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Calling Credit Solutions for Synchrony

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halos24
Frequent Contributor

Calling Credit Solutions for Synchrony

Question when calling for a cli to credit solutions. Do you call and ask for multiple cli on the same call or just one at a time.

About to call for the first time on a couple of cards I have so wanted to know ahead of time.
MyFico 3B Scores: EQ: 3/22/16 (727), EX (710) TU (714)

Message 1 of 18
17 REPLIES 17
Creditaddict
Legendary Contributor

Re: Calling Credit Solutions for Synchrony


@halos24 wrote:
Question when calling for a cli to credit solutions. Do you call and ask for multiple cli on the same call or just one at a time.

About to call for the first time on a couple of cards I have so wanted to know ahead of time.

I have asked for multiple if i got approved on the first one.

if denied i usually call back even though i think it's still just a computer making the decisions there are a couple reps that i regularly talk to that I don't really get good vibes from.

Message 2 of 18
ddemari
Super Contributor

Re: Calling Credit Solutions for Synchrony

you can do either strategy. I usually call for one card and then call back a little while later for the next card lol. It probably is easier to just deal with the same rep. especially if you are yielding results! 

Message 3 of 18
Anonymous
Not applicable

Re: Calling Credit Solutions for Synchrony

I normally just do one card per try. I got great results. 

Message 4 of 18
MyLoFICO
Valued Contributor

Re: Calling Credit Solutions for Synchrony

I have done it both ways. I got the same results both ways. I would however recommend only doing one if you get someone who seems like they are in a bad mood. Also, you get the same results with chat because you are working with the same group of people (I think its a small pool of them as I get the same person quite often) so chat if you are nervous. But, if you chat, you will need to do 1 chat per request since the chat is driven by their website. If you are lucky you will get Mary, Jon, or Glen. All 3 have been very pleasant with me in the past. 


Experian: 677 (28) | TransUnion: 697 (27) | Equifax: 684 (6)
Gardening as of: 1-23-2018
Updated 1-25-18
Message 5 of 18
TRC_WA
Senior Contributor

Re: Calling Credit Solutions for Synchrony

I never had any luck calling Synchrony when I had multiple gas cards to go with my Care Credit.  They always cited my 5-6 year old Ch 13.

 

Now that the BK has fallen off my reports I'm tempted to call them... but I've been in the garden for a year so I guess I'll wait.  Care Credit is the only card I have with them now and it's a HP for CLI.

 

Boo....

FICO8 current as of : 10-20-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24
Message 6 of 18
Anonymous
Not applicable

Re: Calling Credit Solutions for Synchrony

I always get some guy named "steve" . I had a record of one night calling and hanging up on steve like 17 times before I finally just let him "help" me with a nice denial lol.

I swear the females are always so nice and helpful and the guys are perpetually in a bad mood and take 30 seconds before saying sorry, bye. 

 

If its a female csr I always ask for all 3 of my accounts to cli.  YMMV

Message 7 of 18
halos24
Frequent Contributor

Re: Calling Credit Solutions for Synchrony

Thanks everyone I tried yesterday on my GAP and PayPal but other denied, possibly because I had recently had a cli and both have a balance not sure. I did end up calling twice with no luck.

How often do you guys try after a cli denial?
MyFico 3B Scores: EQ: 3/22/16 (727), EX (710) TU (714)

Message 8 of 18
Creditaddict
Legendary Contributor

Re: Calling Credit Solutions for Synchrony

After next statement through chat
Message 9 of 18
Appleman
Valued Contributor

Re: Calling Credit Solutions for Synchrony

This thread convinced me to call and get an increase on my Amazon store card. They started with a $2,400 limit during my recent app spree. Tried the CLI button and said not available (account only had first statement).

 

Called today and asked for $6,000. I asked the CSR if it was a HP or SP. He says that we can no longer tell people it will be a soft pull because occasionally it is a HP.

He had me on hold 2 minutes and said $6,000 granted. Imagine I could have gone higher but will try that in 6 months, or at least before Christmas!

 

BTW Soft Pull for me

 

Message 10 of 18
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