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Lowes/Synch. TWO CLI from 1K to 17K!

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Reazon
New Contributor

Lowes/Synch. TWO CLI from 1K to 17K!

Couple weeks ago I went on a spree, went 2/4.

 

Lowes approved for 1K,  wasn't super happy about low SL.

So I called in to credit services about 5 days later and requested 10K, Instantly approved, was feeling good about that.

Then was thinking about the new washer/dryer I wanted to put on 12m. 0% int, ( It will be paid off in 6 months or less)

So I started to think about utilization, want to stay under 20%.

So I called back 3 days after the 9K increase and I requested another 10K, for a Total of 20K.

After a few minutes, he countered with 7K, for a total of 17K!!!

Not bad, Two CLI's within a WEEK!   1K to 10K, up to 17K!!

pulled TU 

740 TU fico 8 is what their letter said.

 

Now would I upset Synch. if I were to apply for Walmart Card?

 

Thanks all

CSP 726/5K
AMEX DELTA GOLD 0/2K
Lowe's 0/17K
CAPONE QS 0/$750
DISCOVER IT SECURED 0/$300
RC WILLEY 0/$300
EX FICO 8= 711
EQ FICO 8= 735
TU FICO 8= 727
AS OF 05/12/2019
Message 1 of 12
11 REPLIES 11
CreditMagic7
Mega Contributor

Re: Lowes/Synch. TWO CLI from 1K to 17K!

Persistence comes through for you when dealing with certain Synchrony Bank cards especially.

 

Nice effort and the eagerness made for nice results.

 

Also i hardly doubt any problems with the current account should you try for Walmart.

 

Congratulations!

Message 2 of 12
Anonymous
Not applicable

Re: Lowes/Synch. TWO CLI from 1K to 17K!

I applied for CareCredit, Amazon Store Card & Walmart on the same day. All were instant approvals. As always ymmv
Message 3 of 12
gdale6
Moderator Emeritus

Re: Lowes/Synch. TWO CLI from 1K to 17K!

Grats on the new CL. I would recommend you wait till this card passes at least 3 months before going for the WM
Message 4 of 12
pinkandgrey
Senior Contributor

Re: Lowes/Synch. TWO CLI from 1K to 17K!

The CLIs on those cards are amazing! Congrats! Nice work!

Discover It: 21.5k
Amex Cash Magnet: 18k
Fidelity Visa: 16.5k
Apple Card: 4.25k
Message 5 of 12
Anonymous
Not applicable

Re: Lowes/Synch. TWO CLI from 1K to 17K!

Wow!! Very impressive CLI's. I wish I could do that with all of my cards Smiley LOL

 

Congrats!

Message 6 of 12
Anonymous
Not applicable

Re: Lowes/Synch. TWO CLI from 1K to 17K!


@Reazon wrote:

Couple weeks ago I went on a spree, went 2/4.

 

Lowes approved for 1K,  wasn't super happy about low SL.

So I called in to credit services about 5 days later and requested 10K, Instantly approved, was feeling good about that.

Then was thinking about the new washer/dryer I wanted to put on 12m. 0% int, ( It will be paid off in 6 months or less)

So I started to think about utilization, want to stay under 20%.

So I called back 3 days after the 9K increase and I requested another 10K, for a Total of 20K.

After a few minutes, he countered with 7K, for a total of 17K!!!

Not bad, Two CLI's within a WEEK!   1K to 10K, up to 17K!!

pulled TU 

740 TU fico 8 is what their letter said.

 

Now would I upset Synch. if I were to apply for Walmart Card?

 

Thanks all


Wow congrats on the gigantic CLIs! Smiley Surprised

Message 7 of 12
ZackAttack
Established Contributor

Re: Lowes/Synch. TWO CLI from 1K to 17K!

This story cracks me up ... 2 CLI in 1 week??? That's insane.

MSGCU Rewards | $8kDiscover Cash It | $10kAmex BCP | $15kBest Buy Visa | $20kChase Freedom Flex | $8kDCU Platinum | $8kNFCU Plat | $35kNFCU cashRewards | $24kAffinity FCU Cash Rewards | $7kAmazon Prime | 12.5kChase Unlimited | 16.4kUSAA Cashback Rewards Plus Amex | 10kAmex Business Cash | 10k


Loans
Ford Credit Car Loan 2-year 6/22/2023 ($299/month)
Closed
Michigan Schools & Gov't CU Titanium 1/4/2019 - 10/2/2020
Ford Credit Car Loan 3-year 7/31/2018-6/6/2021
$1,500 Discover Card 10/2/2020 - 8/18/2021
$3,500 Citi DC 10/14/2020 - 12/11/2021
$8,000 DCU Personal Loan 5-year 5.99% 10/2/2020 - 4/30/2021
$8,000 NFCU CashRewards 1/2/2021 - 7/30/2022
$5,000 MSGCU Personal Loan 3-year 7.75% 4/22/2022 - 10/30/2022
Ford Credit Car Loan 2-year 6/7/2021 - 6/22/2023
Message 8 of 12
ohnomyfigo
Contributor

Re: Lowes/Synch. TWO CLI from 1K to 17K!

Were those CLI's hard or soft pulls?

Message 9 of 12
Reazon
New Contributor

Re: Lowes/Synch. TWO CLI from 1K to 17K!

They were 2 SP's. I got lucky I guess
CSP 726/5K
AMEX DELTA GOLD 0/2K
Lowe's 0/17K
CAPONE QS 0/$750
DISCOVER IT SECURED 0/$300
RC WILLEY 0/$300
EX FICO 8= 711
EQ FICO 8= 735
TU FICO 8= 727
AS OF 05/12/2019
Message 10 of 12
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