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So I've been hitting that CLI button on all my Synchrony accounts (CareCredit, PayPal, Amazon Store Card) a few times a month since I got the cards in September. I know, I'm impatient. My scores recently crossed over 700 (FICO 700 Achievement Unlocked!) and they updated on my Synch accounts, so I figured I'd try again today.
First was CareCredit. I owe $473/$1,000 and got an increase for $1,800. I asked for $1,500 so yay!
Then I tried PayPal: I owe $100/$300, asked for $800, and got denied....
1 out of 2 ain't bad, so I tried my Amazon Store Card: I owe $0/$800, asked for $1,500, approved for $1,500!
I know these are baby increases, but I'll take them at the moment. I'm in no rush and am just happy to be getting any CLI's right now.
One question: Can I call the overseas number and try to get a CLI on the PayPal one? I don't know why they started me so low and won't increase it when they did for the other ones? Any advice is greatly appreciated!
Congrats on the approvals, but be careful with Synchrony. You don't want to scare them as I did and had to learn the hard way. Let the ones you have season a while and congrats on the 700 achievement.
@jbsilva21 wrote:Congrats on the approvals, but be careful with Synchrony. You don't want to scare them as I did and had to learn the hard way. Let the ones you have season a while and congrats on the 700 achievement.
What exactly did you do to scare them? I've heard of the blue envelope of death lol so I'm curious to hear what happened to you.
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
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Nicely done on the CLI's!
Congrats on hitting the 700 FICO Mark! My next goal is 675 but it really is crossing that 700 mark as well
Good Job!!
I have one sync card so far and its stuck at 10K the Sam's Club MC