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

[Anonymous]

To me it's just annoying. I understand it's a "rebuilder card" but $250? I believe the minimum finance deal at 0% is $299, I can't even do that. It doesn't provide utilization cushion, I have several cards with TU credit scores, I don't use the gas stations. Pointless for me at this time. At least a normal CC at $250 I could use elsewhere..

[Anonymous]

---

@Anonymous wrote:
To me it's just annoying. I understand it's a "rebuilder card" but $250? I believe the minimum finance deal at 0% is $299, I can't even do that. It doesn't provide utilization cushion, I have several cards with TU credit scores, I don't use the gas stations. Pointless for me at this time. At least a normal CC at $250 I could use elsewhere..

---

Heres my little story to help you and see how it goes. I started off with a Walmart store card way back in May 2015 starting limit $150 yes $150 is right like you I was like how in the world will I work with that amount. I started using the card here and there small amounts and kept paying in off. Several attempts in CLI no go many months past by this time my score slowly climb still no go with CLI. So I decided to apply for another card back by Sync which was Amazon boom approved since I shop at amazon a lot not sure why I didn't so it sooner, was approved for $800 was an improvement so I continued on use it a little PIF. Now I tried with CLI with Sync getting my Walmart up BOOM! instant 3.5K excited I was also next day called for amazon CLI mind you was only two weeks old same increased to 3.5K After that smooth sailing! Now I have so many Sync cards nearing total close to combined CL of 75K exciting yes now my score with in the 7 months or so staying steady at 700-720+ So just bare with them Sync is excellent I love them No issues what so ever. Hope this helps you.

[Anonymous]

It seems to me personally that sync bank will raise your limit if you use the card, get it up to 50 percent a few times and then ask for a cli.. Why would they give you a cli if your at zero percent usage and pay it off all the time ?

[lg8302ch]

---

@Anonymous wrote:

It seems to me personally that sync bank will raise your limit if you use the card, get it up to 50 percent a few times and then ask for a cli.. Why would they give you a cli if your at zero percent usage and pay it off all the time ?

---

I do not have any Synchrony cards but would also have suggested to try out this option. Use the card and let 50% of the limit report. If you pay down before statement cut date make sure to let 30-50% utilization report.  If you let 0 balance report it gets 0% utilization this could be the reason for not getting a CLI. If you want to let all but 1 account report 0 balance then make sure you use the Walmart card as the card to let the balance report and try gain with your CLI request. At the same time be patient...it will not happen overnight. With use of the card I am pretty sure you will get your CLI after a while.

[Anonymous]

I went from $400 to $5000 in 4 months of having thecard. stick with it

[ddemari]

My experience with synch bank- TU FICO 640-650's they don't play nice. Get your score above 685 to 690s and they work with u.

[Anonymous]

They won't give me a CLI either. I got one CLI from 4500 to 30k (lowes) . All my other cards nada. And I use them all the time. I've tried different senerios, ran it up to 90% PIF, 50% let it report, 50% PIF, put 2000 through a 500$ card. Nada. Like I've always said I think they have a jar on their desk with a bunch of yes and Nos in it. It's probably like 5 to 1. If they pull a yes you get one. Lol. I'm just throwing them in the SD I have better cards to earn rewards on than trying to get a CLI.