topic Re: Synchrony Limit - Getting nervous in Credit Cards

Synchrony Limit - Getting nervous

ccpat — Sat, 04 Apr 2026 15:47:51 GMT

I know there are thousans of "Synchrony Closed My Account" threads but I can't find one that addresses the topic of what is their "watch it" limit.

I have 6 cards (Sams, PayPal, Care Cr, Lowes, Amaz, and WM) with a total of $81K in limits. I use the Sams, Amazon and WM on regular basis and pay off usually within 2 weeks. The other 3 I just keep movement on every 6 months...nothing major....usually under $200.

Not asking for any more CLI (I have enough). Income is over $170K and TU score is 773. Thick profile but everything gets paid off. Am I good? I love my Synch Cards and don't want them closed down. What usually spooks them?

Re: Synchrony Limit - Getting nervous

Varsity_Lu — Sat, 04 Apr 2026 15:53:40 GMT

@ccpat wrote:
What usually spooks them?

Have a Synch card? Spooked.

Apply for a Synch card? Spooked.

Ask for a CLI on your Synch card? Spooked.

Use any card other than Synch? Spooked.

Don't use a card other than Synch? Spooked.

Use your Synch card regularly? Spooked.

Don't use your Synch card regularly? Spooked.

Use a pre-approval tool for a different bank? Spooked.

Buy something at Buc-ee's? Spooked.

Log into you Synch app? Spooked.

Pay off a credit card? Spooked.

Carry a small balance on a credit card? Spooked.

Re: Synchrony Limit - Getting nervous

ccpat — Sat, 04 Apr 2026 15:58:13 GMT

Now I'm really nervous!! 🤣🤣🤣🫨🫨

Re: Synchrony Limit - Getting nervous

ElvisCaprice — Sat, 04 Apr 2026 17:48:11 GMT

I wouldn't get all worried about them, you have them, it is what it is. But I would plan on, over time, getting other cards to replace those stores/categories you need them for. Meanwhile collecting SUBS. Allowing you to eventually close or severally CLD some/all of them.

Re: Synchrony Limit - Getting nervous

ptatohed — Sun, 05 Apr 2026 03:48:39 GMT

@Varsity_Lu wrote:
@ccpat wrote:
What usually spooks them?
Have a Synch card? Spooked.
Apply for a Synch card? Spooked.
Ask for a CLI on your Synch card? Spooked.
Use any card other than Synch? Spooked.
Don't use a card other than Synch? Spooked.
Use your Synch card regularly? Spooked.
Don't use your Synch card regularly? Spooked.
Use a pre-approval tool for a different bank? Spooked.
Buy something at Buc-ee's? Spooked.
Log into you Synch app? Spooked.
Pay off a credit card? Spooked.
Carry a small balance on a credit card? Spooked.

Lol. You didn't list CLD request!

Re: Synchrony Limit - Getting nervous

AMJ50 — Sun, 05 Apr 2026 04:08:16 GMT

I just closed all three sync cards, PayPal Mastercard zero balance cld, PayPal credit and Verizon cld. Not very large limits had a care credit used once, then cld, then I closed it a few years ago. I saw the writings on the wall and closed them all. It feels like a load has been lifted off my solders.

Re: Synchrony Limit - Getting nervous

ElvisCaprice — Sun, 05 Apr 2026 05:29:16 GMT

I enjoy closing cards (dead weight) just as much as opening them.

Re: Synchrony Limit - Getting nervous

NoMoreE46 — Mon, 06 Apr 2026 12:42:25 GMT

@ccpat wrote:
I know there are thousans of "Synchrony Closed My Account" threads but I can't find one that addresses the topic of what is their "watch it" limit.

I have 6 cards (Sams, PayPal, Care Cr, Lowes, Amaz, and WM) with a total of $81K in limits. I use the Sams, Amazon and WM on regular basis and pay off usually within 2 weeks. The other 3 I just keep movement on every 6 months...nothing major....usually under $200.

Not asking for any more CLI (I have enough). Income is over $170K and TU score is 773. Thick profile but everything gets paid off. Am I good? I love my Synch Cards and don't want them closed down. What usually spooks them?

Your profile seems great but Synch is funny. When did you open the

last account ?

Re: Synchrony Limit - Getting nervous

pizzadude — Mon, 06 Apr 2026 14:20:27 GMT

In many of the reported cases of Synchrony AA, there isn't any obvious that their cardholders are doing or not doing to trigger it

I believe they likely have some internal risk management algorithms that make these decisions.

Re: Synchrony Limit - Getting nervous

ocheosa — Wed, 08 Apr 2026 01:55:39 GMT

@ccpat wrote:
I know there are thousans of "Synchrony Closed My Account" threads but I can't find one that addresses the topic of what is their "watch it" limit.

I have 6 cards (Sams, PayPal, Care Cr, Lowes, Amaz, and WM) with a total of $81K in limits. I use the Sams, Amazon and WM on regular basis and pay off usually within 2 weeks. The other 3 I just keep movement on every 6 months...nothing major....usually under $200.

Not asking for any more CLI (I have enough). Income is over $170K and TU score is 773. Thick profile but everything gets paid off. Am I good? I love my Synch Cards and don't want them closed down. What usually spooks them?

In the words of the great Oda Mae Brown -

"You in danger girl!"

Six cards at TCL $81K....you are well over the danger zone. I would start looking for alternates. My advice, be proactive, keep the three you want/need the most and let the others go. Do not touch that CLI button or call to discuss anything unless absolutely necessary (fraud, stolen/lost card).

I had five lines (1-4yr.), TCL $62K and they shut me down tout de suite. No rhyme or reason other than it was my turn at bat. Luckily it was a non-event as I had already set up alternates.

Sauron is always watching...