topic Large CLD from Sync in Credit Cards

Large CLD from Sync

Anonymous — Sun, 23 Jan 2022 22:57:02 GMT

Credit Karma alerted me of a CLD on Rakuten card, from $15K to $5024. My last payment was Oct 2020. So looking for a good title for a post: "Beware the evil Satanic scum of Sync"? Or is that too mild?

Re: Large CLD from Sync

coldfusion — Sun, 23 Jan 2022 23:07:23 GMT

"Synchrony auto-CLD'd my sockdrawered card" would be more accurate. The new CL ending in "24" is the tipoff.

Historically if you called in and spoke to a CSR you could get the entire limit restored as a one-off. No idea if they have changed their policy since the feds started keeping close tabs on their loss reserves.

Re: Large CLD from Sync

wasCB14 — Sun, 23 Jan 2022 23:10:29 GMT

Do you have any other cards with them? Any big changes in balances on other cards?

Re: Large CLD from Sync

AverageJoesCredit — Sun, 23 Jan 2022 23:25:50 GMT

@Anonymous wrote:
Credit Karma alerted me of a CLD on Rakuten card, from $15K to $5024. My last payment was Oct 2020. So looking for a good title for a post: "Beware the evil Satanic scum of Sync"? Or is that too mild?

The title should be ALL IN CAPS.

Re: Large CLD from Sync

FinStar — Sun, 23 Jan 2022 23:28:42 GMT

@Anonymous - The xx24 is indicative of a non-activity CLD. You can reach out to the Credit Solutions team to see about having it restored -- if you wish to have the original limit and/or will be using the card more frequently. Otherwise, it sounds like you did not miss much since it wasn't a fairly active card since 2020 🤷‍♂️

Re: Large CLD from Sync

Anonymous — Sun, 23 Jan 2022 23:35:52 GMT

@AverageJoesCredit wrote:
@Anonymous wrote:
Credit Karma alerted me of a CLD on Rakuten card, from $15K to $5024. My last payment was Oct 2020. So looking for a good title for a post: "Beware the evil Satanic scum of Sync"? Or is that too mild?
The title should be ALL IN CAPS.

Very good point!

Re: Large CLD from Sync

Anonymous — Sun, 23 Jan 2022 23:37:57 GMT

@FinStar wrote:
@Anonymous - The xx24 is indicative of a non-activity CLD. You can reach out to the Credit Solutions team to see about having it restored -- if you wish to have the original limit and/or will be using the card more frequently. Otherwise, it sounds like you did not miss much since it wasn't a fairly active card since 2020 🤷‍♂️

Yes, I know! Should have included some smileys in my OP, I was being (I thought) not so subtly disrespectful of the "AVOID/PSA!!!" type posts, that are indeed in all caps as @AverageJoesCredit notes!

Re: Large CLD from Sync

NRB525 — Mon, 24 Jan 2022 00:47:02 GMT

@Anonymous wrote:
Credit Karma alerted me of a CLD on Rakuten card, from $15K to $5024. My last payment was Oct 2020. So looking for a good title for a post: "Beware the evil Satanic scum of Sync"? Or is that too mild?

You haven't been using the card for 15 months and it's their fault?

I thought Rakuten was da bomb at that time, lots of stacked points earning? Or did that change?

Re: Large CLD from Sync

NRB525 — Mon, 24 Jan 2022 00:48:09 GMT

@Anonymous wrote:
@FinStar wrote:
@Anonymous - The xx24 is indicative of a non-activity CLD. You can reach out to the Credit Solutions team to see about having it restored -- if you wish to have the original limit and/or will be using the card more frequently. Otherwise, it sounds like you did not miss much since it wasn't a fairly active card since 2020 🤷‍♂️
Yes, I know! Should have included some smileys in my OP, I was being (I thought) not so subtly disrespectful of the "AVOID/PSA!!!" type posts, that are indeed in all caps as @AverageJoesCredit notes!

There is an option here to edit your prior posts.

Re: Large CLD from Sync

FinStar — Mon, 24 Jan 2022 01:01:21 GMT

@Anonymous wrote:
@FinStar wrote:
@Anonymous - The xx24 is indicative of a non-activity CLD. You can reach out to the Credit Solutions team to see about having it restored -- if you wish to have the original limit and/or will be using the card more frequently. Otherwise, it sounds like you did not miss much since it wasn't a fairly active card since 2020 🤷‍♂️
Yes, I know! Should have included some smileys in my OP, I was being (I thought) not so subtly disrespectful of the "AVOID/PSA!!!"

It's all good 😊 I know you're no fan of emojis 😂

So, what do you plan on doing with the card? Leave the limit as is or get it restored?

I'm surprised it lasted this long without closure! One of mine got a CLD (during 2020) and then eventually closed for inactivity. For sure I was thinking you'd be using your Rakuten CC a bit more.

Re: Large CLD from Sync

Anonymous — Mon, 24 Jan 2022 01:53:33 GMT

@FinStar wrote:

So, what do you plan on doing with the card? Leave the limit as is or get it restored?

I'm surprised it lasted this long without closure! One of mine got a CLD (during 2020) and then eventually closed for inactivity. For sure I was thinking you'd be using your Rakuten CC a bit more.

As I am not collecting MRs with it, it's just cashback, and I put all my 3% stuff on USAlliance. When (or if) that ends, I guess I would use this more if Rakuten offers the best discounts (for me it usually doesn't).

I am also looking at my Paypal which hasn't been getting much use since they added the FTF. Probably worth preserving (I have a $25K limit) so I might put some more spend on that.

Re: Large CLD from Sync

Brian_Earl_Spilner — Mon, 24 Jan 2022 02:15:34 GMT

I feel clickbaited, or ficofished

Re: Large CLD from Sync

Anonymous — Mon, 24 Jan 2022 02:31:05 GMT

@Brian_Earl_Spilner wrote:
I feel clickbaited, or ficofished

And now check your bank account!

Re: Large CLD from Sync

4sallypat — Mon, 24 Jan 2022 02:49:57 GMT

Ouch!

I better start putting some spend on my Synch cards.

Re: Large CLD from Sync

Duriel — Mon, 24 Jan 2022 03:39:11 GMT

@FinStar wrote:
@Anonymous - The xx24 is indicative of a non-activity CLD. You can reach out to the Credit Solutions team to see about having it restored -- if you wish to have the original limit and/or will be using the card more frequently. Otherwise, it sounds like you did not miss much since it wasn't a fairly active card since 2020 🤷‍♂️

Interesting. When I prequal for lowes the limit ends in 24. I wonder if they just think I wouldn't use it.

Re: Large CLD from Sync

Remedios — Mon, 24 Jan 2022 15:15:21 GMT

@Anonymous wrote:
Credit Karma alerted me of a CLD on Rakuten card, from $15K to $5024. My last payment was Oct 2020. So looking for a good title for a post: "Beware the evil Satanic scum of Sync"? Or is that too mild?

I think title is okay, it passed but you forgot "They are the worst. I'm a good customer, so I'm taking my business I never gave them somewhere else. That will show them!!!"

Re: Large CLD from Sync

M_Smart007 — Mon, 24 Jan 2022 15:49:17 GMT

@Remedios wrote:
@Anonymous wrote:
Credit Karma alerted me of a CLD on Rakuten card, from $15K to $5024. My last payment was Oct 2020. So looking for a good title for a post: "Beware the evil Satanic scum of Sync"? Or is that too mild?

I think title is okay, it passed but you forgot "They are the worst. I'm a good customer, so I'm taking my business I never gave them somewhere else. That will show them!!!"

I was anxiously awaiting this response^^^^^^^

Re: Large CLD from Sync

Remedios — Mon, 24 Jan 2022 17:05:01 GMT

Completely off topic, but does anyone else gets ear-wormed with "🎶 Rocket man 🎶" whenever they read/hear Rakuten

That's my reason for hating on Synch

Re: Large CLD from Sync

coldfusion — Mon, 24 Jan 2022 17:28:46 GMT

@Remedios wrote:
Completely off topic, but does anyone else gets ear-wormed with "🎶 Rocket man 🎶" whenever they read/hear Rakuten

That's my reason for hating on Synch

lol, no.

I'm still mighty salty at Rakuten for killing off FatWallet.

Re: Large CLD from Sync

OmarGB9 — Mon, 24 Jan 2022 18:32:22 GMT

@Remedios wrote:
Completely off topic, but does anyone else gets ear-wormed with "🎶 Rocket man 🎶" whenever they read/hear Rakuten

That's my reason for hating on Synch

I think of ramen for some reason. 🍜