Amazon CLI Denied by Credit Solutions

[Creditaddict]

Hit 4 months and hit the luv button and got nothing....

Call credit solutions and he put me on hold for over 5 minutes and declined me also.

Current CL $900, sits as 1 of my lowest Sync Cards... They are such an odd odd bank but can't be to upset I guess besides it makes no logical sense considering all the lines I have with them.

[chalupaman]

Synchrony can be pretty weird sometimes but I've learned to accept the weirdness in some ways. Amazon Store card for me is one of the TLs I have with them that's grown the most overtime from just a $600 limit when I got it about 9 months ago. and the WalMart card was the one that grew the least and was hardest to budge. Sorry you're having trouble there. Maybe there really is some kind of internal limit that they have and that maybe you've reached that point for now. I've been wondering the same thing about Comenity but there seems to be hardly any bounds to them.

[TRC_WA]

Synchrony sucks.  

They are a lender for rebuilders.... which is fine, just don't expect them to grow with you when you graduate to premium cards.

I didn't have a problem closing out my pair of gas cards and Walmart ($650 and $900 limits) because they were useful when I got them a year ago... and useless now.  

I kept the only useful Synchony card... and also happens to be the one with the highest limit... Care Credit.

No plans to ever app with Synchrony again... and that's a wonderful thing because it means I don't ever have to call India Credit Solutions for a CLI.

[Creditaddict]

I HIGHLY disagree that they are ONLY a rebuilding bank... they back some very prime cards (lowes tops my list!)

[TRC_WA]

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@Creditaddict wrote:

I HIGHLY disagree that they are ONLY a rebuilding bank... they back some very prime cards (lowes tops my list!)

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When I said premium I was referring to major credit card branding... 

http://www.creditcardcatalog.com/credit-cards-issued-by-ge-capital-retail-bank/

Sure they have a few... but 95% of what they offer are retail store cards.  I don't need a $25k Lowes card... only useful for padding the UTI.

[chalupaman]

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@TRC_WA wrote:

Synchrony sucks.  

They are a lender for rebuilders.... which is fine, just don't expect them to grow with you when you graduate to premium cards.

I didn't have a problem closing out my pair of gas cards and Walmart ($650 and $900 limits) because they were useful when I got them a year ago... and useless now.  

I kept the only useful Synchony card... and also happens to be the one with the highest limit... Care Credit.

No plans to ever app with Synchrony again... and that's a wonderful thing because it means I don't ever have to call India Credit Solutions for a CLI.

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The last part I really agree with. I've never had luck with Credit Solutions ever and a lot of people really talk about it. I've always had better luck with the chat, auto CLIs, the automated system by phone and the CLI button a few times. 

[pizza1]

CA... Can't get them to budge either on my $1k card. But I haven't used it in almost 3 months, guess I need to make a little purchase

As far as synch being only for rebuilders.... That may be true, but I have a purpose for all my synch cards, and love them! Lol... Having these cards will not deter major prime lenders from issuing you a card in the future. It's not like the analyst is sitting there going.." Oh look, she has a Walmart card, I can't believe she would apply to us, declined!" Totally overrated!!

[IaBoy62]

Sorry you were shot down for a CLI at Amazon. I have been stuck at $700 for almost 2 years.......AND my gf and I placed 122 orders from Amazon in 2014!

Synchrony has been great with some of my accounts but Amazon is the one I use the most and they alwyas deny me. I hope to hear if you do get an increase .

[TRC_WA]

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@pizza1 wrote:
CA... Can't get them to budge either on my $1k card. But I haven't used it in almost 3 months, guess I need to make a little purchase

As far as synch being only for rebuilders.... That may be true, but I have a purpose for all my synch cards, and love them! Lol... Having these cards will not deter major prime lenders from issuing you a card in the future. It's not like the analyst is sitting there going.." Oh look, she has a Walmart card, I can't believe she would apply to us, declined!" Totally overrated!!

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It doesn't have to do with prime lenders being deterred by all your Synch accounts...

It has to do with the fact that 95% of Synch cards are retail store cards with most being toy limit... which I already linked.  Sure you see the $25k Lowes cards...but more often than not it's toy limits.

I don't need a $250 American Eagle card or a $500 Pep Boys card... or the accounts I just closed.... $650 76, $650 Chevon and $900 Walmart.  They were useful when I started rebuilding... but now, not so much due to the fact I have premium cards with rewards.

[merlinflex]

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@TRC_WA wrote:

Synchrony sucks.  

They are a lender for rebuilders.... which is fine, just don't expect them to grow with you when you graduate to premium cards.

I didn't have a problem closing out my pair of gas cards and Walmart ($650 and $900 limits) because they were useful when I got them a year ago... and useless now.  

I kept the only useful Synchony card... and also happens to be the one with the highest limit... Care Credit.

No plans to ever app with Synchrony again... and that's a wonderful thing because it means I don't ever have to call India Credit Solutions for a CLI.

 Rebuilders?  how is that? I have the Amazon Store card with a $5900K limit from the start

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