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Frustrated with Amazon Store CC - Update: CLI Approved

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Contributor

Frustrated with Amazon Store CC - Update: CLI Approved

So I originally was approved for the Amazon Store CC with a paltry 200.00 line... In the last 9 months my score has increased into the 700's...
I hit the CLI luv button, and everytime I get the dreaded denied button...
when I get the letter it states that my scores are too low, it shows that the report was last pulled in november of 2018...so when do they update your credit score? Anyone else ever run into this problem?
Thoughts?
 



8/19 FICO 8 TU 724 EX 712 EQ 698

FICO 9 EX 737
Starting Score: 720
Current Score: 720
Goal Score: 800


Take the myFICO Fitness Challenge
Message 1 of 14
13 REPLIES 13
Established Contributor

Re: Frustrated with Amazon Store CC

Synchrony’s methods are, quite often, a mystery. They are very generous with some profiles (including those that you wouldn’t expect generosity out of), and uptight with others (that you would expect them to loosen the purse strings for). I also seem to be in the latter group. My PayPal MC’s limit lags wayyyy behind my other cards’ limits and they haven’t given me a CLI in the 1 year+ that I’ve had the card.

Some have reported luck with calling Sync’s overseas phone number and requesting an updated soft pull for CLI consideration. You might try that before giving up.
Personal Credit -
AMEX: Platinum, Green, Cash Magnet, Schwab Investor
PNC: Cash Rewards, Points
NFCU: Flaghship Rewards, Cash Rewards, More Rewards, CLOC
PSECU: Founders
BB&T: Spectrum Cash Rewards
CapOne: Quicksilver
Discover: IT Chrome, IT
Synchrony: PayPal 2%, PayPal Credit
Barclays: Uber
PenFed: Power Cash Rewards
Store Cards: Target
AU Cards: Citi Rewards+

Business Credit-
AMEX: Blue Business Plus, Amazon Prime, Simply Cash Plus
Message 2 of 14
Valued Member

Re: Frustrated with Amazon Store CC

How much do you spend each month on the card? Some companies (cap one) want you to max out the card and pay it down 2 or 3 times in a billing cycle before they will give a CLI.

Message 3 of 14
Contributor

Re: Frustrated with Amazon Store CC


@Penjamin_Fedington wrote:
How much do you spend each month on the card? Some companies (cap one) want you to max out the card and pay it down 2 or 3 times in a billing cycle before they will give a CLI.

I use the card every month to the limit and payoff in full each month before the statement end date...




8/19 FICO 8 TU 724 EX 712 EQ 698

FICO 9 EX 737
Starting Score: 720
Current Score: 720
Goal Score: 800


Take the myFICO Fitness Challenge
Message 4 of 14
Community Leader
Mega Contributor

Re: Frustrated with Amazon Store CC

Are your reports frozen or locked by any chance? 

Synch will not entertain CLI requests with locked/frozen reports

Message 5 of 14
Community Leader
Mega Contributor

Re: Frustrated with Amazon Store CC

By calling Credit Solutions, with unfrozen report, they will sp you in the moment. 2 to 3 minutes wait time. I think you have a great shot now. Ask for 10k, your score merits that limit Smiley Happy Good luckSmiley Happy
#ChaseCreditCardHobby Enthusiast
2022
!
Message 6 of 14
New Contributor

Re: Frustrated with Amazon Store CC


@EaglesWinLII wrote:

So I originally was approved for the Amazon Store CC with a paltry 200.00 line... In the last 9 months my score has increased into the 700's...

I hit the CLI luv button, and everytime I get the dreaded denied button...

when I get the letter it states that my scores are too low, it shows that the report was last pulled in november of 2018...so when do they update your credit score? Anyone else ever run into this problem?

Thoughts?

The same thing happened to me with my Walmart Card. My SL was at $500. My bankrupcty had fallen off my Transunion so I kept trying for an increase. I even waited for specific statements to be cut then tried to get an increase and got denied. I had called in to ask why and just kept being told to try back. Finally the last rep explained to me that they use the original report that was pulled until a certain time passes. My pull date on my letter I believe was like October 2018 and the rep told me to try to ask for an increase after the 6th of May that has passed. And to give it a few days after that to let it update just in case. I did it on the 10th and got an increase. I believe different banks have different requirements of when they update their reports. Since yours was on November 2018 I would wait till the middle of this month to give it some time and try again. Or try calling and speaking to a rep and see if they can give you a better idea of a date. It just depends on that particular rep that answers the phone is willing to really look and help you. Good luck.


 

Credit One Bank - CL $1900
Walmart Store Card - $5000
Discover It - CL $4700
Macys Red Card - $11000
Lowes Advantage - CL $27000
Chase Freedom Unlimited - $7900

>

Message 7 of 14
Contributor

Re: Frustrated with Amazon Store CC


@AverageJoesCredit wrote:
By calling Credit Solutions, with unfrozen report, they will sp you in the moment. 2 to 3 minutes wait time. I think you have a great shot now. Ask for 10k, your score merits that limit Smiley Happy Good luckSmiley Happy

Just got off the phone with them... they increased my line to 1000.00 with a review in 90 days...

Once again MFF comes thru...

Just shows how much knowledge are on these boards....

 

Thank you to everyone, especially the New DISCO member!! Smiley Wink




8/19 FICO 8 TU 724 EX 712 EQ 698

FICO 9 EX 737
Starting Score: 720
Current Score: 720
Goal Score: 800


Take the myFICO Fitness Challenge
Message 8 of 14
Established Contributor

Re: Frustrated with Amazon Store CC

That's great, although $1000 is still awfully low for your profile, IMO ... they gave me a $1500 limit two weeks ago, and then as now, my oldest account on TU is 2 months old, I don't even have a TU FICO score, and my FAKOs are low 600s ... this stuff can be mysterious. Anyway, congrats, and hopefully it builds up at a good pace starting in 90 days.


FICO 8 scores are deceptively high. My profile is young with a lot of new accounts and even more inquiries from 2019. The Barclay AU card is not on TransUnion; and, Equifax has some old positive accounts from 2011 that are not on the other two. That is the reason for the variation in scores. No derogs. Over 5/24 until fall 2021.
Cards

Authorized user / Corporate / Auto loan

Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | Citi secured, $200, 045/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.

Goals: Late 2020 - Ducks Unlimited card; scores in high 700s with inquiries aging. Long-term goal - Prime rate mortgage; able to qualify for most standard credit products.
Message 9 of 14
Moderator

Re: Frustrated with Amazon Store CC

Hi @EaglesWinLII, congrats on finally getting a CLI on your Amazon CC.

I have moved your thread to the Approvals section and made a slight edit on the title. Feel free to edit/update as you wish.
Message 10 of 14
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