Denied! Synchrony, again!! Anyone know what CR they use?

[Anonymous]

     I've had my Wal-Mart CC since July. Opened with a measly $250 limit. Credit score 635-640 at the time. Credit score at the beginning of Dec was 618 on TU. Called in simply because it was more than 5 months, no CLI. No luv button progress, or Credit Solutions.

             My TU score went up 55 points in 2 weeks. Naturally, I had the brilliant idea to call these people back yesterday. TU Score 673. Overall utilization 26% & Wal-mart Utilization 0% but was used this month & every month.

      My question is, do you think they used a new credit report yesterday? Or the one I get monthly on their website? Or the one from 2 weeks ago when I called? I just don't understand why they're not liking me. Obviously I know I can wait and call back in a month, 3 months or whenever. I don't want to because of the fact that I have an installment loan that will be reporting any minute. 

            I think this may be the one that I close this year along with VS. Apparently I don't have a whole lot of patience. I want a CLI! lol

[Billybob_TX]

They will send you a letter telling you which CR they used.

[Anonymous]

Don't close it yet. The luv will come. I was stuck for a year on my starting limit of $150. Couldn't even beg for a CLI. Once my TU score crossed the 650 threshold I did the online chat and was approved for a new limit of $3500, went from $800 to $3500 on my Amazon store card the next day. I saw somewhere, can't remember where, that Synchrony seems to have some structure where a 650 TU will get you $3500, 675 TU will get you $5000, 700 TU will get you $10k. I'm sure age of account and other things come into play. But, stick with them. Once you start getting increases, they grow quicker. Just takes time.

[elim]

Yep, have to get your scores up.  Just give it time and definitely don't close the card.

[undrtkr65]

I know they use transunion credit report but which score verison do they use my score just jumped to 645 fico 08 score. I guess once my wells fargo card updates to 0 I will call in. I got both my walmart, sams club and amazon card in sept of this past year. walmart and amzon limit is 800 and sams club is 500. No luv yet. I did read on here that after the 4th statement cuts people were getting increases.

[Anonymous]

That's why I was thinking I would be approved now. Transunion score is 673. I was thinking maybe they used my old credit report from earlier in the month.

[Anonymous]

I'll be closing mine soon since it's been stuck at $400 since I got it, and it's a rebuilder card in the first place.  Besides, walking into a Walmart gives me hives. 

[Anonymous]

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@Anonymous wrote:
That's why I was thinking I would be approved now. Transunion score is 673. I was thinking maybe they used my old credit report from earlier in the month.

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Did you call or did you use the luv button? FWIW, my assumption the button just looks at the previous SP where as chat or calling results in a new SP. it's worth keeping simply due to getting 5 cents a gallon discount for gas.

[bigpoppa09]

They use TU Fico08  and if u requested the increase 2 weeks ago they are using the old report u have to wait a couple of months so they will pull a new report. 

[pizza1]

Why does everyone always want to close their cards if they don't get a CLI?! Especially rebuilders....Im not a patient person either, but my BK forced me to be, and 2 yrs later....im sitting really good. Started all with low limit hell too. You just have to give it some time!