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Synch/Amazon Store Card CLI chances

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alexak
Regular Contributor

Synch/Amazon Store Card CLI chances

hey all! after overcoming some financial woes in 2020/2021, I was approved for the Amazon Store Card in March of this year for a whopping $400. fast forward 3 statements and I'm getting the "insufficient experience with current limit" denial when I hit the Luv button. I've racked up and paid off about 7 times now... waiting for my most recent payment (which they randomly placed on a hold) to clear before asking again. 


Synchrony has my TU score at 633 (as of 7/2) where everywhere else it's 650+. Do I even have a chance calling credit solutions or should I just give up until I see 650+ with Synchrony? I have about $1000 worth of stuff I'd like to get through Prime Day and want to take adavantage of promo financing and 6% back. 

Thoughts? 

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coldfusion
Credit Mentor

Re: Synch/Amazon Store Card CLI chances

Synchrony reports Vantage 4.0 scores, which could account for the scoring variation.

 

Wait another 3 months before trying again.

 

(10/2025)
FICO 8 (EX) 838 (TU) 846 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
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