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PPMC CLI

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Frequent Contributor

PPMC CLI

I've had this card for a little over 3 months and was declined for a CLI a month or two ago. I saw a Request More button that I had never seen before, so I decided to click it.

 

Original CL = 1000

Asked for new line of 5000

 

I was disappointed and was just going to close the window when I saw the "we are unable" verbiage, then I saw "however" on the next line. They were able to increase the CL to 3000. Literally did a dance! LOL. Very happy bc this came just in time for an upcoming major purchase.

 

Below are just some data points for those interested....

 

Usage:

About 2300 on the first 3 statements. About 1000 this month and have already paid that off. Outside of this month, I've never PIF before the statement cut, but I PIF before the due date. For the 2nd and 3rd statement, I paid about half of the bal before the statements cut.

 

Credit file:

I opened about 8 CC in the last 4 months of 2019.

I had 3 small baddies removed over the past few weeks and that seemed to have helped my score. Still have tons of individual late payments for student loans from 2017. Other than that, clean file.

 

Score w Synch is in the Fair range, in the 630s.

Message 1 of 19
18 REPLIES 18
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Super Contributor

Re: PPMC CLI

Congratulations on your CLI!

Message 2 of 19
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Established Contributor

Re: PPMC CLI

Congrats!

My credit card journey started 3/2018



Summit Speed Card/Sync Car Care - $10000 CL
Discover It - $6500 CL - 5% rotating
AMEX BCP - $25000 SL - 6% groceries
BBVA Clear Points Rewards - $15300 SL - 3% utilities
PayPal Mastercard - $10000 CL - 2% General
PNC Cash Rewards - $5000 SL - 4% gas 3% restaurants
BB&T Spectrum Cash Rewards VS - $6500 SL - 3% gas
Cap 1 Quicksilver - $1600 CL(DW’s card) - 1.5%
Credit One Platinum - $1500 (DW’s starter card) - 1%
AMEX Cash Magnet - $2000 SL (DW’s) 5% general (6 mos)
BBVA Clear Points (DW’s) $10,000 SL - 3% retail

Total CL - $93300

Cash Back and SUBs earned as of 2/17/20 - $2215.52

In the garden lettin’ ‘em grow!

CU Memberships


FICO 8 Scores as of 4/19/20
741 Experian, 747 TransUnion, 749 Equifax

Goal cards:
Message 3 of 19
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Frequent Contributor

Re: PPMC CLI

Congrats!
Message 4 of 19
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Valued Contributor

Re: PPMC CLI

From 1k to 3k is a nice jump -- suggests to me your lender is warming to you. Congrats! 

You watch, next CLI will be better (especially with your level of spend & PIF). 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (05/20/2020): FICO 08 EXP: 743; TU: 751; EQ: 759
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 5 of 19
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Frequent Contributor

Re: PPMC CLI

Does anyone know what score version Sychrony is using for CLIs and/or approvals for this card? I currently have a card with them and cannot get a CLI because my Vantage 4.0 score is 606, which is way lower than my my FICO 08 of 684. I am thinking of applying for this card soon, but I don't want to waste my time if they use the same score for CLIs on this one.

Message 6 of 19
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Mega Contributor

Re: PPMC CLI

Congrats!

Message 7 of 19
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Super Contributor

Re: PPMC CLI

Congrats! 

Sync tells me no every time. I got tired of the letters coming in the mail so I've just accepted it's gonna be $8K. Had it for a year. 

✌️
Message 8 of 19
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Valued Contributor

Re: PPMC CLI


@RehabbingANDBlabbing wrote:

Does anyone know what score version Sychrony is using for CLIs and/or approvals for this card? I currently have a card with them and cannot get a CLI because my Vantage 4.0 score is 606, which is way lower than my my FICO 08 of 684. I am thinking of applying for this card soon, but I don't want to waste my time if they use the same score for CLIs on this one.


When I applied they did not use Vantage or FICO. They used their own internal scoring system. I do not know what they use for CLI since I have not asked dor one yet.

Message 9 of 19
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Valued Contributor

Re: PPMC CLI

Congratulations on your CLI! 👍




My Cards:






Profile Type: New, Thick, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 28.95k Util. 3% AAoA: 1yr, 8mo.
AoOA: 2 yrs, 8 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
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