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Credit limit Increase Love

Regular Contributor

Credit limit Increase Love

So I was so happy that I got aome NFCU love recently, so I went to see if I can get some Sync love and Citi love. I asked for an cli on my Best Buy Visa. I wish I wouldnt have as they did a hard pull, they countered my request and offered a $500 increase so I took it as it was a hard pull. I wont be asking anymore from them I'll just let them auto as I dont use it much anyway. So that's from $2000 to $2500


I called sync credit solutions and asked for my Wal-Mart card to go from $1100 to $3000 and it was approved.


I do have a question though. With credit solutions, do they ever counter offer? Like if I told them $10k, would they counter with $5k or would they just flat out deny? That way I know I'm not leaving money on table cause I think I am.


On the 28th I'm able to try for a increase on one of my amex cards. Imma do the Hilton Honors card and see if I can get it from $1k to 3k. I ran a little under 2k through the card but its paid off in full.


I also will be eligle on the discover 8th. I been keeping balances low on it and making large payments. Any advice on what I should shoot for?

ETFCU Auto Loan - NFCU CLOC $15k

In My Wallet:

NFCU Flagship Visa $17k
ETFCU Prim Plus MC $5k
NFCU More Rewards Amex $3k
Amex Marriot Business Bonvoy $3k
DiscoverIT $2.2
Amex Hilton Honors $1k

Dresser Wallet:

Wayfair $9k
JC Penny $6k
Walmart $3k
Zales $2.45
Belk $1.5k

Business Accounts:

Amazon Corporate $4.5k
Fuleman Fleet $1.2k
BP Business Solutions $1.2k
Staples $1k
Office Depot $1k
Quill $0.1k
Uline $0.1k

Sock Drawer:

CapOne QS1 $1.55k
Merrick Bank $1.4k
Amex Delta Blue $1k
USAA Classic Amex $0.5k
CarCare $0.5k
PayPal MC $0.3k
Target $0.3k


Best Buy Visa $4k (AA)
Sportsman Guide Visa $2.5 (AA)
Citi AAdvantage $2.5k (AA)
Mattress Firm $1.5k (Closed for no activity)
Finger Hut $1k (Closed for no activity)
Home Depot $0.5k (AA)
Shell Gas $0.5k (AA)
CapOne Platinum $0.7k (Combined into QS1)
Credit One MC $0.45k (Closed)
Credit One Visa $0.8k (Closed)
First Premier Visa $0.7k (Closed)
Indigo $0.3k (Closed)
Avant $0.3k (Closed)
Message 1 of 5

Re: Credit limit Increase Love

Yes, Synchrony will counter to the max you qualify for at the time of the request if they cannot approve the full ask.

Message 2 of 5
Valued Contributor

Re: Credit limit Increase Love

About six weeks ago I went on a Synchrony CLI spree. I requested Amazon Prime from $1,500 to $4,000, approved for $3,400! CarCare from $1,000 to $4,000, approved for $3,500!


Conoco from $800 to $1,600, denied! $1,500, denied! $1,300, denied! $1,100, denied! $900, Denied! $850, DENIED! I thought the LUV had dried up from Synchrony!


A few days later, I received a letter from Synchrony that stated the Conoco CLI denial was in error and I received a CLI of $1,550. I thought, what an odd number. However, Synchrony still LUVs me!

Your FICO credit scores are not just numbers, it’s a skill.

Message 3 of 5
Senior Contributor

Re: Credit limit Increase Love


FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:

On the chopping block:

Message 4 of 5
Senior Contributor

Re: Credit limit Increase Love

Congrats on CLI !!!!!



8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 5 of 5
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