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Synchrony Amazon Store Card CLI $10k Instant Approval!

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Synchrony Amazon Store Card CLI $10k Instant Approval!

Hey everyone... my 3rd statement just cut with the Synchrony Amazon Store Card, so I requested the CLI on the website and got $10k instant approval!! Super exciting!

 

Here are some data points if they're helpful for others: Starting limit was $2,500.  My current TU score is 754.

 

When I tried the CLI button on the website last month, I got denied with the "not enough experience at current credit limit" letter.

 

Maybe I should have asked for more? I'm wondering how high this limit can go.

 

Interestingly, I also have the PayPal 2% card with Synchrony and I've had 3 statements cut with that card as well, and every time I ask for a CLI, I get the same denial.  I'll try that one after the 4th statement cuts next week.

Message 1 of 10
9 REPLIES 9
Valued Contributor

Re: Synchrony Amazon Store Card CLI $10k Instant Approval!

Congrats on the CLI! My DW has the same card and I had her put in 50K, and they countered on that. I would suggest doing the same next time.


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 2 of 10

Re: Synchrony Amazon Store Card CLI $10k Instant Approval!


@xaximus wrote:
Congrats on the CLI! My DW has the same card and I had her put in 50K, and they countered on that. I would suggest doing the same next time.

What did they counter with?

 

I actually would prefer to get a higher limit on the PayPal 2% cash back card because I can use that one outside of Amazon.  I tried CLI after last statement (3rd) and got the "not enough experience..." denial so I'm going to try again after the 4th statement next week.

Message 3 of 10
Valued Contributor

Re: Synchrony Amazon Store Card CLI $10k Instant Approval!

Congrats! CB24 & thank you for the DPs.

I've been told that different co-brands have different UW criteria -- for approval and for CLI -- which might help explain why my Synchrony JC Penny's has a 10K CL and my Lowes has a 35 K CL. Both opened about the same time with similar SL and both luv bottons worn down to a nub, but with quite different results. 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (10/17/2019): FICO 08 EXP: 739; TU: 744; EQ: 749
2019 Goal Score: 800 across the board


Take the myFICO Fitness Challenge
Message 4 of 10
Valued Contributor

Re: Synchrony Amazon Store Card CLI $10k Instant Approval!


@creditboss24 wrote:

@xaximus wrote:
Congrats on the CLI! My DW has the same card and I had her put in 50K, and they countered on that. I would suggest doing the same next time.

What did they counter with?

 

I actually would prefer to get a higher limit on the PayPal 2% cash back card because I can use that one outside of Amazon.  I tried CLI after last statement (3rd) and got the "not enough experience..." denial so I'm going to try again after the 4th statement next week.


I believe they countered with a 4k bump, from 8K to 12K. 



Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 5 of 10
Frequent Contributor

Re: Synchrony Amazon Store Card CLI $10k Instant Approval!

fantastic CLI! Congrats!

  
(Sigh, farewell dear CSR. Though we only were together briefly, you'll be missed....)

  
  

Formerly GrowOrDie
Message 6 of 10
Valued Contributor

Re: Synchrony Amazon Store Card CLI $10k Instant Approval!


@creditboss24 wrote:

Hey everyone... my 3rd statement just cut with the Synchrony Amazon Store Card, so I requested the CLI on the website and got $10k instant approval!!


You are the "Boss"!  Wow!!!!! awesome

"My Take Home Pay Don't Take Me Home"
Exp: 720 Eq: 744 Tu: 736
Message 7 of 10
Valued Contributor

Re: Synchrony Amazon Store Card CLI $10k Instant Approval!

Congrats on your Synch Amazon CLI! Sweet $10k! Smiley Happy






Message 8 of 10
Super Contributor

Re: Synchrony Amazon Store Card CLI $10k Instant Approval!

Congrats on the CLI!

 

As for the PayPal, Sync seems to like 5-6 months before they’ll give any luv from the DPs I’ve seen. 



01/2019:
10/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 9 of 10
Senior Contributor

Re: Synchrony Amazon Store Card CLI $10k Instant Approval!

Congratulations on your approval!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 10 of 10
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