So...I keep trying to get this $1237 limit raised and I keep getting denied. I have tried all the options. I called the Credit Solutions overseas #, the American #, the luv button and chat. Most recent denial was after the 4th statement. I have used the card every month. I only let the balance report on the first statement. Each balance afterward I paid before the statement cut. Is that the problem?
I got the card late March after I bought a house. I had 0 inquiries and no new accounts over the last year when I applied for my mortgage with Fico 8 scores ranging from 795 - 805. After mortgage inquiries, scores went down to 787 - 796. I applied for Discover then Lowe's then Ducks Unlimited. After all accounts reported including mortgage, scores were 750 - 753. Scores on latest attempt were 757 - 767.
I have a Walmart store card with a $10,000 limit and wonder if I'm at my Synchrony ceiling with my $50,000 income.
@CreditInspired wrote:Hi OP
What does the decline letter say?
I looked to see if I had any but all I found is Discover letters. I can't say for 100% certainty but I think it was insufficient experience at current limit.
@Anonymous wrote:
@Poppa wrote:
I have a Walmart store card with a $10,000 limit and wonder if I'm at my Synchrony ceiling with my $50,000 income.
I wonder if you're right. If so, can one move credit lines from one account to another?
It might be time to visit Home Depot?
I don't know but highly doubt it. Maybe once Synchrony loses the Walmart acct. I can get a decent limit with them on my Lowe's.
EDIT: I don't pre-qualify for a Home Depot card. I used to.
@Anonymous wrote:
@PoppaSo...I keep trying to get this $1237 limit raised and I keep getting denied.
Why is your limit $1237? That's not a standard approval limit, which suggests to me that it was once something [higher] and was perhaps lowered? Maybe this could be your issue here... if they lowered your limit at some point for whatever reason, possibly whatever that reason was is still impacting your ability to receive a CLI.
That was my starting limit.
I just had an odd chat session. They said it was showing I wasn't completely logged in to my account. They couldn't access my account because of this. So they sent me a pass code number on my phone after I gave them my cc# and cell#. I repeated the code back to them on chat. They then say ''the system is unable to provide me options to key in the pass code that you get'', and tell me to call customer service.
On a side note, on my online acct, underneath the Lowe's logo it says Welcome then my name and then an x and the last 4 digits of my card #. There is not a picture of my card there like there is on my Walmart acct. Also, for quite awhile after I would log in a little pop up log in box would appear. I would put in my username and password and the box would just reappear over and over.
