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Synchrony CLI's pt 2

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Anonymous
Not applicable

Re: Synchrony CLI's pt 2

Wow, congrats!  Breaking 200k.  I'm impressed.

 

And here I am debating whether to break 5k by bumping my $500 limit card to $1k.  If it ain't broke don't fix it I suppose. Smiley Tongue

 

And @AverageJoesCredit at 256k?  Wow.  I remember when your limits were close to mine.  I guess I decided to just loiter at the starting line instead of joining the race.

 

Message 11 of 26
macinjosh
Senior Contributor

Re: Synchrony CLI's pt 2


@Credit4Growth wrote:

@macinjosh wrote:

Well, I asked for CLI's on my eBay MC, Amazon SC, and PayPal Credit.

 

eBay: $6,800 --> $10,000

Amazon: $9,000 --> $10,000

PayPal Credit: $6,800 --> $10,000

 

That's a total of $7,400 in more credit. Brings me to $204,000 in TCL's. I broke the $200k milestone, and on my way $250k. Talk about a wild ride that last 3 years have been.

 

$26,300 in 6 days. Insane!


20200920_143235.gif20200920_143235.gif

 

I will send a Congratulations in a few moments... right now I still can not believe what I read...


I know. I still can't believe it myself. From $0 credit to $204,000 in 35 months. Now to make sure I do something to pay off the just under $21k I owe so I don't lost all my credit again.


Samsung Financing TD Bank $3,200


Message 12 of 26
Jnbmom
Credit Mentor

Re: Synchrony CLI's pt 2

Congrats but keep a close eye , my DH got increases across the board with synch in November and December then end of December closed them all over 100K🙄

 

Mine are intact but I am not gonna ask for any increases , not sure if that triggered it or just a coincidence , but I am not rolling the dice .

EXP 780 EQ 796 TU 810
Message 13 of 26
macinjosh
Senior Contributor

Re: Synchrony CLI's pt 2


@Anonymous wrote:

Wow, congrats!  Breaking 200k.  I'm impressed.

 

And here I am debating whether to break 5k by bumping my $500 limit card to $1k.  If it ain't broke don't fix it I suppose. Smiley Tongue


For me, having this much credit isn't because I want to spend that much and run up that much debt. In fact, spending that much isn't even a temptation at this point. It's seeing how far I can go, what my ceiling is.

Back in 2009, I lost $60k in credit because I couldn't afford to pay my bills because the economy went under. Part of it was because I was owed almost $10k by someone else, and they never paid me back. The other part was my uncontrollable spending. Then work stopped, and everything crumbled.


Samsung Financing TD Bank $3,200


Message 14 of 26
macinjosh
Senior Contributor

Re: Synchrony CLI's pt 2


@Jnbmom wrote:

Congrats but keep a close eye , my DH got increases across the board with synch in November and December then end of December closed them all over 100K🙄

 

Mine are intact but I am not gonna ask for any increases , not sure if that triggered it or just a coincidence , but I am not rolling the dice .


My cap is $40k because I have 4 Sync accounts. I don't see me going after any other Sync cards for the time being. My next targets are Amex, BofA, and Chase, so gardening is essential now.


Samsung Financing TD Bank $3,200


Message 15 of 26
Anonymous
Not applicable

Re: Synchrony CLI's pt 2


@macinjosh wrote:

@Anonymous wrote:

Wow, congrats!  Breaking 200k.  I'm impressed.

 

And here I am debating whether to break 5k by bumping my $500 limit card to $1k.  If it ain't broke don't fix it I suppose. Smiley Tongue


For me, having this much credit isn't because I want to spend that much and run up that much debt. In fact, spending that much isn't even a temptation at this point. It's seeing how far I can go, what my ceiling is.


I don't trust myself to control my spending so I keep my limits low on purpose.  Plus, why have it if I can't use it?

 

The upside is I PIF every month and haven't paid a dime in CC interest in years.  I use my cards for everything I can so I can earn cash back.  So my approach does work, for me anyway.  I just have to watch from the sidelines as people's TCLs break 100k, 200k, and higher.

 

Message 16 of 26
macinjosh
Senior Contributor

Re: Synchrony CLI's pt 2


@Anonymous wrote:

@macinjosh wrote:

@Anonymous wrote:

Wow, congrats!  Breaking 200k.  I'm impressed.

 

And here I am debating whether to break 5k by bumping my $500 limit card to $1k.  If it ain't broke don't fix it I suppose. Smiley Tongue


For me, having this much credit isn't because I want to spend that much and run up that much debt. In fact, spending that much isn't even a temptation at this point. It's seeing how far I can go, what my ceiling is.


I don't trust myself to control my spending so I keep my limits low on purpose.  Plus, why have it if I can't use it?

 

The upside is I PIF every month and haven't paid a dime in CC interest in years.  I use my cards for everything I can so I can earn cash back.  So my approach does work, for me anyway.  I just have to watch from the sidelines as people's TCLs break 100k, 200k, and higher.

 


I don't trust myself either, but I'm learning a hard lesson because I'm an impulse buyer. Always have been. But I'm learning, and have now stopped the impulse spend.


Samsung Financing TD Bank $3,200


Message 17 of 26
Adkins
Legendary Contributor

Re: Synchrony CLI's pt 2

Congratulations, @macinjosh


Last HP 08-07-2023



Message 18 of 26
CreditAggie
Community Leader
Super Contributor

Re: Synchrony CLI's pt 2

Congratulations on your Synchrony CLIs!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (August 2026):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 19 of 26
gdale6
Moderator Emeritus

Re: Synchrony CLI's pt 2

Not bad, grats on them all though I would stop and let all this age for awhile Smiley Happy

Message 20 of 26
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