topic Re: Synchrony CLI? What the Heck? in Credit Cards

Synchrony CLI? What the Heck?

odd_dog — Fri, 12 Jan 2018 21:52:49 GMT

So I tried to get a CLI on my PayPal MC (300 limit LOL) and was denied TWICE...so this time waited for the letter, it said....reason for denial "insufficient experience at your current credit line" and they gave me the number to call 866-300-6432, called ABSOLUTELY no help whatsoever....does anyone here have any info on talking to a human at Synchrony? The CSR was no help even when I asked if I can talk to an analyst, she said the computer and credit reports make that decision....wow, OK I guess....yet 10K CL on my Marvel and 7K on Walmart not sure where they are going with 300 CL on PayPal....rant over....

Re: Synchrony CLI? What the Heck?

Anonymous — Fri, 12 Jan 2018 21:57:14 GMT

Did you try the backdoor numbers for Sync in the backdoor numbers sticky?

Re: Synchrony CLI? What the Heck?

Anonymous — Fri, 12 Jan 2018 21:58:56 GMT

They denied me outright for the card, so at least they gave you $300 although it may not seem like much to you.

I have $10,000 on Marvel $10,000 on AEO and $4,000 on Belk. Other limits with the same bank does not necessarily guarantee an approval or a large limit.

Re: Synchrony CLI? What the Heck?

Anonymous — Fri, 12 Jan 2018 22:02:44 GMT

I personally wouldn't poke the Sync beast because blue envelopes clash with my mailbox.

Re: Synchrony CLI? What the Heck?

odd_dog — Fri, 12 Jan 2018 22:28:33 GMT

@Anonymous wrote:
Did you try the backdoor numbers for Sync in the backdoor numbers sticky?

No I did not, like you said later, "Blue Envelope" and if the advice and experience here is you can't get far by talking to them, I figured why call again....so figured I would put this out there before moving forward with any other move....thanks!

Re: Synchrony CLI? What the Heck?

odd_dog — Fri, 12 Jan 2018 22:34:24 GMT

@Anonymous wrote:
They denied me outright for the card, so at least they gave you $300 although it may not seem like much to you.

I have $10,000 on Marvel $10,000 on AEO and $4,000 on Belk. Other limits with the same bank does not necessarily guarantee an approval or a large limit.

I don't think 300 seems like much to anyone....They may as well have denied me, this is useless.....and yes I know a large limit on other cards guarantees nothing, but the reason for denial seems contradictory with Synchrony Bank itself giving such a low limit on the card after such high limits on other cards they have granted me, I bank with them (great savings rates) and have more in that account then all CL's combined from the three cards I have with them, even Chase "makes exceptions" to the 5/24 rules because I bank HEAVY with them.....just seemed odd to me....and I KNOW odd.....

Re: Synchrony CLI? What the Heck?

FinStar — Fri, 12 Jan 2018 23:36:14 GMT

@odd_dog wrote:
@Anonymous wrote:
They denied me outright for the card, so at least they gave you $300 although it may not seem like much to you.

I have $10,000 on Marvel $10,000 on AEO and $4,000 on Belk. Other limits with the same bank does not necessarily guarantee an approval or a large limit.
I don't think 300 seems like much to anyone....They may as well have denied me, this is useless.....and yes I know a large limit on other cards guarantees nothing, but the reason for denial seems contradictory with Synchrony Bank itself giving such a low limit on the card after such high limits on other cards they have granted me, I bank with them (great savings rates) and have more in that account then all CL's combined from the three cards I have with them, even Chase "makes exceptions" to the 5/24 rules because I bank HEAVY with them.....just seemed odd to me....and I KNOW odd.....

Synchrony isn't exactly known for making the kind of exceptions like Chase, for instance. That being said, most folks usually contact the Credit Solutions line in the event the traditional CLI channel did not yield favorable results (based on profile of course as opposed to I "deserve" a CLI). Granted, $300 is not very flexible if you tend to place high transaction amounts at a given moment. When was the last time you used the card? Have you updated your income on their site?

Re: Synchrony CLI? What the Heck?

odd_dog — Sat, 13 Jan 2018 00:32:35 GMT

@FinStar wrote:
@odd_dog wrote:
@Anonymous wrote:
They denied me outright for the card, so at least they gave you $300 although it may not seem like much to you.

I have $10,000 on Marvel $10,000 on AEO and $4,000 on Belk. Other limits with the same bank does not necessarily guarantee an approval or a large limit.
I don't think 300 seems like much to anyone....They may as well have denied me, this is useless.....and yes I know a large limit on other cards guarantees nothing, but the reason for denial seems contradictory with Synchrony Bank itself giving such a low limit on the card after such high limits on other cards they have granted me, I bank with them (great savings rates) and have more in that account then all CL's combined from the three cards I have with them, even Chase "makes exceptions" to the 5/24 rules because I bank HEAVY with them.....just seemed odd to me....and I KNOW odd.....
Synchrony isn't exactly known for making the kind of exceptions like Chase, for instance. That being said, most folks usually contact the Credit Solutions line in the event the traditional CLI channel did not yield favorable results (based on profile of course as opposed to I "deserve" a CLI). Granted, $300 is not very flexible if you tend to place high transaction amounts at a given moment. When was the last time you used the card? Have you updated your income on their site?

Thanks for the reply Fin....Yes I use it every month for like 10 here and 20 dollars there, I do not go over 50 balance, and I wait till it cuts to pay so no prepay....No I have not updated my income, it has not changed for the 4 months I have had the card, should I? I am guessing I did NOT call the credit solutions line? I thought the number they gave me in the decline letter was that....interesting, although does calling that number make the blue evelope I hear so much about happen?

Re: Synchrony CLI? What the Heck?

FinStar — Sat, 13 Jan 2018 00:49:55 GMT

@odd_dog wrote:
@FinStar wrote:
@odd_dog wrote:
@Anonymous wrote:
They denied me outright for the card, so at least they gave you $300 although it may not seem like much to you.

I have $10,000 on Marvel $10,000 on AEO and $4,000 on Belk. Other limits with the same bank does not necessarily guarantee an approval or a large limit.
I don't think 300 seems like much to anyone....They may as well have denied me, this is useless.....and yes I know a large limit on other cards guarantees nothing, but the reason for denial seems contradictory with Synchrony Bank itself giving such a low limit on the card after such high limits on other cards they have granted me, I bank with them (great savings rates) and have more in that account then all CL's combined from the three cards I have with them, even Chase "makes exceptions" to the 5/24 rules because I bank HEAVY with them.....just seemed odd to me....and I KNOW odd.....
Synchrony isn't exactly known for making the kind of exceptions like Chase, for instance. That being said, most folks usually contact the Credit Solutions line in the event the traditional CLI channel did not yield favorable results (based on profile of course as opposed to I "deserve" a CLI). Granted, $300 is not very flexible if you tend to place high transaction amounts at a given moment. When was the last time you used the card? Have you updated your income on their site?
Thanks for the reply Fin....Yes I use it every month for like 10 here and 20 dollars there, I do not go over 50 balance, and I wait till it cuts to pay so no prepay....No I have not updated my income, it has not changed for the 4 months I have had the card, should I? I am guessing I did NOT call the credit solutions line? I thought the number they gave me in the decline letter was that....interesting, although does calling that number make the blue evelope I hear so much about happen?

Yes, I can see how this can limit the usage on the card. The number on the letter is not the Credit Solutions department. If your income has not changed then you should be fine.

The blue envelope tends to be triggered by a variety of different factors, not all inclusive of course, but some scenarios point to excessive number of accounts/inquiries during any recent Sync approval(s), too many recently opened Sync accounts in a relatively short period, carrying large balances (non-promotional) for a prolonged period of time, excessive Sync CLI requests (especially if you hold multiple Sync accounts), credit profile/score deterioration, high utilization, etc., abnormal spending patterns and/or questionable transactions on Sync accounts. If none of these apply to you, then by all means contact them. Typically, any CLI request via Credit Solutions is SP.

Re: Synchrony CLI? What the Heck?

AverageJoesCredit — Sat, 13 Jan 2018 00:53:14 GMT

Hey dog, thats truely odd. With your profile getting cli should be a no brainer. Is this the MC extras or the new 2% one?. would only call Credit Solutions , the overseas one when going for a cli. Hope you break this bone eventually, even for me and super low spend, 300 doesnt do much

Re: Synchrony CLI? What the Heck?

trusty — Sat, 13 Jan 2018 01:18:58 GMT

This is a classic case of the left hand not knowing what the right is doing. Only a broken computer algorithm wouldn't take bank specific history into account.

Although, I will say this. Credit issuers go through periods where the mandate of lending changes. So, timing is everything. While they may have given out 35k to everyone last year... it's very possible that the new mandate is to put new lending on hold insofar as high limits are concerned. Plus, since they lent out so much last year... it follows that they wouldn't do the same, year over year.

In fact, every bank goes through lull periods, when they're not handing out 20k limits like candy. These periods probably come faster, when after everyone has been feverishly reporting and then jumping on these credit card bandwagons so quickly, in the modern age. So, naturally, the funds dry up much more quickly, because the jig is up sooner... after being disseminated at a much faster rate than ever before.

Which is why you get reasons like, "insufficient history," despite having history with that bank. That's just a round about way to say, "we would have given you the loan, if we had the money... but, at the present time, we're just not authorized to lend the money."

So, even if a human could review it... and verify that your history with the bank is solid, and adds up... because of poor timing, and more than likely a bit of backroom accounting, you may end up with a similar unsatisfying result.

Re: Synchrony CLI? What the Heck?

Anonymous — Sat, 13 Jan 2018 02:57:14 GMT

Some of their reasons are real head scratchers especially with some prime banks. Go figure

Re: Synchrony CLI? What the Heck?

Anonymous — Sat, 13 Jan 2018 06:34:02 GMT

This past November I saw a very nice promo they have at Guitar Center so applied for the Guitar Center card and was approved for 3K but since I was going to purchase few things for my studio that would cost about 6K I called the recon line and asked if they can increase the SL to 6K. The nice lady told me to give her 4minutes to do the review and she would be back with an answer. Four minutes later she increased my limit to $6500 without a HP. I did asked her if it would be a SP before hand and I was told/promised it was only a SP and I OKed it. The promo guitar center had at that time was for 48months interest free as long as paid within that period.

Re: Synchrony CLI? What the Heck?

Anonymous — Sun, 14 Jan 2018 09:49:43 GMT

All of the SYNC cards I’ve got in my profile started off with low limits. Including the PayPal one as well and it was $300 😂

Every card I’ve just used it, PIF, and then wait after 3 months and ask for the CLI. I’ve always got the CLI with no problem.

Walmart went from $300 to $3500
Lowe’s went from $200 to $5000

Not sure if that’s a kind of scheduled CLI plan they have in place but it seems to have worked for me.

I’m due to ask for the PayPal CLI soon... I’ll keep you updated!