Amazon Prime Store Card CLI

[Total80sKid]

Well, I thought the day would never come.

I finally got my first CLI from Amazon!

I have had the store card since July 2015.

I was given a SL of $800, which at the time was my highest SL and I was starting my rebuild journey, so I was thrilled.

Anywho, I maxed the card out pretty quick, but always made payments on time and was never late.

I called the # on the back of my card a couple of months ago, I believe, and was denied.

Same reason was something like, 'too new of negative reporting'. I had/have a couple baddies on my TU and one of them always likes to give a newer open date, which shows now 2016, when it was from 2013.

So I'm assuming that's what they were looking at, as I don't know what else they could be talking about.

So last night I hit the luv button on my Synchrony account and got the same 7-10 day message.

It was late, so Chat was closed as I've read people here had far more success by chatting or calling CS.

The chat went okay this morning, but the agent informed me it may be a SP or a HP and didn't know which it would be, so I respectfully declined.

I then hopped on here and it was suggested I call Credit Solutions.

Just got off the phone with them and pleaded my case about how I love Amazon, have had the card two years, never late or miss any payments and explained about the newer open dates on a collection.

Now I'm assuming this is all computerized so what I said probably played no role in the decision, but she came back after a minute or so and told me,

Congratulations! You have been approved for your asking limit from $800 to $2000

I know I could have asked for more, but not feeling confidant with Synchrony, I just picked $2000.

I am so happy!

I will not be using the extra now as I'm still paying down the card, but it just feels good to be shown a little bit of 'luv' for being a responsible cardholder.

If I was granted an $1200 increase, from $800 to $2,000, does that mean I left $$ on the table?

If so, how long should I give it, while paying down the card, before I call again and do another request?

And how much should I ask for?

Thank you again to everyone on this forum who are one of the nicest and most helpful online communities I've ever stumbled upon.

[austinguy907]

Well, the good thing is you can call back once you muster the confidence and ask for 10K and let them counter.  The game with Synch is to ask high and collect what's due.  There have been isntances where people have been modest and asked for 10K and gotten 13K out of the call even though they asked for less.  

Just shoot for the stars and collect your CL.

[Total80sKid]

@austinguy907

Thank you for your tips!

Is there a certain wait time Synch likes to wait before giving another CLI?

Since my SL was only $800 and I was denied an increase a couple of months ago, I figured I'd ask low. I almost said $1k instead of $2k and I actually said $3k first, but then the rep said, 'are you sure?' In a sweet way and I lost confidence and lowered it to $2k lol

It will def help with my UTI.

She never mentioned a SP or a HP, just asked for net income, I believe.

[austinguy907]

You can call them again right now if you want and they'll either give it to you or they won't.  

Be confident and just call them again and ask for 10K and see what your proverbial ceiling is right now.  

There's no harm in asking, only in low balling yourself by asking for too little.

[JimBo99]

What she meant to ask was, 'Are you sure.... you don't want to ask for more?"   Haha.   I always ask for $25,000 whenever I talk to them.   My Lowes card is 17,000, Amazon is 5000, Belk's is 8000 and Marvel MC is 8000 all bc I just ask for 25k without batting an eye.  Amazon and Lowes I got increases before I even got the cards.  Was approved for 1500 originally on each of those.  I got 6000 on Lowes and then after 3 statements, hit them up again and got 17k.  The lady on the phone doesn't care, she gets these calls all day long.  I would call back and ask for more right away if it was me, since you got exactly what you wanted, makes me think you left money on the table.  And like many will tell you, its likely a SP anyway, no harm, no foul.  Best of luck!

[Total80sKid]

@austinguy907

I'm still too nervous! I'll give it 31 days

@JimBo99

I think I am going to wait just a bit and try to lower my balance before I ask again.

I almost always crack in my voice thinking of asking for those limits haha. Even when I said $2k to the agent earlier my voice was shaking.

I'm new to the credit world and I have a pretty low income, so I'm just really nervous about this stuff.

So when I do call again, I should really ask for that much and if not approved for that, their screen will give them an amount to counteroffer me with?

[pipeguy]

Congrats on your "credit solutions" increase - looks like you got exactly what you wanted - as stated in your other tread. Personally - while you can poke the bear - I'd give it a couple of months to prove you can manage the higher limit, then you can askfor $5k  

[JimBo99]

I was nervous the first time too.  But, she really doesn't care.  Ask for $25k.  If they only wanna give you 6000, she'll say, sorry, couldn't approve for 25k, but can approve for 6000, is that ok?  Or something really similar.   Let a statement or two cut and try again.  There really is no harm in asking high.  Listen to everyone here.  In one year I've gone from about $4000 in credit to $120,000. 

[Total80sKid]

@pipeguy

I feel comfortable with that and $5k was also what I would ask for next then $10k 2-3 statements after that

@JimBo99

Thank you again for the tips.

There can never be too many here!

Much appreciated.

[AverageJoesCredit]

Congrats T80Kid Youre on your way. Just keep bringing down those cards snd great things will happen.

Lol, asking for 25k is great and all but if you dont make 25k why ask for it. Shoot high but also whst you feel comfortable with.