@Anonymous wrote:
Hi Everyone,
I was wondering how often you use chat or call CS to request CLIs from Synchrony. I just recieved 2 very nice CLIs from them this week and am very happy with them! I want to know how often or little I should request CLI from them. I don't want to abuse the system with them, but I also don't want to miss out either.
What has your experience been with Synchrony?
It used to be said that you could try for a CLI online every four months; any earlier would be turn down. I've not seen any recent feedback to indicate this has changed, and in any case it's generally a SP with most of Synchrony's store cards so there's little harm in trying. (Note that there are some exceptions, but for accounts such as Wal-Mart, Sam's Club, Amazon, Lowe's, and the other run-of-the-mill Synch cards it's almost always a SP).
As for Credit Solutions, you can call them anytime regardless of your last CLI. Do keep in mind, though, the Synchrony blue envelope drama from a few months ago. As long as you don't have a dozen new Synchrony accounts all with large credit lines you'll likely be OK, though (plus, I've not read of any 'blue envelopes' being received lately).
Credit Solutions has several different numbers; my personal favorite is the foreign call center: 877-379-8173. When you call, they'll place you on hold for a couple of minutes to do a SP on your TU report. Also note that they are generally "all-business"... they don't ask (and don't care) why you want/need a CLI; they just ask the necessary questions to either approve the CLI, give you a counter-offer, or deny it.
Finally, keep in mind the closer to 700 your TU the better your chances will be, although people with sub-700 scores have reported success as well (again, keep in mind that they will counter-offer!)
Good luck, and let us know how it goes! 