topic Re: Did I aim too low in Credit Cards

Did I aim too low

ginger1477 — Thu, 25 Feb 2016 01:05:18 GMT

So I have a Walmart card with a 400 starting limit. I had one that I closed cause I thought I would never use it and then I saw they had the 75 dollar statement credit thing, so I apped and got a new one. The old was 700 and I wasn't getting increases online, so I closed it.

About ten minutes ago I decided to call and ask for an increase. I don't have the card with me so I looked up the number on this forum. I'm having a dim day, it didn't occur to me I wasn't speaking with a regular csr. The nice guy put me on hold after asking me what amount I would like. I just said an even 1000, or at least 700 would be awesome. He came back and said I got the 1000.

So, my question, should I have asked for a way higher amount? Can I call again? This is the first cli I've gotten from synchrony since bankruptcy.

Re: Did I aim too low

Anonymous — Thu, 25 Feb 2016 01:15:16 GMT

its synchrony call back

Ive called got max increase, increased 2 more cards then said oh about that one earlier can you add a few more $$$ and they did.

Re: Did I aim too low

FinStar — Thu, 25 Feb 2016 01:16:41 GMT

Hard to say but not a bad CLI. You can try Credit Soultions again or try using the Chat feature and see if it yields anything more.

Re: Did I aim too low

someg33k — Thu, 25 Feb 2016 02:10:26 GMT

You can call back and ask for more. Soft pull so worst that can happen is they say no.

When I called recently for a CLI on that card I only asked for what I thought was a reasonable limit for that card, for my needs. Asked for 5k and got it. How much credit do I really want / need on a Walmart card.. Saving my Sync exposure for other cards

Just food for thought if you have other Sync cards or want more in the future.

Re: Did I aim too low

ginger1477 — Thu, 25 Feb 2016 03:28:57 GMT

Thanks guys. Think I'll try the chat, if that doesn't work I might call again tomorrow, just gotta get up the nerve. Lol. I'm constantly battling my shyness. I'm thinking Walmart is the only store card I want from synchrony so I wouldn't mind maxing out exposure. Cause of my job it's really the only store I can stop at on a regular basis.

Re: Did I aim too low

ddemari — Thu, 25 Feb 2016 04:07:50 GMT

1 (866) 519-6441 U don't have to be shy when calling credit solutions. I used to be! But seriously it's the easiest phone call of your life that yields something great haha!

Re: Did I aim too low

takeshi74 — Thu, 25 Feb 2016 14:21:14 GMT

@ginger1477 wrote:
So, my question, should I have asked for a way higher amount?

We have no idea. We are not underwriters for that card.

@ginger1477 wrote:
Can I call again?

You can always ask. Whether you qualify is an entirely separate matter and, again, we can't address that. It all depends on what your credit profile and income qualify for.

Re: Did I aim too low

ginger1477 — Thu, 25 Feb 2016 17:49:12 GMT

Thank you, takeshi74, I do realize that forum members are not underwriters lol. I was asking opinions of the general community that has been very helpful in answering other questions I've had.