Made Synchrony Cough Up Another 18K

[UH_HUH]

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@Aim_High wrote:

Congrats on your Lowe's Synchrony success, @UH_HUH!

But I must say I am perplexed by the mysteries of Synch.    

First they slash limits like mad.

Then they give limits like mad ... on a card not being used?

Go figure. 

Anyway, enjoy that while it lasts! 

If you want to keep it, a little spend might go a long way, perhaps? 

Who knows the secret formula!

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Thank you for the post @Aim_High 

I have read many of your posts, and

firmly believe that not  many people enjoy

the extent of credit knowledge you have.

 We are in a time of great change in our world. 

 People who ask questions first will get answers first.

I lost 60K in credit from an economic depression. 

Synchrony is responding to the same questions we all are.

What should I do? Who do I trust my money with??

I am just making sure they know that I am

the same reliable person I allways was.

What I spend doesn't

matter a fig to them atm.

It is all about who can you safely go forward with. 

 Again thanks for the comment,I enjoy reading your insights :-)

Cheers

[UH_HUH]

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@gdale6 wrote:

Excellent, right on up to the max on the card

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As allways @gdale6 

a pleasure to read your comment :-)

Cheers

[Loquat]

That's a very nice limit on one of my favorite cards. Congrats!!

[Meanmchine]

Congrats

[AverageJoesCredit]

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@UH_HUH wrote:

Morning my fellow MyFicoers :-)

I know this subject is a tad touchy,

and all views need respect. That being said

I asked Sync to give me 35K on my Lowes Card.

I opened this card in May with a 5K limit.

On August 18th I got them to 17K.

This morning I said gimme 35K

They said sure 

So thats 5K to 35K in under 5 months.

Synchrony took 60K in credit away from

me 6 months ago. I had gotten 29K back so far.

This now puts me at 47K out of 60K back.

I am relaying these data points so anyone

can find them if they need em in the future.

Was a sp so no need to hit all the dp's

Again,totaly understand not being down with

Synchrony. Just trying to give a light to people

who may one day be in the dark.

Hope this finds everyone well :-)

Cheers

EDIT*** I have not used this card yet.

I thought that was important to convey.

Take from it what you will :-)

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Uh oh! You did it again Nice job @UH_HUH  , im sending good vibes , is it in Sync? Dont know but it isnt time to say BYE BYE BYE yet😜

[gingerflower]

Congratulations!! 

[gingerflower]

@Aim_High 

@UH_HUHI

I got my CL slashed for not using my Chevron Cc. Problem is where I live there is no Chevron/Texaco so I could not use the Cc. Low and behold from $10,000 I got slashed to $1024 I was pissed. I finally did a research and found out an auto mechanic shop where I live accepts the card. Made charges to the card with double payments every month ...Finally yesterday I noticed I got my $10,000 limit given back to me!! Lesson learned,  use it or lose it...

[blindambition]

Beat them at their own game. Totally hilarious!!

It also helps when you have many other lenders to fallback on.

Cheers my friend!! That's worth a case of beer!!

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@UH_HUH wrote:

Morning my fellow MyFicoers :-)

I know this subject is a tad touchy,

and all views need respect. That being said

I asked Sync to give me 35K on my Lowes Card.

I opened this card in May with a 5K limit.

On August 18th I got them to 17K.

This morning I said gimme 35K

They said sure 

So thats 5K to 35K in under 5 months.

Synchrony took 60K in credit away from

me 6 months ago. I had gotten 29K back so far.

This now puts me at 47K out of 60K back.

I am relaying these data points so anyone

can find them if they need em in the future.

Was a sp so no need to hit all the dp's

Again,totaly understand not being down with

Synchrony. Just trying to give a light to people

who may one day be in the dark.

Hope this finds everyone well :-)

Cheers

EDIT*** I have not used this card yet.

I thought that was important to convey.

Take from it what you will :-)

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[Aim_High]

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@gingerflower wrote:

@Aim_High 

@UH_HUHI

I got my CL slashed for not using my Chevron Cc. Problem is where I live there is no Chevron/Texaco so I could not use the Cc. Low and behold from $10,000 I got slashed to $1024 I was pissed. I finally did a research and found out an auto mechanic shop where I live accepts the card. Made charges to the card with double payments every month ...Finally yesterday I noticed I got my $10,000 limit given back to me!! Lesson learned,  use it or lose it...

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Whoo Hoooo!    Nice job getting that limit restored @gingerflower!  Yes, some lenders can be sensitive to lack of use.  On the other hand, I have cards I rarely use that stay untouched, so it's lender and profile dependent.  I always recommend that if the card and limit are important to you, it's best to use them on a regular basis.  I have a few cards that I keep but if they were to CLD or close, it wouldn't really matter that much.  I know some of our members make a point to put at least a small charge on all their cards monthly, or to take them out a few times a year at least. 

But where in the world did they come up with a $1,024 limit?    Unless there was a balance on it?  Strange limit!

[coldfusion]

$1,024 is the typical limit in the aftermath of a Synchrony CLD due to an extended period (like 12 months) of non-use.

It's not uncommon for some or all of the previous CL to be restored if you call customer service or put something on the order of $20 or so on the card.