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I want to app Amazon, but, does Synchrony have a cap for their cards?

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I want to app Amazon, but, does Synchrony have a cap for their cards?

Okay, quick rundown.
First Synchrony card I got was my Care Credit for 15k, about 2 yrs ago. And my credit was low 700's FICO across the board.
Last year I got a PayPal Extras MC, and my limit was $300! Said something to the effect of not enough use with other Synchrony card.
So, ... it's the now. Scores across the board are all around 800 FICO. Even my Vantagescores are 750 or higher.
My recent cards: Citi DC -11,000, Citi DP - 14,000, Disco -14,700 and Nordstrom just gave me 5,000 on a Visa Sig. My Cap1 just PC'd from a 6,000 Plat to a Venture WEMC! They are all World Elite MC or Visa Sig now.
I may try for a better travel card later this year, however, and I am expecting at least 15k for that one.
But back when I got the Care Credit 15k card, it was by far my largest.
Now, it's just another card!
I use it when I can to make sure it has no reason to CLD.
And, I STILL haven't had a CLI on my PPEMC! I was told there is no way to ask for an increase, it just has to be given! But when???
But they have pre-approved me for other PayPal credit cards with promises of high limits, none I have yet accepted.

Okay. I buy almost EVERYTHING from Amazon.
And I won't be at the Chase 5/24 level until November. So I want just an Amazon Prime card.
But, it's Synchrony. 😟😢😭
Does Synchrony "cap" you from getting too high limits with card CLs combined?
If so, think I would be safe apping for an Amazon Card? Would my limit be capped although my average card CL is as high as the older Care Credit card?
Any Data Points about this kinda stuff???
Okay. Thanks.
Starting Score: 630
Current Score: 768/798/803
Goal Score: 820+


Take the myFICO Fitness Challenge

Began in Jan 2017.
As of March 2018, just bought a new solar home!

Planning for: Chase Saphire Preferred
Am Ex Blue Everyday
Marriott Bonvoy or Visa Sig and Hyatt Visa Card (DONE! SPG Business, baby!!!)
A Viaso card (all for Japanese travel)
And to open a High Yield Savings and CD investment, and maybe look into ETFs. (DONE! ALL!)


Citi Rewards+ - $14000, Citi DC - $11000, Nordstrom VS - $5000, Discover IT - $14700, CareCredit - $15000, Cap One Venture - $6000, Amazon - $3800, Wayfair - $4900, Simply Be - $1200, Lane Bryant Platinum - $1900, Cap One Quicksilver (co-sign/au) - $1250, Victoria Secret - $750, Paypal MC - $900 ☹
($79750 in credit. So Far ...) Updated 6/5/2019
8 REPLIES 8
Valued Contributor

Re: I want to app Amazon, but, does Synchrony have a cap for their cards?

Online cap is 10K for most cards for CLI's

25K is the cap for some others w/o POI (calling Credit Solutions to get to 25K)

35K is the cap for Lowe's before they start looking at you funny for asking for more.

500K+ TCL / 800+ FCOs
Message 2 of 9
Contributor

Re: I want to app Amazon, but, does Synchrony have a cap for their cards?

But that's cap per card, or for all of Synchrony?
Either way, ... I don't know if I've met that Cap with the first card, or it seems laughable looking at the second ...?
Heh.
If it was just one card. But then the question becomes, if I have met a "cap", is the Amazon card not happening?
🤔🤔🤔 Hmm.
Starting Score: 630
Current Score: 768/798/803
Goal Score: 820+


Take the myFICO Fitness Challenge

Began in Jan 2017.
As of March 2018, just bought a new solar home!

Planning for: Chase Saphire Preferred
Am Ex Blue Everyday
Marriott Bonvoy or Visa Sig and Hyatt Visa Card (DONE! SPG Business, baby!!!)
A Viaso card (all for Japanese travel)
And to open a High Yield Savings and CD investment, and maybe look into ETFs. (DONE! ALL!)


Citi Rewards+ - $14000, Citi DC - $11000, Nordstrom VS - $5000, Discover IT - $14700, CareCredit - $15000, Cap One Venture - $6000, Amazon - $3800, Wayfair - $4900, Simply Be - $1200, Lane Bryant Platinum - $1900, Cap One Quicksilver (co-sign/au) - $1250, Victoria Secret - $750, Paypal MC - $900 ☹
($79750 in credit. So Far ...) Updated 6/5/2019
Message 3 of 9
Valued Contributor

Re: I want to app Amazon, but, does Synchrony have a cap for their cards?

those are per card.  aggregate it's 100K for most people.

500K+ TCL / 800+ FCOs
Message 4 of 9
Contributor

Re: I want to app Amazon, but, does Synchrony have a cap for their cards?

Ohhhhh.
I see.
So it may just be ME then. 😢
Fine.
I never liked Synchrony anyway!
*slams door*
...
*opens door* 😪
I'm sorry Synchrony. *sniff-sniff*

Tee hee. 😀 Just kidding! Then I probably have a shot with Amazon! Cool beans.
Thank you! 😁 👍
Starting Score: 630
Current Score: 768/798/803
Goal Score: 820+


Take the myFICO Fitness Challenge

Began in Jan 2017.
As of March 2018, just bought a new solar home!

Planning for: Chase Saphire Preferred
Am Ex Blue Everyday
Marriott Bonvoy or Visa Sig and Hyatt Visa Card (DONE! SPG Business, baby!!!)
A Viaso card (all for Japanese travel)
And to open a High Yield Savings and CD investment, and maybe look into ETFs. (DONE! ALL!)


Citi Rewards+ - $14000, Citi DC - $11000, Nordstrom VS - $5000, Discover IT - $14700, CareCredit - $15000, Cap One Venture - $6000, Amazon - $3800, Wayfair - $4900, Simply Be - $1200, Lane Bryant Platinum - $1900, Cap One Quicksilver (co-sign/au) - $1250, Victoria Secret - $750, Paypal MC - $900 ☹
($79750 in credit. So Far ...) Updated 6/5/2019
Message 5 of 9
Community Leader
Super Contributor

Re: I want to app Amazon, but, does Synchrony have a cap for their cards?

You have an excellent chance with Sync AmazonSmiley Happy. They aren't the devil Smiley Wink, maybe Chase, but not good ol'Sync lol
#ChaseCreditCardHobby Enthusiast
2022
!
Message 6 of 9
Established Member

Re: I want to app Amazon, but, does Synchrony have a cap for their cards?

Are you waiting to get a different Chase card?

If you don't like Synchrony, you can app for the Amazon Prime Signature Visa by Chase.

I personally am not interested in the Chase trifecta so I applied for this and got approved with 6.5k.

Capital One Savor 20,000
American Express Blue Cash Preferred 11,000
Amazon Prime Signature Visa (Chase) 6,900
Wells Fargo Platinum 6,000
Chase Freedom Unlimited 5,700
Gap (Synchrony) 3,500
Message 7 of 9
Frequent Contributor

Re: I want to app Amazon, but, does Synchrony have a cap for their cards?

I applied for Amazon card got a store card with 300 limit 12 months later it's now 10k ... same as lowes 500 limit now its 12k sync dont seem to hate me like discover lol only 300 increase



MAJOR BANK CARDS


Amex BC 15k, Amex CM 1500, Amex Delta 1k, BBT Travel 4500, BBVA 6900,
CAP1QS 2600, DIscover 3300, Marvel MC 6000, Wells Fargo CR 4500
Blispay 2k
CREDIT UNION CARDS Dcu 2k , Robbins 10k ,united1st 5k
STORE CARDSAmazon 10k , HomeDepot 5k , Pay pal 4k , Wal mart 6k ,Lowes 12k


Message 8 of 9
Contributor

Re: I want to app Amazon, but, does Synchrony have a cap for their cards?

Hmm. 🤔
You Sirs speak much in the way of wisdom.
Maybe my seeking approval from the Amazon Prime is like me seeking the approval from Amazon Chase, or my mother, etc.
I just need to chillax-ify my juju and think "I like me, and that's enough." 😅
Plus, there's enough backdoor numbers to call if I feel dissatisfied with any uncool decisions to help ease me off the cliff a little ...
and then turn around and rip those CSRs a new phone hole for making me call them in the first place!
Yes!
Yes, indeed. 😁
Much thankness! 🙋‍♀️🧘‍♀️✌
Starting Score: 630
Current Score: 768/798/803
Goal Score: 820+


Take the myFICO Fitness Challenge

Began in Jan 2017.
As of March 2018, just bought a new solar home!

Planning for: Chase Saphire Preferred
Am Ex Blue Everyday
Marriott Bonvoy or Visa Sig and Hyatt Visa Card (DONE! SPG Business, baby!!!)
A Viaso card (all for Japanese travel)
And to open a High Yield Savings and CD investment, and maybe look into ETFs. (DONE! ALL!)


Citi Rewards+ - $14000, Citi DC - $11000, Nordstrom VS - $5000, Discover IT - $14700, CareCredit - $15000, Cap One Venture - $6000, Amazon - $3800, Wayfair - $4900, Simply Be - $1200, Lane Bryant Platinum - $1900, Cap One Quicksilver (co-sign/au) - $1250, Victoria Secret - $750, Paypal MC - $900 ☹
($79750 in credit. So Far ...) Updated 6/5/2019
Message 9 of 9
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