Paypal Mastercard Denies Credit Limit Increase - Puzzled

[AverageJoesCredit]

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@Anonymous wrote:

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(Original back-story post way below.

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So I got my rejection letter, and it says "insufficient experience at your current credit limit". ~~ Seriously !!??!

Phone # on the letter is 866-300-6432. Finally get an agent, and start to ask why I was rejected, beceause their answer makes no sense. Agent proceeds to ask me if I wanted a CLI. I say yes. So he runs one through again!! NOT what I wanted !! Of course I get rejected again.

When I press for answers, the agent goes on to explain that it's out of their hands, and I have to call the credit reporting agencies to find out why.

Who the heck are they hiring, how bad is the training, and why can an agent not give a simple explanation?

Can anyone here provide a reconsideration number that actually listens and tried to see why the rejection occured?

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ORIGINAL POST

Rejected by Synchrony for CLI - puzzled?

• FICO 8s : EXP 745 / TU 740 / EQ 748.

• Vantage4 = 782.

• Card in question is Paypal MC. 8 months old. $4,000 line.

• I have NEVER gone beyond 10% utilization on the card, and usually the statement cut reflects about 6-9%. I am using well over 50% of the $4,000 each month. I am just tired of making multiple pays each month to keep the utilization down.

• No applications on anything since November.

• 1-2 hard inquiries on each of the 3 agencies for the last 1.5 years.

• No other debt basically. And no carried balances on any credit cards.

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So I called the 877 379 8173 number, and asked for $15,000 with $73,000 income.

Apparently I played something wrong, and was rejected. Rep says "your letter will explain" blah blah blah...

Is the income too low for the ask, and why was there no counter-offer (as others have said they will do)?

Smacked the LUV button 2 hours later for $7,500, out of annoyance & curiosity. Stonewalled.

My statement just cut the day before the CLI ask, and there is about 9% on there. Maybe this $360 is what got me rejected. Others have said to call when your balance is ZERO...

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Thats just their fancy wirds for not at this time. 

[AverageJoesCredit]

• FICO 8s : EXP 745 / TU 740 / EQ 748.

• Vantage4 = 782.

• Card in question is Paypal MC. 8 months old. $4,000 line.

• I have NEVER gone beyond 10% utilization on the card, and usually the statement cut reflects about 6-9%. I am using well over 50% of the $4,000 each month. I am just tired of making multiple pays each month to keep the utilization down.

• No applications on anything since November.

• 1-2 hard inquiries on each of the 3 agencies for the last 1.5 years.

• No other debt basically. And no carried balances on any credit cards.

-----

So I called the 877 379 8173 number, and asked for $15,000 with $73,000 income.

Apparently I played something wrong, and was rejected. Rep says "your letter will explain" blah blah blah...

Is the income too low for the ask, and why was there no counter-offer (as others have said they will do)?

Smacked the LUV button 2 hours later for $7,500, out of annoyance & curiosity. Stonewalled.

My statement just cut the day before the CLI ask, and there is about 9% on there. Maybe this $360 is what got me rejected. Others have said to call when your balance is ZERO...