not PG) and personal. You are getting close. You need to be careful.

Ron.

I'm at $75K personal and $20K business,Im most likely will close my lower limit cards with sync in the next few days,I'll just keep the stash($25K) and ebates($20K)And I'll close the Lowes Business card ,Now I have the personal,The other sync cards have $1K to $3K limits,And I have the sams business MasterCard which I will keep

Re: Synchrony Total Exposure

Ron1 — Fri, 23 Oct 2015 14:52:23 GMT

@sandman2435 wrote:
@Ron1 wrote:
CA,

$100K is the max exposure including business (even not PG) and personal. You are getting close. You need to be careful.

Ron.
I'm at $75K personal and $20K business,Im most likely will close my lower limit cards with sync in the next few days,I'll just keep the stash($25K) and ebates($20K)And I'll close the Lowes Business card ,Now I have the personal,The other sync cards have $1K to $3K limits,And I have the sams business MasterCard which I will keep

Congrats!!!! I didn't know you have that. I thought you only have Ebates. You beat me on business credit. I only got Amazon Business Charge Account.

Ron.

Re: Synchrony Total Exposure

Creditaddict — Fri, 23 Oct 2015 15:28:41 GMT

@Ron1 wrote:
CA,

$100K is the max exposure including business (even not PG) and personal. You are getting close. You need to be careful.

Ron.

Can't be... I have tons of business credit... probably $30-$40k

Re: Synchrony Total Exposure

Ron1 — Fri, 23 Oct 2015 15:31:35 GMT

@Creditaddict wrote:
@Ron1 wrote:
CA,

$100K is the max exposure including business (even not PG) and personal. You are getting close. You need to be careful.

Ron.
Can't be... I have tons of business credit... probably $30-$40k

They count everything under your name.

Ron.

Re: Synchrony Total Exposure

Creditaddict — Fri, 23 Oct 2015 15:35:37 GMT

@Ron1 wrote:
@Creditaddict wrote:
@Ron1 wrote:
CA,

$100K is the max exposure including business (even not PG) and personal. You are getting close. You need to be careful.

Ron.
Can't be... I have tons of business credit... probably $30-$40k
They count everything under your name.

Ron.

Business cards are not under my name, they are under the business... I'm only listed as contact/bill payer for them... so that wouldn't count.

Re: Synchrony Total Exposure

Ron1 — Fri, 23 Oct 2015 15:39:12 GMT

@Creditaddict wrote:
@Ron1 wrote:
@Creditaddict wrote:
@Ron1 wrote:
CA,

$100K is the max exposure including business (even not PG) and personal. You are getting close. You need to be careful.

Ron.
Can't be... I have tons of business credit... probably $30-$40k
They count everything under your name.

Ron.
Business cards are not under my name, they are under the business... I'm only listed as contact/bill payer for them... so that wouldn't count.

They also count that too.

Ron.

Re: Synchrony Total Exposure

Creditaddict — Fri, 23 Oct 2015 15:42:23 GMT

Well clearly they aren't and I would still argue with how because my name has no responsibility to the account

Re: Synchrony Total Exposure

B335is — Fri, 23 Oct 2015 16:07:11 GMT

CA, it's a whole different department that reviews your entire exposure to Synchrony. I don't want you to get a Synchrony FR.

Sync... I Hit the limit!

Creditaddict — Fri, 23 Oct 2015 16:09:30 GMT

Called for a CLI on My TJX Mastercard and it was an extensive 2 holds and finally she comes back and says the reason for the hold is 2 parts:

My TJX MC qualifies for up to $8k ($3600 currently) but I will need to move the CL from something else.

I offered to CLOSE my BP Visa $4k after yesterday's increase.

being transferred to CSR to do that now.

Re: Sync... I Hit the limit!

Anonymous — Fri, 23 Oct 2015 16:16:33 GMT

Hope it works out for you, CA. What did they say the limit was?

Re: Sync... I Hit the limit!

Ron1 — Fri, 23 Oct 2015 16:23:01 GMT

Good luck!!!!

Ron.

Re: Sync... I Hit the limit!

Creditaddict — Fri, 23 Oct 2015 16:29:49 GMT

@Anonymous wrote:
Hope it works out for you, CA. What did they say the limit was?

No, but that it would be an even trade $1 for $1 for anything I wanted.

The transfer didn't go through so I ended up hanging up and calling and closing the BP through automated phone system and I'm not going to call back and increase my TJX, I don't need it and would rather a little breathing room to hopefully avoid FR