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Sync cli question - Approved

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Frequent Contributor

Sync cli question - Approved

Should my DW try for a cli?

My wife and I bought some furniture at a local furniture store (Rotman's) that uses synchrony for a lender.

My wife has had this card for a few years now and has used it for a couple of large purchases in the past.

She PIF every card every month except for some 0% interest cards and this purchase was one of them.

her scores are at or close to 800 and all her other DPs are great maybe except for AAoA (2.5 years) and uti is unusually high for her (7%) because of this purchase.

The only caveat is that this account is at 72% uti.

all her other 9 CCs are at < 1%

 

Does anyone think she will get denied just because of the high UTI on just this card? 

Chapter-13 filed 11/13 discharged 06/16
Starting MyFico Scores 09/16 - (EQ 630 | TU 581 | EX 592)
Current Scores 9/2020 - (EQ 809| TU 786 | EX 796)

Total CL 150k

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Message 1 of 13
12 REPLIES 12
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Epic Contributor

Re: Sync cli question


@raisemysc0re wrote:

Should my DW try for a cli?

My wife and I bought some furniture at a local furniture store (Rotman's) that uses synchrony for a lender.

My wife has had this card for a few years now and has used it for a couple of large purchases in the past.

She PIF every card every month except for some 0% interest cards and this purchase was one of them.

her scores are at or close to 800 and all her other DPs are great maybe except for AAoA (2.5 years) and uti is unusually high for her (7%) because of this purchase.

The only caveat is that this account is at 72% uti.

all her other 9 CCs are at < 1%

 

Does anyone think she will get denied just because of the high UTI on just this card? 


To be honest, log-in and hit the CLI button .. it is only a SP.

Really the only way you will truly find out.

 

Oh and ask high, they will counter offer what they are willing to give you.

 

Good Luck!

popcorn eating emoticon.gif

Message 2 of 13
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Regular Contributor

Re: Sync cli question

And you can always ask again if you are denied! 



AoOA- 7 - AAoA - 4.6 - Clean Profile - 23% UTI - 10k/44k Limits

Message 3 of 13
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Frequent Contributor

Re: Sync cli question

Wasn't sure if it was a SP or HP.

increased to desired amount of 10k...

Chapter-13 filed 11/13 discharged 06/16
Starting MyFico Scores 09/16 - (EQ 630 | TU 581 | EX 592)
Current Scores 9/2020 - (EQ 809| TU 786 | EX 796)

Total CL 150k

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Message 4 of 13
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Epic Contributor

Re: Sync cli question


@raisemysc0re wrote:

Wasn't sure if it was a SP or HP.

increased to desired amount of 10k...


@raisemysc0re, That is great! .. Congratulations on your CLI Smiley Happy

popcorn eating emoticon.gif

Message 5 of 13
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Moderator

Re: Sync cli question

Is a SP and congrats to your DW on the increase Smiley Happy

Message 6 of 13
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Frequent Contributor

Re: Sync cli question

Thanks everyone... And thanks for the SP verification @M_Smart007 

Chapter-13 filed 11/13 discharged 06/16
Starting MyFico Scores 09/16 - (EQ 630 | TU 581 | EX 592)
Current Scores 9/2020 - (EQ 809| TU 786 | EX 796)

Total CL 150k

| | | | | | | | | | | |
Message 7 of 13
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Valued Contributor

Re: Sync cli question

Congratulations on your CLI!!!

Message 8 of 13
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Epic Contributor

Re: Sync cli question


@raisemysc0re wrote:

Thanks everyone... And thanks for the SP verification @M_Smart007 


You are WelcomeSmiley Happy

popcorn eating emoticon.gif

Message 9 of 13
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Super Contributor

Re: Sync cli question

Congratulations on DW CLI!
Message 10 of 13
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