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PPMC CLI

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Frequent 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.


not sure. you may want to chat w them or call. 

 

i'm a bit confused at how they score things. when i got the card, they used their own scoring method, which freaked me out bc i didn't know that and the score was so low. i looked at my score on their site and it says this at the bottom: "Your Credit Score and Reason Codes are provided to Synchrony and reflect the information contained within your TransUnion® credit report" 

Message 11 of 19
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Frequent Contributor

Re: PPMC CLI

Congratulations on your CLI!








Message 12 of 19
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Valued Contributor

Re: PPMC CLI

CONGRATS  on your  3X  PayPal MasterCard CLI - Way to GO!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $13.7K | Citi AAdvantage WEMC $14K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | NFCU cashRewards $3K | NFCU More Rewards AMEX $33K | NFCU Flagship VS $15K
Apple Card WEMC $6K | Macy's AMEX $4.5K | PenFed Power Cash Rewards VS $7.5K

TCL - $194K+ | Rebuilding since April 2018
Message 13 of 19
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Super Contributor

Re: PPMC CLI

Congrats on your CLI



3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>05/2020 CCT EX 834 TU 848 EQ 844

I'd get it one piece at a time
And it wouldn't cost me a dime
You'll know it's me when I come through your town
I'm gonna ride around in style
I'm gonna drive everybody wild
'Cause I'll have the only one there is around.

- Johnny Cash One Piece At A Time
Message 14 of 19
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Regular Contributor

Re: PPMC CLI

IME, you can get 3x CL every 3 months.

 

I went from $300-$900-$2700. When I got the letter in the mail because I didn't get my full request it was because you cannot get more than 3x CL. 

Message 15 of 19
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Frequent Contributor

Re: PPMC CLI


@CreditJourney007 wrote:

IME, you can get 3x CL every 3 months.

 

I went from $300-$900-$2700. When I got the letter in the mail because I didn't get my full request it was because you cannot get more than 3x CL. 


thanks so much for that info. i was wondering when i should try again. congrats on your cli, too!

Message 16 of 19
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Frequent Contributor

Re: PPMC CLI

Congrats on the approval


2018 Dec Starting Score: 700
Current Score: 768
Achieved Goal Score 2020: 800


Take the myFICO Fitness Challenge












Message 17 of 19
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Senior Contributor

Re: PPMC CLI

Congratulations












(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated April 2020.

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Extent? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new account, with open loan on record.
If you don't know where you fall, just list whether you have any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record.
For utilization questions, list individual and aggregate utilizations, revolving and installment. please.
Message 18 of 19
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Regular Contributor

Re: PPMC CLI

You’re welcome.

My next cli attempt will be early feb since my last one was early November. So we will see if that holds true. Now with their vantage scores who knows. But my TU 8 is 697 and Vantage is 710. Historically that was good enough to get at least 8k which is what I am shooting for.
Message 19 of 19
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