GE/Synchrony CLI

[keithbward]

So I had a wave of GE/Synchrony approvals in July and a wave in August. My reports are clean minus a 30 day late from 6/13 on all and a paid collection on my EQ and EX which leads to a 30 point differential from my TU report. I've always seen the call credit solutions after activation and that never worked for me, so I was just waiting my time. I see people say that they get auto CLI after 4 months and some say 4 statements. Some of my accounts didn't generate statements due to me paying in full month to month. Some did even following the same methods. I guess my main question is, based on your own personal experiences, when were you auto CLI or successful self initiated CLI with your GE/Synchrony cards. I know YMMV as we all have different profiles, but I just wanna get a feel since it would be nice to have few CLI for the holiday season.

[stancil70]

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@keithbward wrote:

So I had a wave of GE/Synchrony approvals in July and a wave in August. My reports are clean minus a 30 day late from 6/13 on all and a paid collection on my EQ and EX which leads to a 30 point differential from my TU report. I've always seen the call credit solutions after activation and that never worked for me, so I was just waiting my time. I see people say that they get auto CLI after 4 months and some say 4 statements. Some of my accounts didn't generate statements due to me paying in full month to month. Some did even following the same methods. I guess my main question is, based on your own personal experiences, when were you auto CLI or successful self initiated CLI with your GE/Synchrony cards. I know YMMV as we all have different profiles, but I just wanna get a feel since it would be nice to have few CLI for the holiday season.

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Hey Keith:

I have many GE/Synchrony cards -- Walmart, Toys R Us, Belk, Gap, plus several others.  I've found them to be very generous with CLI every 4 months.  Every 4 months, I log on and hit the luv button and do the happy dance.  It's a SP, so even if they decline the CLI, at least you aren't taking a hit.  

[Creditaddict]

Every 4 mnths.

If Approved, reset your 4 month clock.

If Declined, Hit it again every month until you get a cli, then reset your 4 month clock!

[JLK93]

I got an auto cli on Paypal Mastercard at 3 1/2 months. I immediately called UW at backdoor number and got a larger cli.

I got an auto cli on Walmart Discover at 4 months. I immediately called UW at backdoor number and got a larger cli.

I was not able to get a 2nd cli on either card until 4 months after the first cli. I tried every month. I even tried a few days before the 4 month mark and was declined. This is my own experience. YMMV.

[B335is]

GE only gave me auto-CLI once and it was on Amazon right before the 4th statement cut.  All other increases were done through Credit Solutions.  I try not to bother them more than every 4 months - lately I've been limiting it to 10-12 months.

[chalupaman]

I've gotten nothing but auto CLIs with them and pretty good ones too after like 3 months. Each time I've tried Credit Solutions or the LUV button I get denied. Lol.

[keithbward]

Thanks for the replies guys. Another question...if I hit the luv button and receive an increase do you suggest I call credit solutions immediately and ask for more?

[JLK93]

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@keithbward wrote:

Thanks for the replies guys. Another question...if I hit the luv button and receive an increase do you suggest I call credit solutions immediately and ask for more?

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Definitely. You've got nothing to lose.

I would just skip the button and call credit solutions. They usually give larger cli's than you get from the button.

[pip3man]

I have a Sony Card with GE/Synchrony but I never seen anywhere online to request a credit line increase. And how do u guys even request one - like u call in or use an automated phone system?? It will be nice to get a SP CLI from them even though I really dont need it

[keithbward]

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@pip3man wrote:

I have a Sony Card with GE/Synchrony but I never seen anywhere online to request a credit line increase. And how do u guys even request one - like u call in or use an automated phone system?? It will be nice to get a SP CLI from them even though I really dont need it

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With accounts like Sony, HHGregg, Value City, etc there isn't a luv button and all the increases you ask for will be a hard pull on EXP. I have the HHGregg and VCF cards and they are attached all in one place unlike the other store cards that have their separate account administration. I'll upload a screen shot in a few to show what I mean.