cancel
Showing results for 
Search instead for 
Did you mean: 

Synchrony CLI requests - Approved

Highlighted
New Contributor

Synchrony CLI requests - Approved

When I ask for a CLI for PayPal Credit and the Amazon Store Card by hitting their online "luv" button, do they do a soft pull or a hard pull?

Wells Fargo Cashwise Visa (3K), Chase Amazon Prime Visa (1500), Discover It (18K), Chase Freedom (2.3K), Capital One Quicksilver (6750), Apple Credit Card(6.5K), American Express Blue Cash Preferred (7.5K), Capital One Savor (10K), Costco Anywhere Visa Card by Citi (9K), Citi Double Cash (6K), Wells Fargo Propel AMEX (5K), Amazon Store Card (5K), Exxon-Mobil Card (1200), Citi Best Buy Visa (6K), Shell Fuel Rewards MasterCard (4.2K), Bank Of America Cash Rewards MasterCard (8K), PayPal Credit (5K), Target RedCard (1600), Synchrony BP Visa (5K), Synchrony MasterCard (7K), Fifth Third Bank Trio Mastercard (6.5K)

EQ 742 TU 770 EX 763
Message 1 of 18
17 REPLIES 17
Highlighted
Frequent Contributor

Re: Synchrony CLI requests

For Amazon, it was a soft pull for me when I requested one last month. I just did one last night for my Rooms to Go account (Sychrony Bank also), and that was also a SP.









Message 2 of 18
Highlighted
Community Leader
Senior Contributor

Re: Synchrony CLI requests

My Lowe's CLIs have been SPs and most reports here are that a SP is the typical way for Synchrony. As always, expect a HP so you're not surprised if it does happen, no matter how rare it may be, and be happy when it turns out to be a SP. Nothing in credit is guaranteed.



Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | PenFed PCR | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





TCL $95,400 | Agg. Util under 5%
Message 3 of 18
Highlighted
Epic Contributor

Re: Synchrony CLI requests


@Bandit5160 wrote:

When I ask for a CLI for PayPal Credit and the Amazon Store Card by hitting their online "luv" button, do they do a soft pull or a hard pull?


I have multiple Synch cards. Never been a HP  .. and I have smashed the CLI button mant times.

popcorn eating emoticon.gif

Message 4 of 18
Highlighted
Established Contributor

Re: Synchrony CLI requests

It’s seldom a HP, but it should be pointed out that it’s not necessarily an immediate SP with up-to-the-minute report info. Sync is notorious for making CLI decisions based on SP pulls that were done months in the past.
Personal Credit -
AMEX: Platinum, Gold, Blue Cash Preferred, Schwab Investor
PNC: Cash Rewards, Points
NFCU: Flaghship Rewards, Cash Rewards, More Rewards, CLOC
PSECU: Founders
BB&T: Spectrum Cash Rewards
CapOne: Quicksilver
Discover: IT Chrome, IT
Synchrony: PayPal 2%, PayPal Credit
Barclays: Uber
PenFed: Power Cash Rewards, Platinum Rewards
Alliant: Visa Signature
Store Cards: Target, Macy’s
AU Cards: Citi Rewards+

Business Credit-
AMEX: Delta Gold, Amazon Prime, Simply Cash Plus
PNC: Visa Business
Message 5 of 18
Highlighted
Valued Contributor

Re: Synchrony CLI requests


@M_Smart007 wrote:

I have multiple Synch cards. Never been a HP  .. and I have smashed the CLI button mant times.


Ditto. 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (11/11/2020): FICO 08 EXP: 747; TU: 762; EQ: 782
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 6 of 18
Highlighted
Frequent Contributor

Re: Synchrony CLI requests


@M_Smart007 wrote:

@Bandit5160 wrote:

When I ask for a CLI for PayPal Credit and the Amazon Store Card by hitting their online "luv" button, do they do a soft pull or a hard pull?


I have multiple Synch cards. Never been a HP  .. and I have smashed the CLI button mant times.


Same here. I currently have 2 Synch accounts, and both have been SP's every time I've hit the luv button. I don't always get an approval but they been SP every time.









Message 7 of 18
Highlighted
New Contributor

Re: Synchrony CLI requests

Since You guys made me feel pretty sure Syncrony would only do a soft pull I decided to go for it.  I just got approved for a CLI from 2200 to 5K on my Amazon Store Card and from 3500 to 5K on my PayPal Credit Account!  And no hard pulls were done- no messages from any credit bureaus about an inquiry.  Thanks guys!

Wells Fargo Cashwise Visa (3K), Chase Amazon Prime Visa (1500), Discover It (18K), Chase Freedom (2.3K), Capital One Quicksilver (6750), Apple Credit Card(6.5K), American Express Blue Cash Preferred (7.5K), Capital One Savor (10K), Costco Anywhere Visa Card by Citi (9K), Citi Double Cash (6K), Wells Fargo Propel AMEX (5K), Amazon Store Card (5K), Exxon-Mobil Card (1200), Citi Best Buy Visa (6K), Shell Fuel Rewards MasterCard (4.2K), Bank Of America Cash Rewards MasterCard (8K), PayPal Credit (5K), Target RedCard (1600), Synchrony BP Visa (5K), Synchrony MasterCard (7K), Fifth Third Bank Trio Mastercard (6.5K)

EQ 742 TU 770 EX 763
Message 8 of 18
Highlighted
Regular Contributor

Re: Synchrony CLI requests

Always soft pulls for me with Synchrony, just got luv with Amazon and PP last week.


@Bandit5160 wrote:

When I ask for a CLI for PayPal Credit and the Amazon Store Card by hitting their online "luv" button, do they do a soft pull or a hard pull?


 

Amazon Prime Card 5000
AMEX Green NSPL
AMEX 1000
AMEX Hilton Honors Ascend 3000
PayPal Credit 4500
BBVA Compass CP 5900
CheapoAir Visa 2500
Care Credit 15000
Discover IT CashBack 13,000
NFCU Cash Rewards 9000
NFCU Platinum 10,000
Cap1 Quicksilver 1100
VS VIP Card 2350
Kohl's Charge 3000
SamsClub 8000
NFCU Auto Loan 22k.
Starting Score 5/2017: 526
Current Score: 704
Goal Score: 780


Take the myFICO Fitness Challenge
Message 9 of 18
Highlighted
Valued Contributor

Re: Synchrony CLI requests

For DPs sake. I asked a CSR about this via chat last night, and he told me if the account is less than 60 days old, it is a HP. If the account is over 60 days it’s a SP



Message 10 of 18
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.