Synchrony - can only get $10K through chat?

[masscredit]

I learned something new when I used the chat feature to get a CLI on my Walmart card tonight. This is part of the conversation -

8:19:38 PM EDT : AgentVan: Thank you for your patience. Our record indicates that the request can not be completed due to the amount threshold. Please contact our credit solutions department at 1-8773798175 and provide them with the reference number xxxxxxxx to complete your request today.

8:20:41 PM EDT : Customer: What is meant by the amount threshold?

8:21:58 PM EDT : AgentVan: Oh, I'm sorry. We usually can increase the amount to $10,000.00 via chat. Since you already have a higher limit this needs to be evaluated by our credit solutions team.

This was the first time that I've heard of that.  I didn't shoot for the stars with this one. Had a CL of $13K and asked for $15K. I just wanted to break the $100K mark. That was approved. 

[ddemari]

I haven't had that experience. What card is this on?

[dragontears]

Maybe it is because it is a store card? I went from 10k to 20k through chat on Sams MC

[Anonymous]

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@masscredit wrote:

I learned something new when I used the chat feature to get a CLI on my Walmart card tonight. This is part of the conversation -

8:19:38 PM EDT : AgentVan: Thank you for your patience. Our record indicates that the request can not be completed due to the amount threshold. Please contact our credit solutions department at 1-8773798175 and provide them with the reference number xxxxxxxx to complete your request today.

8:20:41 PM EDT : Customer: What is meant by the amount threshold?

8:21:58 PM EDT : AgentVan: Oh, I'm sorry. We usually can increase the amount to $10,000.00 via chat. Since you already have a higher limit this needs to be evaluated by our credit solutions team.

This was the first time that I've heard of that.  I didn't shoot for the stars with this one. Had a CL of $13K and asked for $15K. I just wanted to break the $100K mark. That was approved. 

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We learn something new every day.... interesting data !!

[NichelleN]

That's interesting. I've only made requests via phone and my Lowe's is over 10k so I didn't know this. Oddly enough, when I requested a CLI on JCPenney, the representative said I needed to talk to the supervisor. I was transferred and the gentlemen asked the standard questions and quickly approved it. I was only asking for $5k, though.

[masscredit]

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@ddemari wrote:
I haven't had that experience. What card is this on?

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It was my Walmart card.  I've received a message to call credit solutions in the last. It might have been the last time my Walmart received an increase. The card went from $10K to $13K that time and from $6K to $10k before that. I thought it was just part of the process but this was the first time that the representitive worded it like that so I asked what he meant. 

[MyLoFICO]

I wonder if that is why all my store cards over 10K say "We apologize for the inconvenience, but we cannot process a credit line increase online for this account." When I hit the LUV button?

[Anonymous]

I don't think so. I get that message even if I only have a $500 limit. I think the luv button is only there to look good. 😊

[RonM21]

Interesting data point that I hadn't heard of until now. Thanks for the info!

[Themanwhocan]

I had to fax them proof of income in order to get over $25K limit. Then they gave me $25,400...

This was for a CLI on the Marvel card. I did call for the CLI so didn't know about the chat limit.