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Cli Spree and Minor AA

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Established Contributor

Cli Spree and Minor AA

So I had a case of a notice from my monitoring that Synchrony Bank thought it was a good idea to drop my Walmart MC from $10,000 to $1,524 right before the Capitol One transition. Took me a week or two to wrap my head around it but decided to do some CLi's for fun. You know out of spite.

 

Here are the CLi Approvals:

Synchrony Bank/PayPal 2% Cashback MC $2,400(+4800) ---> $7,200

Synchrony Bank/Walmart MC                      $1,524(+8476) ---> $10,000 (yes I got it all back)

Discover Bank/Discover IT                          $15,000 (+500) ---> $15,500 (aka AJC special?)

FNBO/Ducks Unlimited VS                            $5,700(+3500) ---> $9,200

 

Did I mention all of these are SP?

TU:795 10/08/18 Synchrony--EX: 758 10/26/18 Discover--EQ:810 09/25/18 Citi--Gardening since 10/15/18
Active:
Bank of America (Bankamericard M, Better Balance Rewards M, Cash Rewards VS), Blispay V, Capital One Quicksilver VSC, Chase(AARP VSC, Amazon Prime VSC, Freedom VSC), Citi Dividend M, Citizens GreenSense M, Discover It, FedEx Employee Credit Association V(Pending Close?), FNBO Ducks Unlimited VS, PenFed Platinum Rewards VSC, Synchrony Bank(PayPal Credit, PayPal 2% Cashback M, Walmart M), US Bank Cash+ VS
Wishlist: Barclaycard Uber, Bellco Colorado Rewards, EBates, Marvel, Nusenda Platinum Cash Rewards, PenFed Pathfinder, Security Service Power Travel Rewards, UMB Bank Simply Rewards, Vantage West Connect Rewards, Wells Fargo Propel
Message 1 of 12
11 REPLIES 11
Senior Contributor

Re: Cli Spree and Minor AA

 

 

Congrats on yer CLI's and your AA in ReverseSmiley Very Happy, Synch is always entertainingSmiley TongueSmiley LOL

 

Message 2 of 12
Community Leader
Super Contributor

Re: Cli Spree and Minor AA

Awesome job sticking it to the man , Sync, lolSmiley Wink. Sp luv is well SPecial .

Thanks for carrying on the tradition of the AJC SpecialSmiley Happy Im honoredSmiley Happy
#ChaseCreditCardHobby Enthusiast
Message 3 of 12
Senior Contributor

Re: Cli Spree and Minor AA

Top of the line effort

Major Congrats !




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>08/2019 CCT EX 829 TU 848 EQ 837
Jack Webb: "That figures. Now let me see if I got the facts straight here. Cleaning woman Clara Clifford discovered your clean copper clappers kept in a closet were copped by Claude Cooper the kleptomaniac from Cleveland. Now, is that about it?"
Message 4 of 12
Established Contributor

Re: Cli Spree and Minor AA

Thank you gents. It is always nice to increase the limits. I also wish Bank of America would do it on my card that has the BT but I can understand why they will not add a button to hulk smash. Ironically the other accounts with them have that button.

 

Synchrony Bank is weird perhaps but it is the reason that we are willing to play this game. If all lenders were monotoned robots I am fairly certain everyone would be bashing their heads against the wall as they beg with Capitol One clones.

TU:795 10/08/18 Synchrony--EX: 758 10/26/18 Discover--EQ:810 09/25/18 Citi--Gardening since 10/15/18
Active:
Bank of America (Bankamericard M, Better Balance Rewards M, Cash Rewards VS), Blispay V, Capital One Quicksilver VSC, Chase(AARP VSC, Amazon Prime VSC, Freedom VSC), Citi Dividend M, Citizens GreenSense M, Discover It, FedEx Employee Credit Association V(Pending Close?), FNBO Ducks Unlimited VS, PenFed Platinum Rewards VSC, Synchrony Bank(PayPal Credit, PayPal 2% Cashback M, Walmart M), US Bank Cash+ VS
Wishlist: Barclaycard Uber, Bellco Colorado Rewards, EBates, Marvel, Nusenda Platinum Cash Rewards, PenFed Pathfinder, Security Service Power Travel Rewards, UMB Bank Simply Rewards, Vantage West Connect Rewards, Wells Fargo Propel
Message 5 of 12
Established Contributor

Re: Cli Spree and Minor AA


@zerofire wrote:

So I had a case of a notice from my monitoring that Synchrony Bank thought it was a good idea to drop my Walmart MC from $10,000 to $1,524 right before the Capitol One transition. Took me a week or two to wrap my head around it but decided to do some CLi's for fun. You know out of spite.

 

Here are the CLi Approvals:

Synchrony Bank/PayPal 2% Cashback MC $2,400(+4800) ---> $7,200

Synchrony Bank/Walmart MC                      $1,524(+8476) ---> $10,000 (yes I got it all back)

Discover Bank/Discover IT                          $15,000 (+500) ---> $15,500 (aka AJC special?)

FNBO/Ducks Unlimited VS                            $5,700(+3500) ---> $9,200

 

Did I mention all of these are SP?


Congratulations on all those CLIs and getting that Wally limit back!!! 😎 😎 😎

“Most people work just hard enough not to get fired and get paid just enough not to quit.”
Take the myFICO Fitness Challenge


Message 6 of 12
Established Contributor

Re: Cli Spree and Minor AA

Congrats! Any data points you can share about your Walmart account that could have led to the AA (I.e. do you have a balance, when was the last purchase, etc.)?
FICO: EX: 740 (1/18); TU: 753 (12/17); EQ 777 (12/17)
Amex Blue Cash | Amex Blue Business | Amex Cash Magnet | Amex Gold Rewards | Amex Lowes Business | Amex SimplyCash Plus | Barclays Uber Platinum Visa | Chase Amazon Prime Visa Signature | Chase Freedom Visa Signature | Discover IT More Dawn | Discover IT More Pride | Fidelity Invest Visa Signature | NFCU Cash Rewards World Mastercard | Penfed Pathfinder Rewards Amex | Sams Club Mastercard | USAA Limitless Rewards Platinum Visa | Walmart Mastercard
Message 7 of 12
Established Contributor

Re: Cli Spree and Minor AA


@UFGuy2006 wrote:
Congrats! Any data points you can share about your Walmart account that could have led to the AA (I.e. do you have a balance, when was the last purchase, etc.)?

I am fairly certain that it was because I let the balance sit at $0 for 6-12 months. My PenFed Platinum Rewards is better in store and my BoA Cash Rewards started clobbering online at the beginning of this year. I used to order online quite a bit around the holidays and definitely would buy tires at Walmart.com as I needed them. Now I am just waiting for Capital One to take over and that is why I wanted my limit to stay. I am hoping that Capital One can offer something to improve this card since it is stale. Oh who am I kidding, Capitol One is the lender that cards go to die for me. I just want to see how the transition works out as this would be my first.

TU:795 10/08/18 Synchrony--EX: 758 10/26/18 Discover--EQ:810 09/25/18 Citi--Gardening since 10/15/18
Active:
Bank of America (Bankamericard M, Better Balance Rewards M, Cash Rewards VS), Blispay V, Capital One Quicksilver VSC, Chase(AARP VSC, Amazon Prime VSC, Freedom VSC), Citi Dividend M, Citizens GreenSense M, Discover It, FedEx Employee Credit Association V(Pending Close?), FNBO Ducks Unlimited VS, PenFed Platinum Rewards VSC, Synchrony Bank(PayPal Credit, PayPal 2% Cashback M, Walmart M), US Bank Cash+ VS
Wishlist: Barclaycard Uber, Bellco Colorado Rewards, EBates, Marvel, Nusenda Platinum Cash Rewards, PenFed Pathfinder, Security Service Power Travel Rewards, UMB Bank Simply Rewards, Vantage West Connect Rewards, Wells Fargo Propel
Message 8 of 12
Established Contributor

Re: Cli Spree and Minor AA

Yeah, me too... I am on the fence though with the transition, because I don't want to get a new account. If I did, I guess I will come out of the garden to app something else then also. 🤷🏻‍♂️ I am thinking that if I were to stay with Synchrony it would be better to get the CL higher than with Cap1, but I wonder if Cap1 will make my Walmart card a MC or Visa... 🤔

“Most people work just hard enough not to get fired and get paid just enough not to quit.”
Take the myFICO Fitness Challenge


Message 9 of 12
Established Contributor

Re: Cli Spree and Minor AA

Capital One issues Visa and MasterCard's. They are most likely to keep all existing cards as MasterCard so the number does not change. The one benefit I can clearly see in the paperwork is that the FTF is going away in the transition for what that is worth.

TU:795 10/08/18 Synchrony--EX: 758 10/26/18 Discover--EQ:810 09/25/18 Citi--Gardening since 10/15/18
Active:
Bank of America (Bankamericard M, Better Balance Rewards M, Cash Rewards VS), Blispay V, Capital One Quicksilver VSC, Chase(AARP VSC, Amazon Prime VSC, Freedom VSC), Citi Dividend M, Citizens GreenSense M, Discover It, FedEx Employee Credit Association V(Pending Close?), FNBO Ducks Unlimited VS, PenFed Platinum Rewards VSC, Synchrony Bank(PayPal Credit, PayPal 2% Cashback M, Walmart M), US Bank Cash+ VS
Wishlist: Barclaycard Uber, Bellco Colorado Rewards, EBates, Marvel, Nusenda Platinum Cash Rewards, PenFed Pathfinder, Security Service Power Travel Rewards, UMB Bank Simply Rewards, Vantage West Connect Rewards, Wells Fargo Propel
Message 10 of 12
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