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Multiple synchrony CLIs - $8600, Citi Bestbuy - $5000, Discover $2000 approved

benreily
Established Contributor

Multiple synchrony CLIs - $8600, Citi Bestbuy - $5000, Discover $2000 approved

We are pleased to inform you that your credit limit has been increased.

  • New Credit Limit:
    $ 10000
  • Previous Credit Limit:
    $ 5,000

 

5th Cli today --. Woohoo!

 

Discover - CLI $2000

Citi BestBuy Visa - CLI $5000  (Will check if I am getting hp on cli and post an update)

Sam's Synchrony - CLI $600

Lowes Synchrony - $3000

Rooms To Go Synchrony - $5000

 

$15,600 CLI total in less than an hour! I am so happy right now.

Getting past the barrier Good to Very Good on Fico does give you the magic. The only score which is still low is my Experian score which Amex is basing on. I will wait until next month or more to see any change.

 

EQ 774 Fico 8(Through Citi), EQ 771 Fico 9(Through NFCU,PenFed)

TU 751 Fico 8 (Through Barclay,Discover)

EX 739 Fico 8(through Amex)

I am hoping CLI will help increased my scores so I could app cli from Amex.

 

Updates 11/24/2020

I received HP from Citi Bestbuy. Now I learned something new No HP for application (Mar 2020) but you will get HP for CLI.
Citibank Na., Best B   Inquiry from Nov 23, 2020 Television & Radio
4 HP on TU which will drop on late Feb to early Mar 2021 --> Smiley Happy
6 HP on EQ, with 2 drop on Feb and 1 on Aug 2021. The other 2 on Feb and 1 on Nov 2022. I thought previously I am going to have 3 drop on feb/mar on eq.
 
I know Vantage Scores do not mean much but it just give me some ideas how my scores would changed. Anyway, I got few scores 3 pts from each TU and EQ (credit karma vantage scores) for $2.38 balance on Amex Everyday and another 2 points drop on EQ (vantage score) for the Citi BestBuy. So my Vantage Score sitting at Tu 732 EQ 736 currently. For Fico 8 or 9, I don't have the today score other than what I posted. Unfortunately, Sams and Discover wouldn't be posting new CLI for me in time to the credit bureaus. So I am hoping Citi  Bestbuy (2nd) and Lowes (1st) CLI  will help me to get higher Fico 8/9 scores to counter the HP and the rest later next month.
 
Another update:
Citi Double Cash pre-approved dissapear from Credit Karma. It changed from pre-approved to fair approval odds. I had pre-approved from them from months and they even send me a mail letter with pre-approval code. Since I was approved for Citi Bestbuy CLI with hp this morning the pre-approved dissappear. Interesting right? I am ok with it since I am not interested in applying for a new card with hp until next year once most of the hp dropped off. It will be game on again. Smiley Happy
Starting Score: (Nov 2013) EQ 650, EXP 750, TU 750 | Score: (Dec 16, 2017) EQ > 720, EXP ?, TU > 730
Recent(Apr 13th,2022) EQ Fico 8 -, Fico 9 817 | TU Fico 8 823, Fico 9 - | EX Fico 8 791, Fico 9 - | AoOA 20 years, 0 months, AAoA 6 years, 7 months
Message 8 of 22
21 REPLIES 21
benreily
Established Contributor

3rd CLI today Sams Club - $600 from $9400 to $10,000

We are unable to grant the full amount that you requested;
however, we are able to increase your credit limit to $10,000.00.

Your increased credit limit is available for immediate use.

You will receive a confirmation letter in 7-10 business days.

 

I have Sams's Club Synchrony with $9400 increased by bit by bit. CLI $100 or $200 from time to time. However, it feels like a long time since they bump me more than $200 CLI. $600 is not bad and at least I am hitting $10,000. I was trying $5000 from $9400 to $14400.

 

The last few months I have been spending a lot from Sam's Club just to get activities going and pif usually within a month. Twice I let it stay in the statement for more than a month and PIF them again. I heard Synchrony is scaling down on giving credit. Is that right?

 

Current Score as of Nov 27th:

EQ 774 Fico 8(Through Citi), EQ 771 Fico 9(Through NFCU,PenFed), TU 751 Fico 8 (Through Barclay,Discover), EX: 739 Fico 8(through Amex)

Starting Score: (Nov 2013) EQ 650, EXP 750, TU 750 | Score: (Dec 16, 2017) EQ > 720, EXP ?, TU > 730
Recent(Apr 13th,2022) EQ Fico 8 -, Fico 9 817 | TU Fico 8 823, Fico 9 - | EX Fico 8 791, Fico 9 - | AoOA 20 years, 0 months, AAoA 6 years, 7 months
Message 1 of 22
benreily
Established Contributor

4th CLI - Lowes $3000 increased from $7000

We are pleased to inform you that, effective immediately,
your credit limit has been increased to $10,000.00.

Your increased credit limit is available for immediate use.

You will receive a confirmation letter in 7-10 business days.

 

I am doing this because of my recent  EQ, TU and EXP scores increased. Never let that opportunity slides.

 

I wish I put in $5000 to see what the max increased they would give me.

Discover - CLI $2000

Citi BestBuy Visa - CLI $5000

Sam's Synchrony - CLI $600

Lowes Synchrony - $3000

 

Next one will be Amex. However, Amex is basing on Experian and it has the lowest score. I will wait until these CLI bump up my credit scores and I will try Amex.Capital One hasn't been generous for few years now so I don't think I am getting any cli from them and the last one was 5 or 6 years ago. Chase is very strict on last 2 years hp and the last auto cli was 6 or 7 years ago, I couldn't remember now.

 

 

Starting Score: (Nov 2013) EQ 650, EXP 750, TU 750 | Score: (Dec 16, 2017) EQ > 720, EXP ?, TU > 730
Recent(Apr 13th,2022) EQ Fico 8 -, Fico 9 817 | TU Fico 8 823, Fico 9 - | EX Fico 8 791, Fico 9 - | AoOA 20 years, 0 months, AAoA 6 years, 7 months
Message 2 of 22
M_Smart007
Legendary Contributor

Re: 3rd CLI today Sams Club - $600 from $9400 to $10,000

Congratulations!

Message 3 of 22
M_Smart007
Legendary Contributor

Re: 4th CLI - Lowes $3000 increased from $7000

Congratulations!

Message 4 of 22
cashorcharge
Community Leader
Senior Contributor

Re: 4th CLI - Lowes $3000 increased from $7000

Terrific!  Congratulations on your approval!

Message 5 of 22
cashorcharge
Community Leader
Senior Contributor

Re: 3rd CLI today Sams Club - $600 from $9400 to $10,000

Terrific!  Congratulations on your approval!

Message 6 of 22
JoeLuvsHisCredit
Valued Contributor

Re: 3rd CLI today Sams Club - $600 from $9400 to $10,000

Congratulations

Message 7 of 22
GApeachy
Super Contributor

Re: 5th CLI Rooms To Go Synchrony $5000 to $1000


@benreily wrote:

Congrats....catchy title(s)^^^    *wink*wink*Smiley LOL

 

Just messing with ya, I know it's exciting.   Enjoy all the extra $pending power.  

 

 

 

 

 

"My Take Home Pay Don't Take Me Home"
Message 9 of 22
AverageJoesCredit
Legendary Contributor

Re: 5th CLI Rooms To Go Synchrony $5000 to $1000

Nice job @benreily Smiley Happy. I miss those days of multiple cliSmiley Happy

Message 10 of 22
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