topic Re: My very first ge/synchrony SP denial in Credit Cards

My very first ge/synchrony SP denial

woodyman100 — Thu, 03 Jul 2014 15:03:04 GMT

Went for my SAMs 4th statement luv button and denied. I've been shot down at credit solutions and for not waiting for the 4th statement before, but this is a first. I only want the CLI for utilization. I'm wondering if the change to Synchrony has altered the business model.
Don't get me wrong though. I'm not upset in any way, I'm just posting my experience. I'll wait and see what the letter says and update all of you.
Lowes is the one that I do want to increase because I have some major home improvements I need to do and I don't want to max it out

Re: My very first ge/synchrony SP denial

mongstradamus — Thu, 03 Jul 2014 16:36:14 GMT

@woodyman100 wrote:
Went for my SAMs 4th statement luv button and denied. I've been shot down at credit solutions and for not waiting for the 4th statement before, but this is a first. I only want the CLI for utilization. I'm wondering if the change to Synchrony has altered the business model.
Don't get me wrong though. I'm not upset in any way, I'm just posting my experience. I'll wait and see what the letter says and update all of you.
Lowes is the one that I do want to increase because I have some major home improvements I need to do and I don't want to max it out

I have had better luck calling in and getting CLI that way.you may want to try that

Re: My very first ge/synchrony SP denial

SunriseEarth — Thu, 03 Jul 2014 19:13:13 GMT

The 4th statement CLI isn't a guarantee. My JCP has been great about it, but Wal-Mart took 5 or 6 statements and Amazon took me even longer.

Re: My very first ge/synchrony SP denial

capitalkid — Thu, 03 Jul 2014 22:05:42 GMT

Had this Exp with JCP last week, last CLI was Jan 2014. So I am either maxxed out for CL or its getting funky. I will say PPXTRAMC gave 1500CLI and Lowes CLI was 1800 same day. SO I just dont know. I have had plenty of soft pull denials and approvals, but most the denials, if they are for clipping the button too early will say

"not enough time at your curent credit line experience".

Re: My very first ge/synchrony SP denial

gdale6 — Thu, 03 Jul 2014 22:27:53 GMT

@woodyman100 wrote:
Went for my SAMs 4th statement luv button and denied. I've been shot down at credit solutions and for not waiting for the 4th statement before, but this is a first. I only want the CLI for utilization. I'm wondering if the change to Synchrony has altered the business model.
Don't get me wrong though. I'm not upset in any way, I'm just posting my experience. I'll wait and see what the letter says and update all of you.
Lowes is the one that I do want to increase because I have some major home improvements I need to do and I don't want to max it out

If you have a BK on file there is a per card limit they will expose themselves to, mine is 3500 per card, cant get a CLI above this figure even though they dont use the BK against me on the denial letter, just a bunch of std BS, I dont even bother with Synchrony cards anymore they are all SD, no rewards and i just keep them around for utilization purposes.

Re: My very first ge/synchrony SP denial

woodyman100 — Fri, 04 Jul 2014 01:34:59 GMT

I got the letter today. It says "not enough time at the current level". I went back and made sure that 4 statements had cut and they had. It dawned on me that I had upgraded my sams membership and the lady at the counter said she had to report it stolen/lost in order to get a new card. This might have reset the clock.

Re: My very first ge/synchrony SP denial

woodyman100 — Fri, 04 Jul 2014 01:46:56 GMT

@gdale6 wrote:
@woodyman100 wrote:
Went for my SAMs 4th statement luv button and denied. I've been shot down at credit solutions and for not waiting for the 4th statement before, but this is a first. I only want the CLI for utilization. I'm wondering if the change to Synchrony has altered the business model.
Don't get me wrong though. I'm not upset in any way, I'm just posting my experience. I'll wait and see what the letter says and update all of you.
Lowes is the one that I do want to increase because I have some major home improvements I need to do and I don't want to max it out
If you have a BK on file there is a per card limit they will expose themselves to, mine is 3500 per card, cant get a CLI above this figure even though they dont use the BK against me on the denial letter, just a bunch of std BS, I dont even bother with Synchrony cards anymore they are all SD, no rewards and i just keep them around for utilization purposes.

You're right about the rewards on most. Most of the "rewards" are just disguised store coupons. I do like the Ebates card and walmart and Lowes. Ebates will get you cash back over and above a normal discount if you play the game right. Lowes and Wamart have the 0% financing deals. Quite frankly, if the 0% deals weren't there! I wouldn't need the cards anymore. Like you said. Utilization would be the only reason

Re: My very first ge/synchrony SP denial

xXIDaShizIXx — Sat, 05 Jul 2014 00:25:10 GMT

guys this is over my 8th statement and still nothing on mine. GE/Synchrony really hates me.

Re: My very first ge/synchrony SP denial

B335is — Sat, 05 Jul 2014 01:43:28 GMT

The GE 4th statement CLI is not a sure thing, as pointed out. 8 statements seems a bit long to not get anything, but with any lender there's many factors involved. I've gone 10 months on my Amazon acct and they won't give me any more.