Marvel - Synchrony

[sto0pyd]

I got approved for a Marvel - Mastercard with a starting limit of $1,500. I read posts on the forum that many have been successful in getting their limits increased by calling Credit Solutions. I called them and was denied. I got the denial notice in the mail and it stated that I have had insufficient experience with my current account for them to rate it appropriately. Does this mean I should wait a few months (6-mos)? I've had other Synchrony cards with limits ranging from $1,500 (Chevron) - $ 10,000 (Lowes) and have always paid my account  in full before statements are even generated. For those that were successful in getting their limit increased, did you have to give them some crazy sob story? I have plenty of credit cards and my utilization is ~4% with an available limit > $100k. The only times I carry a balance on a card are on promotional purchases to where my rate is @ 0% (Care Credit). From the letter they sent, my FICO was @ 696.

[AverageJoesCredit]

Congrats, this to me sounds like the NEW Synchrony as this is the second post ive read recently where person was given a sl of $1500 with scores similar to yours, and mine ,when given this card and didnt get an immediate increase to around 5-6,000. Many were shot up this bracket when the card first came out and got the CS luv. Anyway give it a month or so of use and try again, eventually you will get a nice increase. Congrats again

[Anonymous]

Congratulations! I had the same SL @ $1,500 - and same situation, called CS and denied right off the bat. Same reason - not enough experience with current limit.

I used it for a month and paid in full before statement cuts, I used the whole amount for all the bills for the month. After the bill generated I called the next day when my statement showed -$25, they gave me a $25 statement credit. Asked for $8,000 and was approved so I felt like I left money on table, I called again 2 days later and asked for $15,000 and was counter-offered for $10,000. I'll take it specially I've only had the card for 1 mo. 2 days.

Good luck to you! I'm loving Synch! waiting for my Lowes to close and I'll request an increase on that too.

TU: 725 UTI: 1% AAoA: 9 years INQ: 34

[jc2]

I was recently approved for Ebates $750 Temp...$800 full cl. I have 2 other synch cards (wmmc and PPXT) for close to 4 months and both have 8k limits. I have a good history and pif. I was fully expecting to call CS and get at least the same line I have on the other cards...no go. CS said I am currently at some kind of limit but welcome to call back and try later. I plan to let another statement close on all 3 cards and try again.

[jc2]

Oh and...congrats on the approval

[Anonymous]

Congrats on the approval. Seems like sync is getting tougher with the cli.

I was approved the same 1500 and called credit solution before I received my card and was bumped to 6,000.

[Anonymous]

Once your TU hits 700 you should be a shoe in for  a CLI. 

[Anonymous]

Same here, denied before receiving card for no experience. Then a month in (no transactions at all), bumped from 3000 to 6000. Will be using it in the next months, planning on trying again in 2 months.

[Anonymous]

Was approved a few nights ago. Called CS to inquire about the SL and was told $4k. Tried CLI and denied. This is definitely the new Sync bank. They pulled a 760 TU with $202k net income. 6 months ago my son received 6k SL with a 740 and $20k income. Go figure.

[Anonymous]

thats ridiculous IMO.  your stats and other cards, you deserve more than 4k.