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Mini Synchrony Walmart store card CLI—finally out of the $200 CL dungeon

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Frequent Contributor

Mini Synchrony Walmart store card CLI—finally out of the $200 CL dungeon

First got the card at the beginning of the year, SL $200. Just grateful to get in! No complaints. Though it would be nice to have a little more. I have requested CLIs for months now, always denied. I ask for modest, realistic CLIs. 

 

I thought I'd try again, because why not. I don't know if I updated my income in previous requests, so I did this time. (From $23K to $25K, no big difference.) Asked for an increase to $500....

 

AND GOT IT!!!!! RIGHT UNDER THE WIRE!!!! (Before the card switches to Cap One!) WOO HOO!!!

 

I know it's not a HUGE difference, but yeah. When you are dealing with $200 for this long and never thought it would get better, it is AWESOME.

 

Data Points (not that it matters?). FICO 650-660s, high util (68%), a 90-day-late a year ago. Six inquiries on TU. Low income. Steady growth of FICO score since I was first approved in January for this card. Average age of accounts and average age of oldest accounts is pretty good. 

FICO8: Nov 20, 2018:
FICO8: Nov 20, 2019:
FICO8: Jan 11, 2020:
Goal for December 2019: FICO8 640-700 (reached! Fico 681!)
Goal for December 2020: FICO8 685-710
Overstock Store Card, $2,250Walmart Store Card, $500 limitDiscover IT Cash Back, $2000Navy Fed cashRewards, $2000Shell Citi store card, $800Navy More Rewards, $17,000RIP Green Dot Platinum
Overstock $4,250, Walmart $500, Discover IT Cash Back $2400, Navy Fed cashRewards $2000, Shell (Citi) Fuel Rewards $800, Navy More Rewards $17,000, (RIP Green Dot Platinum Secured)

Starting Score: 539
Current Score: 676
Goal Score: 760


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Message 1 of 14
13 REPLIES 13
Super Contributor

Re: Mini Synchrony Walmart store card CLI—finally out of the $200 CL dungeon

 

Congrats!

 

 

Message 2 of 14
Frequent Contributor

Re: Mini Synchrony Walmart store card CLI—finally out of the $200 CL dungeon

Firstly,Congratulations!! Success matters :-)

Secondly,in general,more is usually better

on a credit card ;-) Glad

you got it before Cap One takes over.

Cheers

And thanks for the data points,they matter to.

Message 3 of 14
Valued Contributor

Re: Mini Synchrony Walmart store card CLI—finally out of the $200 CL dungeon

That's still over a 2x CLI, so it's definitely a big deal. Congrats on the growth!



Message 4 of 14
Established Contributor

Re: Mini Synchrony Walmart store card CLI—finally out of the $200 CL dungeon

Congratulations! Call Credit Solutions asap 877-379-8173, you may be able to get a little more. I called yesterday and confirmed they are still processing CLI's for Walmart. Good luck!

BBVA CP. Cap One: QS, SavorOne, VentureOne, Walmart. Discover chrome. DSNB: Bloomies Amex, Macy's Amex. Misc: Overstock, Target. NFCU: cashRewards, Platinum. Sync: Amazon, eBay MC, Lowe's, PP MC, PPC. WF Propel Amex.

Scores: 700s, Util: 3-5%, Inq: TU 6, EX 7, EQ ?. TCL: 150k. Goal: 200-300k.

Garden 210/7. Next Up: NFCU Plat #2, combine and/or close 2-3 accts, then cultivate my garden for 2 yrs and watch it grow! Also, late this year will start looking at opening business accounts.
Message 5 of 14
Established Contributor

Re: Mini Synchrony Walmart store card CLI—finally out of the $200 CL dungeon

Congrats!!

~buried myself in the garden~
Message 6 of 14
Established Contributor

Re: Mini Synchrony Walmart store card CLI—finally out of the $200 CL dungeon

I second the calling ASAP and seeing if they would do a little more BUT in any way Congrats a win is a win no matter how big or small!!!!
















Message 7 of 14
Valued Contributor

Re: Mini Synchrony Walmart store card CLI—finally out of the $200 CL dungeon

Congrats on your Walmart increase!

Currently: Gardening since 12/29/2019


Message 8 of 14
Community Leader
Mega Contributor

Re: Mini Synchrony Walmart store card CLI—finally out of the $200 CL dungeon

CongratsSmiley Happy what does a mini Walmart card look like? Can you insert in in a phone?😁
#ChaseCreditCardHobby Enthusiast
2022
!
Message 9 of 14
Frequent Contributor

Re: Mini Synchrony Walmart store card CLI—finally out of the $200 CL dungeon

Thanks, everyone!

 

I called their credit solutions number (thanks !) but they said no go. Oh well, I'm happy with the $500 limit! It feels great!

 


@AverageJoesCredit wrote:
CongratsSmiley Happy what does a mini Walmart card look like? Can you insert in in a phone?😁

LOL! Wouldn't that be an interesting image?

FICO8: Nov 20, 2018:
FICO8: Nov 20, 2019:
FICO8: Jan 11, 2020:
Goal for December 2019: FICO8 640-700 (reached! Fico 681!)
Goal for December 2020: FICO8 685-710
Overstock Store Card, $2,250Walmart Store Card, $500 limitDiscover IT Cash Back, $2000Navy Fed cashRewards, $2000Shell Citi store card, $800Navy More Rewards, $17,000RIP Green Dot Platinum
Overstock $4,250, Walmart $500, Discover IT Cash Back $2400, Navy Fed cashRewards $2000, Shell (Citi) Fuel Rewards $800, Navy More Rewards $17,000, (RIP Green Dot Platinum Secured)

Starting Score: 539
Current Score: 676
Goal Score: 760


Take the myFICO Fitness Challenge   |   My credit recovery journal

Message 10 of 14
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