Amazon Synchrony CLI wait period - Update Denied

[alexvale]

Just got off the call with CSR and the request was denied... they'll send a letter, as usual.

I'm not sure why... my credit score has been bumped up by a lot, TU 740 EX 730 EQ 748 with just 2 HP on file in the past 1yr...

[Anonymous]

That is strange, perhaps you need a little more time with them before they begin to budge. When I first opened Amazon/Walmart in August, I didn't get a CLI until November (from 1.4k to 4k on both) and I did it online but my denied increase afterwards from 4k to 5k was denied for Amazon and I called and got them to match my 5k Walmart limit that I did the same day online. 

I'd say give it another 2 weeks before attempting again, say like after your next statement cuts.

[alexvale]

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@Anonymous wrote:

That is strange, perhaps you need a little more time with them before they begin to budge. When I first opened Amazon/Walmart in August, I didn't get a CLI until November (from 1.4k to 4k on both) and I did it online but my denied increase afterwards from 4k to 5k was denied for Amazon and I called and got them to match my 5k Walmart limit that I did the same day online. 

I'd say give it another 2 weeks before attempting again, say like after your next statement cuts.

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 I've had the account for about 3yrs now... started with $300 and they increased about every 3mo until it reached $900.  Then I did the online CLI and was auto approved up to $1.9K.   The last denial letter said too short period on new CL but that increase was back in August... about 6mo ago.  so the wait is about 1yr between CLI request? :/ 

Both Synchrony accounts, PayPal smart connect and Amazon store card, are the lowest of my credit lines... not sure why they're being so stingy with my CLs.

[ls2016]

OP, wonder if it has anything to do with your current income, usage, and overall utilization? Just curious!

[alexvale]

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@ls2016 wrote:

OP, wonder if it has anything to do with your current income, usage, and overall utilization? Just curious!

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Don't think is the case... I was recently approved, last month, for BoA and a big CLI for Chase Freedom (2k to 7K) and my current UR is 20% from 30% when I was approved for those cards with the same income.

[UncleB]

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@alexvale wrote:

Just got off the call with CSR and the request was denied... they'll send a letter, as usual.

I'm not sure why... my credit score has been bumped up by a lot, TU 740 EX 730 EQ 748 with just 2 HP on file in the past 1yr...

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If you called the regular customer service number this won't surprise me at all... if you called credit solutions I'll honestly be shocked you were turned down, though.

With a TU of 740 you should have no trouble getting what you want.  Did they put you on hold to check your credit?  If not then you called the wrong place; in my experience credit solutions will usually put you on hold for a couple of minutes to do the SP. 

Note:  Credit Solutions is almost always a soft pull, even when they put you on hold to do the check.

Note#2:  There are several numbers for Credit Solutions; my personal favorite is (877) 379-8173. 

[alexvale]

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@UncleB wrote:

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@alexvale wrote:

Just got off the call with CSR and the request was denied... they'll send a letter, as usual.

I'm not sure why... my credit score has been bumped up by a lot, TU 740 EX 730 EQ 748 with just 2 HP on file in the past 1yr...

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If you called the regular customer service number this won't surprise me at all... if you called credit solutions I'll honestly be shocked you were turned down, though.

With a TU of 740 you should have no trouble getting what you want.  Did they put you on hold to check your credit?  If not then you called the wrong place; in my experience credit solutions will usually put you on hold for a couple of minutes to do the SP. 

Note:  Credit Solutions is almost always a soft pull, even when they put you on hold to do the check.

Note#2:  There are several numbers for Credit Solutions; my personal favorite is (877) 379-8173. 

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The number the CSR on the chat gave me was 877 379 4936... Both chat and call CSRs asked me to wait for like 3min and they both gave me a different answer... I'll call that number you gave and see if I have better luck them.

Just got notified that the new BoA account with it's balance (60% UR since it's BT) was report to my credit file yesterday, but that shouldn't have given me a full denial.