Synchrony Marvel CLI declined :(

[Anonymous]

I called credit solutions 8 days ago and asked for a CLI on my Marvel, they said NO. 

A couple of accounts I paid down to ZERO reported. So I called them back yesterday and went from 6k, to 10k....A 4k increase 7 days after being declined.

So it really does matter what your TU is the day you call.

In speaking with credit solutions when I was declined last week they said you can call and ask for a CLI anytime you want, as we know it's a soft pull. He said things change daily. 

[glamchick]

Thank you Donny!  Thats good to know.

I will make sure my account is at a "0" balance next time I call to see if that helps.

[UncleB]

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@Anonymous wrote:

I called credit solutions 8 days ago and asked for a CLI on my Marvel, they said NO. 

A couple of accounts I paid down to ZERO reported. So I called them back yesterday and went from 6k, to 10k....A 4k increase 7 days after being declined.

So it really does matter what your TU is the day you call.

In speaking with credit solutions when I was declined last week they said you can call and ask for a CLI anytime you want, as we know it's a soft pull. He said things change daily. 

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+1

Based on what I've read here and my own limited experience, it really does primarily come down to your TU score. 

I'm not saying income isn't a factor - I'm sure it is to a point - but even in my own case with a very modest income I was able to get generous increases with Credit Solutions, and I'm quite certain it was due to my strong TU. 

[Anonymous]

like everybody's been suggesting call credit solutions,  I never get anywhere everytime I hit the cli button, via live chat or just the regular numbers but crecit solutions I always get approved not the one I asked for they always counter offer but hey CLI is CLI.

[Anonymous]

Data point!  DBF has Gap and BR card for over 5 yr's.  

Age of Accounts Him 18yrs, Me 12

Him zero HP,  Me 7. Last 12 mths.

Him zero collections/PR,, Me 1 paid collection 2014.

Him last late 2 yr's ago 30days on installment, Me 60 days installment 2 yr's ago Mortgage VS Auto.

Him TU 665.  Me TU 694

Him UTL 72%.  Me 4%.

He can't get an increase.  I increased Marvel on application.

Reason given:  Utlization.  BR zero bal, Gap 100/$800.  He's never asked for a CLI.  Big Bal is on 2 cards, Disco IT and AX EDP.  Neither have CLD.  Disco has been giving him CLI's actually.

Point of my story:   Overall utilization matters.  Baddies aren't as bad as you think.

[Meanmchine]

I would suggest reading this thread before requesting any Synchrony CLI for the time being

http://ficoforums.myfico.com/t5/Credit-Cards/What-the-heck-is-going-on-with-Synchrony/td-p/4669682