topic Is Synchrony notoriously difficult with amazon store card CLIs? in Credit Cards

Is Synchrony notoriously difficult with amazon store card CLIs?

Sixburgh79 — Fri, 23 Feb 2018 20:26:27 GMT

Hello everyone new here, I've read many posts on the site here and figured it's time to join up and ask some questions and hopefully learn some other new things.

So like a year and half ago I'd say, can't remember the timeline I got my amazon store card and it started at like 2k, and I was getting automatic increases which were nice and it bumped to 6k pretty quickly.. I at one point made a purchase and had 4k of that used up. Well I was planning my attack to lay some huge payments on it, but they one day lowered my credit line within like 100 bucks of where It was used. I called and they said it was due to the utilization.

I then made not long after a 4,000 payment on it. And it hung there for awhile, I put eventually another grand on it, and then paid it down to like 200 bucks. And it has been that way for a bit now.

Anyways I've been repairing my credit over the years, last year got a new discover, citibank, chase and amex card... And yet synchrony just won't budge anymore.

I would eventually either like an Amazon visa or I'll just use my other good cards like my discover or amex for Amazon shopping... But still the principle of simply having a higher credit line is nice to build on.

Is Synchrony just difficult like this? I've made some huge strides in getting my credit back in good shape and they just beat my credit line down even after huge payments and nothing. Would love if someone has some similar experience perhaps.

Re: Is Synchrony notoriously difficult with amazon store card CLIs?

tcbofade — Fri, 23 Feb 2018 20:35:15 GMT

I've heard of Synch lines recovering, but I've never experienced it.

Amazon Visa is offered by Chase Bank, not Synch.

If you've had enough of Synch, you might want to apply for the Visa version through Chase.

(DW and I both had a few Synch account credit lines reduced... no recovery yet....)

Re: Is Synchrony notoriously difficult with amazon store card CLIs?

AverageJoesCredit — Fri, 23 Feb 2018 20:38:17 GMT

No idea but we have seen they dont like to see repeated high uti on some of their cards. I like to see Sync cards as a pif card sort of like Amex charge cards. This will allow you to not be at their mercy if carrying high balance even if for a month or two. When you pif, if they hit you with a cld or a blue envelope, you have mych more control where you can just clise your card and move on . Thats how i treat my Sync cards

Re: Is Synchrony notoriously difficult with amazon store card CLIs?

Sixburgh79 — Fri, 23 Feb 2018 20:41:44 GMT

Oh I know the amazon visa is chase, I just meant that yea I eventually would love to switch over to that and tell Synchrony to shove off.

So it's like once they cut you down it rarely comes back? That really sucks overall because I was only at 4k out of 6k used up and they did it like 2 months before I was able to hammer it, which is just so annoying in general.. I could see if that 4k balance sat there for a year.

See I'm repairing and I have made strides in getting back in the good graces of credit but Im paranoid of every little thing now. I'm just learning also about how chase works with their 5 rule thing and so I'm thinking since I last year opened a discover, citi, amex and chase card that they'd probably decline me.

What's weird is I'm at the best spot my credit has been in years, low util, decent amount of credit, not a single payment missed, and man it seems I'm in a weird spot where I just can't get a nice cli anywhere on my cards.

Re: Is Synchrony notoriously difficult with amazon store card CLIs?

Anonymous — Fri, 23 Feb 2018 21:06:03 GMT

I had 110% utilization on my amazon store card for almost a year. I always had it maxed (2k limit). I was never lowered and every CLI I asked for was approved.

Re: Is Synchrony notoriously difficult with amazon store card CLIs?

Sixburgh79 — Fri, 23 Feb 2018 21:23:53 GMT

I guess I thought them seeing huge payments would make them realize ok this guy will take care of the bill, but I guess I was wrong.

Re: Is Synchrony notoriously difficult with amazon store card CLIs?

Anonymous — Fri, 23 Feb 2018 23:36:17 GMT

With my synch Amazon store card, i went from SL 2700 to 4k @10months. 2 weeks later asked again and went to $10k

I think i put $900 on when i first got it and PIF or over maybe 2-3 months, cant rembemer, but it was sock drawed pretty much since i got it.

But at the same time I applied and approved for the Chase Amazon Prime VISA at a measely $500

other then maybe $20, i dont use it. at 10+ months not a single auto CLI (at not going to use HP for one!)

So it seems like just the lottery, you either get lucky or you dont.

Chase doesnt seem to like me, but Synch does?

besides the $10k in the Amazon store, I have lowes, walmart MC and BP visa for a combined $48k

Chase freedom and Chase amazon total= $7100

Re: Is Synchrony notoriously difficult with amazon store card CLIs?

Sixburgh79 — Fri, 23 Feb 2018 23:44:10 GMT

Credit in itself is simply one of the most annoying things on the planet to me because the way it varies person to person is insane. It just sucks because I was so pumped when I was getting auto CLIs with it very quickly then all of the sudden they just drop it because they said my overall credit utilization was high, which it was at like 80% at the time. But when they did that I had everything paid down to about 20% util about a month or so after. Sucks they don't seem to care or see that.

Re: Is Synchrony notoriously difficult with amazon store card CLIs?

Anonymous — Sat, 24 Feb 2018 13:00:03 GMT

My Sync Amazon card was my first Sync card

For a while it was my most used

It was also the only one of my three sync accounts to...

1. Not get a CLI when I asked for it

2. Require me to do identity verification three times (my three credit reports all list my name differently, as i have a roman numeral suffix IV, so one says 4, one says IV, one doesnt list it, so sometimes i have to verify who the hell i am because of it)

3. Not give me a justifiable reason for not giving me the CLI, its always "insufficient experience at current credit line"

4. Continuously email spam me about how im not using all of my available credit, and that I am not signing up for all my prime membership stuff, and that I can get X amount off by doing this that or whatever. Spam spam spam.

Really fool? Thats why you took me from 200 to 2000 on BP before it even cut its second statement (10x CLI), and 500 to 3500 on Walmart on its third (7x CLI)?

600 SL, eight months later still 600 (0xCLI)

Fricken lol.

Re: Is Synchrony notoriously difficult with amazon store card CLIs?

Sixburgh79 — Sat, 24 Feb 2018 13:02:52 GMT

Yea that's the irony there, in the same time period I got declined for my cli on Amazon I then went and turned my 1500 Walmart into 3500 instantly.

They seem to have zero consistency

Re: Is Synchrony notoriously difficult with amazon store card CLIs?

steelers1 — Sat, 24 Feb 2018 13:39:50 GMT

@Sixburgh79wrote:
Hello everyone new here, I've read many posts on the site here and figured it's time to join up and ask some questions and hopefully learn some other new things.

So like a year and half ago I'd say, can't remember the timeline I got my amazon store card and it started at like 2k, and I was getting automatic increases which were nice and it bumped to 6k pretty quickly.. I at one point made a purchase and had 4k of that used up. Well I was planning my attack to lay some huge payments on it, but they one day lowered my credit line within like 100 bucks of where It was used. I called and they said it was due to the utilization.

I then made not long after a 4,000 payment on it. And it hung there for awhile, I put eventually another grand on it, and then paid it down to like 200 bucks. And it has been that way for a bit now.

Anyways I've been repairing my credit over the years, last year got a new discover, citibank, chase and amex card... And yet synchrony just won't budge anymore.

I would eventually either like an Amazon visa or I'll just use my other good cards like my discover or amex for Amazon shopping... But still the principle of simply having a higher credit line is nice to build on.

Is Synchrony just difficult like this? I've made some huge strides in getting my credit back in good shape and they just beat my credit line down even after huge payments and nothing. Would love if someone has some similar experience perhaps.

@Sixburgh79 - By the way love your name. What does it mean? JK LOL!

Where have you been requesting CLI's?

If you using the button or chat and you haven't tried calling Credit Solutions maybe you should.

When I would call my results were always much better. The number is 877-379-8173.

Good Luck.

Re: Is Synchrony notoriously difficult with amazon store card CLIs?

Sixburgh79 — Sat, 24 Feb 2018 13:48:59 GMT

Haha, good to see a fellow Pittsburgher around here!

I'll be sure to give them a call man, I appreciate that because yea i went thru the online button and then contacted synchrony via the chat tab there.

Do you think they have a little more pull?

I think the thing that really bugs me is simply how it was dropped. If I was still sitting at 6k CL I wouldn't be as worried if it increased as much.

Re: Is Synchrony notoriously difficult with amazon store card CLIs?

steelers1 — Sat, 24 Feb 2018 14:42:53 GMT

@Sixburgh79wrote:
Haha, good to see a fellow Pittsburgher around here!

I'll be sure to give them a call man, I appreciate that because yea i went thru the online button and then contacted synchrony via the chat tab there.

Do you think they have a little more pull?

I think the thing that really bugs me is simply how it was dropped. If I was still sitting at 6k CL I wouldn't be as worried if it increased as much.

The button has never done too much for me and chat has always been hit or miss.

Credit Solutions has usually come through when the other methods haven't.

Good luck and keep us posted.

Re: Is Synchrony notoriously difficult with amazon store card CLIs?

Anonymous — Sat, 24 Feb 2018 15:26:03 GMT

So your total UTI was ~80% when they CLD you? That’s not really a surprise. What is it now? Definitely call credit solutions for CLI’s though. Forget the button is even there.

Re: Is Synchrony notoriously difficult with amazon store card CLIs?

Sixburgh79 — Sat, 24 Feb 2018 15:34:48 GMT

Midwest, no here's pretty much what happened. So early last year I got my amazon store card and it was like 1500 CL I believe, and my overall util was at like 50%... Well quickly it rose to 6k CL. But I made a few purchases with it and even with some other cards I had to end up using, and around mid summer I had my amazon card at about 4/6k used up, and my overall util on cards was about 75 to 80 %. Which I knew was bad and had to hammer down, and planned to.

Randomly my amazon card dropped to 4400 from its 6k limit. They did the same with my Walmart which was like 1800 limit and they dropped it to about 50 bucks above where it was at which was about 1300.

But end of summer I came into some cash to help pay a ton of debt down, went to about 20% util. Scores shot up and everything was solid, opened discover, amex, chase and citi cards.

I then went to sync to get my CL back to 6k and declined. However they bumped my Walmart to 3500. That was around fall. Tried again for Amazon yesterday and declined again. And my amazon card is 400 out of 4400 used, and overall util is 23%.

So that's where I'm at with it.

Re: Is Synchrony notoriously difficult with amazon store card CLIs?

Anonymous — Sat, 24 Feb 2018 19:58:39 GMT

I opened my card in March 2015 (right after they started offering 5% cash back) with a $1700 SL. Got automatically increased to $2400 around 3 months later, and I was increased to $3000 that October (I can't remember if I requested it or if it was an auto-bump). In May 2016, I requested an increase and they gave me $5000. I've requested CLIs on that card periodically, but I've had no movement since (up or down).

I always pay that card in full, I don't think I've ever had a statement more than $300, and it's just a store card- so $5000 is honestly more than I need. It's just interesting that I saw a lot of growth early on, and then nothing.

Re: Is Synchrony notoriously difficult with amazon store card CLIs?

Anonymous — Sat, 24 Feb 2018 22:52:00 GMT

I haven't experienced this myself with SYNC yet. Not saying that I won't in the future. But my wife had a few SYNC cards and when her credit went into the crapper years ago (which we are fixing by the way) she would pay off the amounts on the SYNC cards and then they would lower the amount to like $100 or $200 of credit, then eventually just close the card without notice at all.

Of course that seems very common of SYNC is to close all of your cards with them when your credit takes a hard dive into bad areas like missed payments and so forth. Which makes complete sense and I can see why any company would not want to keep extended credit out to you when it shows you're not responsible at all.

As everyone else has stated though, I would contact credit solutions over the phone. I contacted them once I got my Lowe's card because it had a small starting limit and I wanted to see if they would raise it. Which they did from I think like $1k to $3500, which isn't a ton but it was better than the starting limit and now that card is up to $6500 after only 4 months of having it in my pocket!