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Synch Cli's

New Contributor

Synch Cli's

Recently had a 40 point jump in my TU as shown on my Synch Fico score to 697.

Everyone has said the Synch sweet spot it 670+ so i figured i'd give it a spin.

Walmart Store - Opened Dec 2016 with SL of $600, never have gotten any movement previously. They granted my request to raise to $2k. 

Amazon Prime Store - Opened Jan 2018 with SL of $200, denied cli previously. Granted increase to $1k.

Paypal Cashback 2% - Opened Mar 2018 with SL of $700 and heavy use since. Denied outright, no counter. 

Also have Old Navy Store card opened Jan 2018 with SL of $300 which i have no need for higher on that.

CLI requests were done via Luv Button.


Figured there is still money to be had on amazon and walmart - i'm satisfied with the limits for now.

PP 2% - i'm figuring possibly since 6 statements havent cut yet that maybe reason for denial.


I'm within 30days of closing on home, so once i close i'm liking my odds of app'ing for a Lowe's and getting a useable SL from Synch.

Message 1 of 13
Frequent Contributor

Re: Synch Cli's

I app’d for a Lowes on 6/22 and received a $1K SL and called Credit Solutions overseas about 3-4 hours later and asked for $10K and got instant approval with a TU 697. About a week ago my score went up to 716 and I hit the love button and asked for $20K and they countered with $17K.

Message 2 of 13
Senior Contributor

Re: Synch Cli's

Congrats on your CLI's !!!!



8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 3 of 13
Frequent Contributor

Re: Synch Cli's

Congratulations on your increases Smiley Happytenor

Message 4 of 13
Regular Contributor

Re: Synch Cli's

Congrats on the CLIs! Cat Happy

Message 5 of 13
Established Contributor

Re: Synch Cli's

I love your message, very cute!

EX: 725 (+62)| TU: 741 (+81)| EQ: 747 (+102)| TU Fico 9: 704

Next Goal: Min. 740 w/all CRAs

Subsequent Goal(s): Min. 760 w/all CRA & Chase FU

Gardening Until: 06/20/2021| Last App: 5/27/2020
Message 6 of 13
Valued Contributor

Re: Synch Cli's

Congrats on the CLI's!

Scores - All bureaus 756 +
TCL - Est. $275K
Message 7 of 13
Frequent Contributor

Re: Synch Cli's

They are really stingy with CLI's on the paypal mc.

I know everyone has a different profile but this is just what I notice.

I have one only at 1200.

Thinking when I hit 690 I will apply for Stash MC or Marvel MC.


Message 8 of 13
Established Contributor

Re: Synch Cli's

Congrats on the approval!Smiley Very Happy

Message 9 of 13
Frequent Contributor

Re: Synch Cli's

I started with Lowes about 12 mos ago with a 1500 cl.
Now I am at 10,000 after asking for an increase only once from 1500 to 10,000.
They seem pretty loose as long as you make regular payments, and have decent credit.

Dont wait for it to happen, Make it happen !
Message 10 of 13
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