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PPMC CLI Questions

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Super Contributor

Re: PPMC CLI Questions


@ImTheDevil wrote:

Unenroll in VS4.0 minitoring, then re-enroll and you'll see your new score as of today.


This. Congrats @ImTheDevil  on Senior. You can have my walker now Pops!

walker.JPG

 





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 21 of 30
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Valued Member

Re: PPMC CLI Questions

For the life of me i cannot get CLI from them due to this VS4.0 poop modal score. I am already past 4 statements 

Screen Shot 2019-11-14 at 1.27.26 PM.pngScreen Shot 2019-11-14 at 1.28.45 PM.png

Scores before rebuild 01/20/2019 - EX@544 EQ@533 TU@532
Current Scores 2/8/2020 - EX@685(21) EQ@682(14) TU@735(14)
Amazon Store card - $3000; IKEA Projekt - $7100
Amex Gold - NPSL; Amex Delta Gold - $1000; Amex Hilton Honors - $1000; Barclays Apple Visa - $700; BMO CB Mastercard - $3800; BMO PR Mastercard - $3800; Capital One QS1 - $2600; Capital One QS1 - $750; Chase Marriott Bonvoy - $5000; Discover - $5500; Paypal CBMC - $5000;

Util - 8%
Message 22 of 30
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Community Leader
Senior Contributor

Re: PPMC CLI Questions


@FireMedic1 wrote:

@ImTheDevil wrote:

Unenroll in VS4.0 minitoring, then re-enroll and you'll see your new score as of today.


This. Congrats @ImTheDevil  on Senior. You can have my walker now Pops!

walker.JPG

 


Lol thanks @FireMedic1 - once I take my Metamucil I'm gonna start to @ you in every post I make 😂




Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 23 of 30
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Contributor

Re: PPMC CLI Questions

I don’t think they want you to do anything but be a little more patient. Four months in the credit world isn’t really very long.

Capital one will only allow a CLI once every 6 months per card, Amex will only allow a CLI every 6 months per person for all your cards, comenity doesn’t usually give CLI on their newly issued majors for at least 6 months (although sometimes less).

You’re at 4 months. That’s only 3 required payments (for them to look and see your payments vs statements vs activity - you may have made many more than 3 payments).

And I might be wrong about this, but weren’t most of your cards acquired right about the same time? Meaning they don’t have a handful of card showing years of history yet (which might sway a CLI on a new account)?

This is only my opinion of course-but I think you just need more time. These forums sometimes give us unrealistic expectations because we see so and so did x, y, z and it makes it seem normal-so we feel like we failed if we didn’t get approved or got denied for a CLI or something. When really we don’t have all the info-we don’t know the minutia of someone’s profile and/or income and/or history with a lender or even time at job or DTI or a million other things that might be churning away in an automated algorithm.

Some people do get CLI from Synchrony right away. Many do not. Just keep building a strong history of responsible use and they will reward you when they are ready.

You are doing everything right. You will reap the rewards.
Message 24 of 30
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Established Contributor

Re: PPMC CLI Questions

How you request a CLI on the PPMC?
I don’t see a luv button on the PayPal layout like my other Sync card has.

My credit card journey started 3/2018



Summit Speed Card/Sync Car Care - $10000 CL
Discover It - $6500 CL - 5% rotating
AMEX BCP - $10500 SL - 6% groceries
BBVA Clear Points Rewards - $15300 SL - 3% utilities
PayPal Mastercard - $10000 CL - 2% General
PNC Cash Rewards - $5000 SL - 4% gas 3% restaurants
BB&T Spectrum Cash Rewards VS - $6500 SL - 3% gas
Cap 1 Quicksilver - $1600 CL(DW’s card) - 1.5%
Credit One Platinum - $1500 (DW’s starter card) - 1%
AMEX Cash Magnet - $2000 SL (DW’s) 5% general (6 mos)

Total CL - $68800

Cash Back and SUBs earned as of 2/17/20 - $2215.52

In the garden lettin’ ‘em grow!

CU Memberships


FICO 8 Scores as of 2/20/20
731 Experian, 744 TransUnion, 739 Equifax

Goal cards:
Message 25 of 30
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Super Contributor

Re: PPMC CLI Questions


@JNA1 wrote:
How you request a CLI on the PPMC?
I don’t see a luv button on the PayPal layout like my other Sync card has.

It can take a few cycles before the button appears. 



01/2019:
02/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 26 of 30
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Established Contributor

Re: PPMC CLI Questions

@Saeren

I gotcha, thanks!

Would it be worth a shot to call Credit Solutions to request a CLI before the AMEX and BBVA report?
Right now neither of them are on my report.

My credit card journey started 3/2018



Summit Speed Card/Sync Car Care - $10000 CL
Discover It - $6500 CL - 5% rotating
AMEX BCP - $10500 SL - 6% groceries
BBVA Clear Points Rewards - $15300 SL - 3% utilities
PayPal Mastercard - $10000 CL - 2% General
PNC Cash Rewards - $5000 SL - 4% gas 3% restaurants
BB&T Spectrum Cash Rewards VS - $6500 SL - 3% gas
Cap 1 Quicksilver - $1600 CL(DW’s card) - 1.5%
Credit One Platinum - $1500 (DW’s starter card) - 1%
AMEX Cash Magnet - $2000 SL (DW’s) 5% general (6 mos)

Total CL - $68800

Cash Back and SUBs earned as of 2/17/20 - $2215.52

In the garden lettin’ ‘em grow!

CU Memberships


FICO 8 Scores as of 2/20/20
731 Experian, 744 TransUnion, 739 Equifax

Goal cards:
Message 27 of 30
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Super Contributor

Re: PPMC CLI Questions

I mean you can try it but Synchrony tends to be a bit tougher with their major credit cards, wanting 4-6 months before they will think about CLIs. 



01/2019:
02/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 28 of 30
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Super Contributor

Re: PPMC CLI Questions

@JNA1  Mouse over "Services" and the link is there if available. I asked for $800 last month after 4 months to have a even CL and didnt want to push it. They matched my request. Tried again last week. No go. Good Luck!





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 29 of 30
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Established Contributor

Re: PPMC CLI Questions

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Message 30 of 30
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