topic Re: Synchrony Amazon CLI question in Credit Cards

Synchrony Amazon CLI question

bichonmom — Thu, 24 Dec 2015 00:38:42 GMT

As I was advised here, I called for a CLI (instead of doing the automated online request.) I was told that she needed to transfer me to a different dept and gave me a reference number. She said it wasn't declined, but it needed to go to a diff dept. Okay. So the guy in that dept. says he needs me to remove the freeze on my credit report before they can CLI. I said that I thought it was supposed to be a soft pull for a CLI. And he insists it is soft, but they need me to lift the freeze.

So, I am totally confused. Because I know my CCs soft me all the time. And my insurance co softs me annually before my renewal. I was under the impression that you only need to lift a freeze for a HP. So, I hung up. I don't want to risk a HP. I went ahead thru the automated online system and it increased me from $1800 to $3800. (I am happy, but was trying for $6k on the phone.)

Anyone else encouter this with them? Can't they SP w/a freeze? Also, if I stick w/the automated system, how often can you CLI? I know w/GE, it was every 4 mos...

Thanks!

Re: Synchrony Amazon CLI question

willwar14 — Thu, 24 Dec 2015 00:55:04 GMT

If it's initiated by you need to remove the freeze, my dad had the same problem, removed the freeze and got the Cli with a sp.

Re: Synchrony Amazon CLI question

bichonmom — Thu, 24 Dec 2015 01:00:14 GMT

Do you know how long I have to wait since I did the automated CLI?

Does Synchrony still use TU?

Re: Synchrony Amazon CLI question

elim — Thu, 24 Dec 2015 01:04:45 GMT

@bichonmom wrote:
Do you know how long I have to wait since I did the automated CLI?

Does Synchrony still use TU?

you can call now. no problem, ask for 20k.

Re: Synchrony Amazon CLI question

elim — Thu, 24 Dec 2015 01:05:05 GMT

yes TU

Re: Synchrony Amazon CLI question

bichonmom — Thu, 24 Dec 2015 01:41:56 GMT

$20k?! (BTW, My scores aren't want they say below anymore. Haven't updated in a while.)

Re: Synchrony Amazon CLI question

Scupra — Thu, 24 Dec 2015 03:12:40 GMT

Sync won't CLI through a freeze. It will definitely be a SP. Make sure to ask for $20k as they will counter offer, good luck!

Re: Synchrony Amazon CLI question

bichonmom — Thu, 24 Dec 2015 03:51:11 GMT

Thanks!