Synchrony CLI requests - Approved

[Bandit5160]

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?

[soxfaininfl]

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.

[Anonymous]

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.

[M_Smart007]

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@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?

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

[Anonymous]

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.

[Anonymous]

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@M_Smart007 wrote:

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

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Ditto. 

[soxfaininfl]

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@M_Smart007 wrote:

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@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?

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

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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.

[Bandit5160]

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!

[Anonymous]

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

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@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?

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[Anonymous]

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