topic Re: Synchrony - 3 or 4 months between CLIs? in Credit Cards

Synchrony - 3 or 4 months between CLIs?

masscredit — Sun, 01 May 2016 16:14:22 GMT

I've been thinking it's 3 months between CLIs but had a few denials then read something that said 4 so that threw me off. Next on my list is Lowes. I'll have to make a call for that one and don't want to do it early. What is the minimum?

Re: Synchrony - 3 or 4 months between CLIs?

fullstackdev — Sun, 01 May 2016 16:25:39 GMT

Hi there! I received an increase on my Walmart SC and Amazon SC just this week. This is after receiving an increase on the Amazon SC during my last statement.

Re: Synchrony - 3 or 4 months between CLIs?

Anonymous — Sun, 01 May 2016 17:17:51 GMT

Yea 4 months , but sometimes you stuck in the same limit long time.

Re: Synchrony - 3 or 4 months between CLIs?

Loquat — Sun, 01 May 2016 17:18:32 GMT

In my experience it's never really been about time with Sync but more about my TU score. I'm sure time plays a role in some capacity but to what extent I don't know. From your signature it looks like you're already at $17k on your Lowes account. I don't know what the total exposure is for this card but with a 729 TU, you may be close to the ceiling with this one. But it's a SP so doesn't hurt to try...worst they can say is no.

Re: Synchrony - 3 or 4 months between CLIs?

masscredit — Sun, 01 May 2016 18:27:20 GMT

I'm looking at notes from past increases. It looks like they've ranged from 3-5 months. It's hard to call sometimes. Was it because of time of something else? My Lowes closing date is the 20th so I might wait until after the 4th statement closes in a few weeks. That card came out of the gate with a high limit so I don't think I'll be trying to increase it much. Maybe get into the $20K-$25K range and be content with that.

Re: Synchrony - 3 or 4 months between CLIs?

UncleB — Sun, 01 May 2016 20:22:58 GMT

@masscredit wrote:
I'm looking at notes from past increases. It looks like they've ranged from 3-5 months. It's hard to call sometimes. Was it because of time of something else? My Lowes closing date is the 20th so I might wait until after the 4th statement closes in a few weeks. That card came out of the gate with a high limit so I don't think I'll be trying to increase it much. Maybe get into the $20K-$25K range and be content with that.

For me it seems to be four months between CLI requests (at least using the website), although I think I got my last Sam's Club MasterCard CLI a few days before the four months was up (not sure, but I think I was a few days early).

I know that in my own case, if I try after only three months I get the letter "... not enough experience at current credit limit". That's only my own experience, though, so YMMV. Also, my experience is limited to Sam's Club MC, Belk, and Lowe's... it could be different for other cards.

Re: Synchrony - 3 or 4 months between CLIs?

Anonymous — Sun, 01 May 2016 20:38:13 GMT

I've had Old Navy, Walmart, & Amazon for only 2 months. And, 2-3 weeks ago I tried for CLI's when my TU score jumped from 630-669, and I was approved for very nice CLI's. Old Navy $200-$3500, Walmart $800-$6,000, & Amazon $700-$5,000.

I plan on trying again the minute my TU score jumps up again. Soft pulls, so why not?

Re: Synchrony - 3 or 4 months between CLIs?

CreditMagic7 — Sun, 01 May 2016 22:42:58 GMT

@masscredit wrote:
I'm looking at notes from past increases. It looks like they've ranged from 3-5 months. It's hard to call sometimes. Was it because of time of something else? My Lowes closing date is the 20th so I might wait until after the 4th statement closes in a few weeks. That card came out of the gate with a high limit so I don't think I'll be trying to increase it much. Maybe get into the $20K-$25K range and be content with that.

Is what i done recently.

Lowes was already at $17K for almost a year then when TU FICO went up again i requested only a $3K line increase they approved.

Always nice to leave some breathing room open for the others

Synchrony CLI's have been routinely after 4th statement cut but sometimes they drop an auto-increase in for you and other times you can contact them sooner and it goes thru.

Re: Synchrony - 3 or 4 months between CLIs?

Anonymous — Mon, 02 May 2016 01:27:15 GMT

Did your income also change at that time or did they give you the cli with same.

Re: Synchrony - 3 or 4 months between CLIs?

NichelleN — Mon, 02 May 2016 03:39:01 GMT

@Loquat wrote:
In my experience it's never really been about time with Sync but more about my TU score. I'm sure time plays a role in some capacity but to what extent I don't know. From your signature it looks like you're already at $17k on your Lowes account. I don't know what the total exposure is for this card but with a 729 TU, you may be close to the ceiling with this one. But it's a SP so doesn't hurt to try...worst they can say is no.

That was my experience too. It's been some time since I asked for a synchrony increase. But at one point I had 3 increases on the same card within the same week.