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Synchrony/Sleep Number CLI: $8.5K ➡️ $12K!

LADave
Established Contributor

Synchrony/Sleep Number CLI: $8.5K ➡️ $12K!

It's been just over 4 months since my fiancé and I ordered a Sleep Number bed and got a shiny new credit Sleep Number card with an $8.5 SL. Since I found out recently that Synchrony does give CLIs after 4 months (and maybe less?), it seemed like a good time to ask for a CLI a few days ago.

 

After calling Synchrony about what to include for income for myself and my fiancé, I gave the operator our total combined incomes. Within seconds, our credit limit jumped from $8.5K to $12K. 

 

The card was at about 92% utilization when we opened it, and through making larger-than-required payments and the CLI, we're now at about 57%. (We're on a 3-year 0% interest plan, but having high utilization on one card is far from ideal, so we're trying to pay that down quickly.)

 

Synchrony is somewhat unique in that they use TU VantageScore 4.0 instead of FICO. My fiancé's TU VantageScore 3.0s are about 650. Mine is currently 681, and my TU VantageScore 4.0 is 672. By contast, my TU FICO 8 score is 720. (My VantageScores always seemed to either be higher than or close to my FICO 8 scores until earlier this year, when I went on a spree.)

 

Edit: This is also our first card with a CL above $10K! I'm looking at Visa Infinite cards like Venture X or Altitude Reserve down the road, and having this might help with that goal.

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10 REPLIES 10
M_Smart007
Legendary Contributor

Re: Synchrony/Sleep Number CLI: $8.5K ➡️ $12K!

Congratulations on your CLI 🎉

Message 2 of 11
EAT_SLEEP_JEEP
Valued Contributor

Re: Synchrony/Sleep Number CLI: $8.5K ➡️ $12K!

congrats on the cli

KEEPER EVERYDAY CARDS/ AMEX CHARLES SCHWAB PLATINUM NPSL/ AMEX GOLD NPSL / AMEX GREEN NPSL/ AMEX EVERYDAY PREFERRED $30000 CL/ AMEX BLUE BUSINESS PLUS $5000 SL/ AMEX BLUE CASH EVERYDAY $2K SL/ FIDELITY REWARDS VISA $23500 SL/ NFCU FLAGSHIP $38K CL/ NFCU MORE REWARDS $25K SL /

SOCKDRAWERED FNBO JEEP CARD $7700/ FNBO FORDPASS REWARDS $1000/ WELLS FARGO ACTIVE CASH $8200/ CAPITAL ONE QUICKSILVER $3000 SL/ APPLE CARD $6500/ INVESTEX CREDIT UNION PLATINUM REWARDS $1500/ PAYPAL CREDIT LINE $1700
Message 3 of 11
JoeRockhead
Senior Contributor

Re: Synchrony/Sleep Number CLI: $8.5K ➡️ $12K!

Congratulations on your Synchrony CLI!

Message 4 of 11
FireMedic1
Community Leader
Mega Contributor

Re: Synchrony/Sleep Number CLI: $8.5K ➡️ $12K!

They have a mattress card? Congrats!


Message 5 of 11
CreditMagic7
Super Contributor

Re: Synchrony/Sleep Number CLI: $8.5K ➡️ $12K!

Congratulations on the sleep number Synchrony CLI!

Message 6 of 11
Rdbeetle
Established Contributor

Re: Synchrony/Sleep Number CLI: $8.5K ➡️ $12K!

Congrats on your $3.5K increase!

SchoolsFirst FCU MC $25k
USBank Cash+ $15k
AMEX BCP $10k
FICO 8 Scores: EX 807 I TU 809 I EQ 815
Message 7 of 11
slickwidit
Established Contributor

Re: Synchrony/Sleep Number CLI: $8.5K ➡️ $12K!

Congratulations 🎊🍾🎉🎈 

"Achieving your goal is great and everything.. But The journey is where all the amazing stuff happens" *Slickwidit*
Score goals - 800+ (85 points away)
Message 8 of 11
LADave
Established Contributor

Re: Synchrony/Sleep Number CLI: $8.5K ➡️ $12K!


@FireMedic1 wrote:

They have a mattress card? Congrats!


I found out recently that it's technically a "Synchrony Home" card. It can be used as a store card at maybe 200+ national chains and several local stores that have special financing offers, including other mattress stores. Unbelievably, the Synchrony operator told me that it also works at several gas stations.

 

I'm not planning to make another Sleep Number purchase with it, but I'll probably put a gas purchase on it here and there over time so I can use it to buy furniture at some point! 😂

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CreditAggie
Community Leader
Super Contributor

Re: Synchrony/Sleep Number CLI: $8.5K ➡️ $12K!

Congratulations on your Sleep Number CLI!

Current Cards (in order of approval):

            
Current FICO 8 | 9 (November 2023):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

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