Re: Generic Synchrony CLI Denial

NAVYCHOP · ‎05-15-2025

Recently I applied for a CLI on my Synchrony Amazon Card. Currently the credit limit is $10k. I always pay in full and have charged about $20k per year, about $1500 a month.

Thought you might chuckle as I did from the most generic CLI denial letter I have ever received:

"The requested amount exceeds the limits set by our credit policy."

Just about any creditor could use that as a denial, ha, ha. Other than the 5 percent Amazon rebate in a high sales tax state, I don't care about using Synchrony for any other reason. I can live with the denial.

AndySoCal · ‎05-15-2025

@NAVYCHOP I had similar experience with Synchronny a couple of years ago. Here is a link to post regarding the reason they gave you

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Synchronny-Mastercard-2-cash-back-CLI-UPDA...

FIC Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 807 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banking: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO US Bank Wells Fargo