My advice to you would be to pay down some of your debt to decrease your utilization. Synchrony is a tough bank, but keep using your card and PIF before due date to increase chances. Have you tried calling synchrony bank or do you make your request online? Online only increased me to 1400 from 500. When I called the bank, they bumped me to 6,000.
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:Hi all,
I have had my Synchrony (Amazon and Walmart) cards for going on 4 months now. I have read that 4 is the magic number to request a CLI with Sync. Thing is, I have made requests monthly since getting approved and am always denied, reasons being baddies on my CR (old loans in collections) Will this still prevent me from getting a CLI with them even after 4 months of early / multiple / much-more-than-the-minimum payments? I have a $600 CL on each, TU FICO was 631 last month but probablly went down due to higher UTIL (will be paying it down next week though) Or will I just be unable to ever get a CLI with Sync with baddies on my reports?
Thanks!
ETA: I have tried calling Credit Solutions, tried the LUV button and tried via online chat. Never any luck.
Also, I have requested during different stages of UTIL. Get denials with even 6% UTIL.
What is your stated income? I have been given one CLI each thru chat and thru calling Credit Solutions (both before 4 months). Each time they asked for my income ($130,000), asked me to hold for 2 to 3 minutes, then came back saying CLI approved. Lower income could be a factor if you're not getting CLIs.
About $48,000. Wonder if they think that's too low?
I dont think its a problem with income. They are more than likely not willing to move you up due to the negatives on file. I hit a wall with them at 3500 on Chevron with a clean report except for an old BK and once it dropped I was easily able to move up to a higher limit. I would work on getting the baddies taken care of. Good luck 
