Synchrony Sam's Club WEMC CLI

[Jordan23ww]

After reading so many posts about Synchrony's CLI's I wasn't sure exactly when I'd be eligible. Some posts state at 4 months, others at 6 months and some after the 4th statement cuts. After also reading that the Sam's Club card has been capped at $10K for people when they asked online I decided against asking in the app or online. I called Synchrony's Credit Solutions today at 1-877-379-8173 to inquire about when I would be eligible to receive a limit increase. After speaking with the rep and verifying some info they said I am currently eligible would I like to submit a request. After confiriming it would be a soft pull with the rep I proceeded. 

The rep asked for my gross income instead of net. I remember when I applied for the card they specifically wanted net income. I asked for my  limit to be increased from $8000 to my desired goal amount of $25,000. The rep said that I had been partially approved for a new limit of $16,000, which I gladly accepted.

I opened the card on July 11, which was 113 days ago. Account will be 4 months old in 10 more days on 11/11. I have received 4 statements. I have been PIF each month. Usually spend on the card each month has been $200 to $300 with exception of July when I spent an additional $980 on tires. My current Transunion Fico 8 score is 770, but the score they provide me on the Sam's Club app is a Vantage Score 4.0 and it is 829 out of 850. Not sure which score they used today. It was indeed a soft pull today also.  I am 1/6, 4/12, and 4/24 currently on new accounts and I have 2 inquiries on Transunion (one from July 11 with Synchrony and one that will drop off next week by Goldman Sachs from my Apple Card application in November 2020).   

[sto0pyd]

Congrats! Is CS still the preferred route to ask for a CLI? I was under the impression that they now use the same model whether you ask online or speak to CS.

I've had my card for a little less than a year. My card started with a limit of $2,500, and I think that it was started so low was due to my Experian being frozen. I was also given the highest APR on the card. They tried pulling Experian first, then they pulled Transunion. I was surprised I got approved since they'll usually deny an application if they are not able to pull a report from any of the bureaus. I assumed that my limit was as low as it was due to the frozen report. I got a CLI after 5 months and it bumped it up to $5k. I've been trying every month to get another CLI and have failed.

I have other Synchrony issued cards with higher limits (Venmo @ $20k with the lowest APR, and Paypal @ $20k which also has their lowest APR).

[CYBERSAM]

Congrats on your Sam's Club WEMC CLI 🤑👍

[Pway]

Congrats

[KingRue8500]

Congrats on your Sam's Club WEMC CLI

[cashorcharge]

WooHoo!! Congratulations on your SYNC Approval!!👏🏼🍾🥂

[CreditAggie]

Congratulations on your Sam's Club CLI!

[Jordan23ww]

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@CYBERSAM wrote:

Congrats on your Sam's Club WEMC CLI 🤑👍

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@CYBERSAM  Thank you! 

[Jordan23ww]

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@Pway wrote:

Congrats

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@Pway  Thank you!

[Jordan23ww]

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@KingRue8500 wrote:

Congrats on your Sam's Club WEMC CLI

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@KingRue8500  Thank you!