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Synchrony finally stopped hating me!! Lol

Talonwildstar
Regular Contributor

Synchrony finally stopped hating me!! Lol

I have had an Amazon Prime card for 1 yr w/ $200.00 limit tried 4 times for a credit limit increase with a no everytime, yesterday was my 1 yr anniversary I logged into the account today tried for and increase and to my utter surprise I got Approved and the limit raised to $700.00
14 months ago I was -78 credit score I have a picture to prove it!! Now I have a total of 18,300 CL with CC’s and a 5,000 personal loan I only owe 3400 on now! Good times it is!

AmEx BCE 20k
BBVA visa 10k
Synchrony 2% MC 9.3k
LLBean Citi MC 6k
PNC points signature visa 15k
CapOne QS1. 1.65k
Citi DC. 4.375k
Discover it. 3.55k
Am Ex Gold
Kohl’s. $3k
Amazon Store. 10k
Overstock. 13.6k
Boscovs. 14k
Best Buy S.C. 2.8k
Home Depot 2k
Total CL. 132,500k
 
PNC personal loan 7500 down to 6200
 
oldest credit 3yr 2 months , newest 1/2020!
* 3% card utilization 





As of 11/1/18




As of 11/1/19
img src="https://img.shields.io/badge/Experian-[759 INQ(8)]-blue.svg">


As of 11/1/20
Message 1 of 14
13 REPLIES 13
rbentley
Established Contributor

Re: Synchrony finally stopped hating me!! Lol


@Talonwildstar wrote:
I have had an Amazon Prime card for 1 yr w/ $200.00 limit tried 4 times for a credit limit increase with a no everytime, yesterday was my 1 yr anniversary I logged into the account today tried for and increase and to my utter surprise I got Approved and the limit raised to $700.00
14 months ago I was -78 credit score I have a picture to prove it!! Now I have a total of 18,300 CL with CC’s and a 5,000 personal loan I only owe 3400 on now! Good times it is!

Congratulations on the CLI.  Hopefully it will continue to grow.

 

As an aside, while I don't doubt you have a screen shot of an alleged -78 credit score, that is not possible.  At least if we are talking FICO scores.  It is possible to have no score (which is different than a zero score), but if your credit history is at all measurable, the lowest possible score is 300.

Message 2 of 14
Talonwildstar
Regular Contributor

Re: Synchrony finally stopped hating me!! Lol

Is there anyway to post a picture in here? I took a screen shot of it Sept 28th, because I was shocked to see -78 ... the picture starts at -73 though but the official report said -78

But I would love to post the picture for others to see it’s possibld lmao!!

AmEx BCE 20k
BBVA visa 10k
Synchrony 2% MC 9.3k
LLBean Citi MC 6k
PNC points signature visa 15k
CapOne QS1. 1.65k
Citi DC. 4.375k
Discover it. 3.55k
Am Ex Gold
Kohl’s. $3k
Amazon Store. 10k
Overstock. 13.6k
Boscovs. 14k
Best Buy S.C. 2.8k
Home Depot 2k
Total CL. 132,500k
 
PNC personal loan 7500 down to 6200
 
oldest credit 3yr 2 months , newest 1/2020!
* 3% card utilization 





As of 11/1/18




As of 11/1/19
img src="https://img.shields.io/badge/Experian-[759 INQ(8)]-blue.svg">


As of 11/1/20
Message 3 of 14
conejochapin
Regular Contributor

Re: Synchrony finally stopped hating me!! Lol

Congrats on the CLI









Message 4 of 14
Medic981
Valued Contributor

Re: Synchrony finally stopped hating me!! Lol



Congrats ! ! !

















Your FICO credit scores are not just numbers, it’s a skill.

Message 5 of 14
Talonwildstar
Regular Contributor

Re: Synchrony finally stopped hating me!! Lol

Ty very much!

AmEx BCE 20k
BBVA visa 10k
Synchrony 2% MC 9.3k
LLBean Citi MC 6k
PNC points signature visa 15k
CapOne QS1. 1.65k
Citi DC. 4.375k
Discover it. 3.55k
Am Ex Gold
Kohl’s. $3k
Amazon Store. 10k
Overstock. 13.6k
Boscovs. 14k
Best Buy S.C. 2.8k
Home Depot 2k
Total CL. 132,500k
 
PNC personal loan 7500 down to 6200
 
oldest credit 3yr 2 months , newest 1/2020!
* 3% card utilization 





As of 11/1/18




As of 11/1/19
img src="https://img.shields.io/badge/Experian-[759 INQ(8)]-blue.svg">


As of 11/1/20
Message 6 of 14
Talonwildstar
Regular Contributor

Re: Synchrony finally stopped hating me!! Lol

Ty very much! I appreciate that!

AmEx BCE 20k
BBVA visa 10k
Synchrony 2% MC 9.3k
LLBean Citi MC 6k
PNC points signature visa 15k
CapOne QS1. 1.65k
Citi DC. 4.375k
Discover it. 3.55k
Am Ex Gold
Kohl’s. $3k
Amazon Store. 10k
Overstock. 13.6k
Boscovs. 14k
Best Buy S.C. 2.8k
Home Depot 2k
Total CL. 132,500k
 
PNC personal loan 7500 down to 6200
 
oldest credit 3yr 2 months , newest 1/2020!
* 3% card utilization 





As of 11/1/18




As of 11/1/19
img src="https://img.shields.io/badge/Experian-[759 INQ(8)]-blue.svg">


As of 11/1/20
Message 7 of 14
xaximus
Valued Contributor

Re: Synchrony finally stopped hating me!! Lol

Congrats on the CLI and on your journey! Keep it up!


Scores - All bureaus 756 +
TCL - Est. $275K
Message 8 of 14
Talonwildstar
Regular Contributor

Re: Synchrony finally stopped hating me!! Lol

Thank you !

AmEx BCE 20k
BBVA visa 10k
Synchrony 2% MC 9.3k
LLBean Citi MC 6k
PNC points signature visa 15k
CapOne QS1. 1.65k
Citi DC. 4.375k
Discover it. 3.55k
Am Ex Gold
Kohl’s. $3k
Amazon Store. 10k
Overstock. 13.6k
Boscovs. 14k
Best Buy S.C. 2.8k
Home Depot 2k
Total CL. 132,500k
 
PNC personal loan 7500 down to 6200
 
oldest credit 3yr 2 months , newest 1/2020!
* 3% card utilization 





As of 11/1/18




As of 11/1/19
img src="https://img.shields.io/badge/Experian-[759 INQ(8)]-blue.svg">


As of 11/1/20
Message 9 of 14
19eighty5
Senior Contributor

Re: Synchrony finally stopped hating me!! Lol

Congratulations on your CLI!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 10 of 14
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