Walmart CLI

[Anonymous]

I opened my Walmart card in November last year.  Through chat, I have gotten increases every month since February this year.  First was a $700 CLI to $1200. March was a $2,300 CLI to $3,500.  Just about 30 minutes ago, I got a $2,500 CLI for a grand total of 6K in available credit.

My reported balances have been all the way up to 86% util (that was when I got the first CLI) but lately they have been 10% or under.  I do let a balance report on this card monthly, but pay multiple times a month if needed to manage the util reported.  Today's CLI was with a reported 8% util after the last statement cut.

As always, synchrony can be a YMMV thing but I think it is also knowing the right questions to ask the agent.  They will always push you to use the online tool, but I always ask them to put it through for me.  To date I have had ZERO success with the luv button (tried several times), but 100% success through chat.

[8in2years]

Congrats!

[uswala]

Congrats on the CLI!

[Anonymous]

Rattler, what do you say to the chat agent?  DH has had his card since November and no luck with the luv button.  I would like to try chat for him.  Thanks!

edited to add:  Just tried it (haven't tried since mid March) and got this again:  We apologize for the inconvenience, but we cannot process a credit limit increase online for this account.

[Anonymous]

That happen to me , cli button not work for me , i ask for chat. 

[Anonymous]

@Anonymous wrote:

Rattler, what do you say to the chat agent?  DH has had his card since November and no luck with the luv button.  I would like to try chat for him.  Thanks!

edited to add:  Just tried it (haven't tried since mid March) and got this again:  We apologize for the inconvenience, but we cannot process a credit limit increase online for this account.

---

I let them know that I would like to make more use of the card and then I shoot high for the new CL I would like.  Their counter offer is usally pretty decent.  I do check my dates from the last request so there is at least a month in between.  Also, like I said above, I request they do it for me instead of letting them lead me to the online account option.

Do you use the card regularly mims?

Edited to Add - I also have an authorized user on my account who makes use of the card and pays it off just as I do, so maybe that helps with them seeing that I have 2 people sharing one CL and we manage it well.  I could be totally off in this assumption, but who knows?!?

[Anonymous]

I just tried via chat and he read this print to me about accounts are reviewed peridoically, etc etc...so should I try another chat?

[Anonymous]

Well I went through chat.  They tried to push me to the button but I asked them to review it.  I said I don't have luck hitting buttons.  I told them I would be more prone to use the card if my limit were higher because I monitor my utiization and scores.  Old limit $1,200;  New limit is $3,500.  I asked for $5k and they met me in the middle.  In a few months, I will try it again.

[Anonymous]

---

@Anonymous wrote:

I just tried via chat and he read this print to me about accounts are reviewed peridoically, etc etc...so should I try another chat?

---

I tried chat again, got it up from $1,100 to $3,500. I just received the card yesterday. Thanks!

[gdale6]

---

@xangoboy wrote:
Thanks for responding everyone. Seems like 4 months is the magic number. I got a pre approval in the mail about 2 weeks ago. They've actually been hounding my for months and I put it off, because I wanted CareCredit instead. But I got declined for Care Credit last month, so figure to get my foot in the door with Sync, that I would apply for the Walmart Card.

I got instantly approved for $600, but called and got it raised to $4,000 (asked for $20k). Not bad, I go to Walmart every week and put Gas at Sam's Club frequently. So hopefully in 4 months I can grow the CL.

---

Grats on your CLI