Did I screw up before I ask for CLI from Amazon & Walmart?

[Anonymous]

I need some advice from the Synchrony Bank MyFico mafia (you know who you are on here).

I've been to use the correct credit terminology (gardening) come October 1st, 2015 39 months since I last did a credit application (I know I know don't have a panic attack on me credit app junkies...take a deep breath and blow into a paper bag).

Those two apps were Wal-Mart and Amazon store card. 

In this entire time period, I have never (slaps himself in the face back and forth) asked for a CLI from either of these Synchrony Bank backed cards (credit ignorance before I found CB and Myfico is expensive I tell you) and I was approved for the Wal-Mart MasterCard in late August. Before my Wal-Mart Cinderella slipper falls off on October 9th, which is my deadline to say no to the upgrade. I want to ask for $25K from Wal-Mart and hope they counter to at least $4K-$5K and so I will have an MC at that credit limit when it converts over. Same for Amazon ask for $25K and hope for a decent counter.

But I think I might've messed up from all the reading I've done on here.

I usually use both cards at least once a month for the most part and my last statements just cut (Amazon is tomorrow) and both are at zero balances. I had purchases showing on both cards from my last statements (August). 

My question is should I buy something on (9/19 day after the Amazon statement cuts) on both cards and then pay them both off once both items post online in three or four days. Still knowing that my due date 10/7 and statement date 10/14 for Wal-Mart is going to be past when I ask for the CLI on October 5th. For Amazon my next due date is 10/10 and statement date is 10/18. 

I don't want my current zero balances to not be zero the day I ask for the CLI, but I've read to make sure you use the cards every month and PIF at least 2-4 statements for maximum CLI juice before you ask for the CLI. My credit every month from now until next summer will see dramatic score increases every month from my remaining few baddies following off and I will be 100% baddie free by no later than August-2016. My credit prison release date for time in credit hell served!

Thanks for any help in advance and may the credit Gods bless you with massive credit lines and wives that don't max them all out.

Sincerely,

Mr. CreditLuv

[Anonymous]

Good morning. I just got 5 credit limit increases on all 5 of my synchrony accounts. Here goes:

Walmart was $1400, I asked for $20,000, was countered with $4000. My balance at the time on card was $347.
Amazon was $800, I asked for $10,000, was countered with $5,000. My balance at the time was $300.
American Eagle was $400, I asked for $20,000 and was countered with $4,000. My balance on the card at the time was $0.
JC Penny was $500, i asked for $20,000 and was countered with $6,000. My balance at the time was $0.
Cheveron/Texaco was $500, I asked for $5,000 and was countered with $2,000. My balance at the time was less than $100.
76 Station was $500, I asked for $5,000 and was countered with $3,000. My balance at the time was about $100.
I got theses increase about a week ago. Don't wait! Synchrony is giving them out like candy. Some of these accounts I had about 4 months with $0 balances on them and I still got increases. Shoot big!

[Anonymous]

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@Anonymous wrote:
Good morning. I just got 5 credit limit increases on all 5 of my synchrony accounts. Here goes:

Walmart was $1400, I asked for $20,000, was countered with $4000. My balance at the time on card was $347.
Amazon was $800, I asked for $10,000, was countered with $5,000. My balance at the time was $300.
American Eagle was $400, I asked for $20,000 and was countered with $4,000. My balance on the card at the time was $0.
JC Penny was $500, i asked for $20,000 and was countered with $6,000. My balance at the time was $0.
Cheveron/Texaco was $500, I asked for $5,000 and was countered with $2,000. My balance at the time was less than $100.
76 Station was $500, I asked for $5,000 and was countered with $3,000. My balance at the time was about $100.
I got theses increase about a week ago. Don't wait! Synchrony is giving them out like candy. Some of these accounts I had about 4 months with $0 balances on them and I still got increases. Shoot big!

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I had similar experiences.  I don't think it matters whether or not they have a balance.  None of my synchrony cards had a balance (total of 5) and I got similar increase to Mabellives.   As long as your overal credit picture supports an increase you shouild be fine.  And given that they have offered to convert your WM to a MC.  Your scores should be good to go.  Aim high, they will counter. 

[Anonymous]

Go to chat and do it now!!! Aim high.. they are awesome at CLI's right now

[Anonymous]

@Mabellives

When you applied what was your MyFico, CCT or Wal-mart Transunion score? That is who Synchrony Bank uses for pulls.
Believe me, I'm going to ask for $25,000 credit lines for each of these two cards and on the recon from Lowe's (if I get approved) for that amount as well.

[xautodetail]

well i not have lock on amazon on the 3or statement cut on walmart i have CLI 500 to 1100.00 we out ask i am ask online for amazon is not approved i have 5 month on amazon on 800 CL 

[Anonymous]

I had $0 balances on both amazon and walmart got increases on both. 1k to 5k and 800 to 5k

[Anonymous]

@arejayeye
What was your MyFico, CCT or Wal-mart Transunion score when you asked for the CLI?

How much did you ask for with the credit analyst on each $5K or $10K?
I hoping for the exact same or higher CLI that you got on both cards. My Amazon is also $1,000 like yours was, but Wal-mart is a very sad clown at $400.

[Anonymous]

camt speak on the walmart but for amazon (and my sams) you are overthinking things. My amazon went from 800 to what it is today in 2 months. My sams went form 1200.  Both times 0 balance.

my scores were also 80 to 100 points lower