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Synchrony CLI SP/HP Question

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Regular Contributor

Synchrony CLI SP/HP Question

Is there any way to tell beforehand whether hitting the button will result in a SP or HP? Trying to help out utilization without opening anything new. I'm most interested in lowes & amazon. 

 

Verbiage on the CLI form says "You may be asked to provide your annual net income if we do not have your recent information on file. Income is used to determine eligibility for a credit line increase. Subject to credit approval."

 

Is it just a gamble?  Does it ask for permission if determined HP is necessary?

Starting Scores: EX 558, TU 556, EQ 571
Rebuilding Scores: EXP 621, TU 610, EQ 613
Current Scores: 680 something, 652, 642
5 REPLIES 5
Community Leader
Super Contributor

Re: Synchrony CLI SP/HP Question

Amazon and Lowes should be sp though on rare occasions, hp can happen
#ChaseCreditCardHobby Enthusiast
2022
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Message 2 of 6
Regular Contributor

Re: Synchrony CLI SP/HP Question


@AverageJoesCredit wrote:
Amazon and Lowes should be sp though on rare occasions, hp can happen


and there's no defining moment in the process that would indicate either way before proceeding?

Starting Scores: EX 558, TU 556, EQ 571
Rebuilding Scores: EXP 621, TU 610, EQ 613
Current Scores: 680 something, 652, 642
Message 3 of 6
Community Leader
Super Contributor

Re: Synchrony CLI SP/HP Question

Not really, its very rsre to be hp, i once got a hp on Ex for Amazon but that was a weird experience thus i always caution people. Just hit the luv button you should be ok.
#ChaseCreditCardHobby Enthusiast
2022
!
Message 4 of 6
Established Contributor

Re: Synchrony CLI SP/HP Question

Just last week I had a 3X CLI on my Paypal 2% MC and I haven't seen a HP yet.
Message 5 of 6
Regular Contributor

Re: Synchrony CLI SP/HP Question

weeeeelp hopefully no HP ensues because DH has no CLIs to show for it. I suppose it was worth a shotSmiley Sad

Starting Scores: EX 558, TU 556, EQ 571
Rebuilding Scores: EXP 621, TU 610, EQ 613
Current Scores: 680 something, 652, 642
Message 6 of 6
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