What is going on with Lowe’s/Synchrony

[Anonymous]

I got a Lowe’s card in December and it was only 2k. I tried to increase the limit but they turned me down at activation. About 6 weeks ago I logged on and requested increase to 10k. Immediate increase no HP.

Tonight I wanted to see if I could get more. Asked For 25k approved immediate.

I meant to put in 35k but hit 25 so I hit the back button and put in 35k. Approved.

Mistake? Will the CLI stick?

Thoughts.

[woodyman100]

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@Anonymous wrote:
I got a Lowe’s card in December and it was only 2k. I tried to increase the limit but they turned me down at activation. About 6 weeks ago I logged on and requested increase to 10k. Immediate increase no HP.

Tonight I wanted to see if I could get more. Asked For 25k approved immediate.

I meant to put in 35k but hit 25 so I hit the back button and put in 35k. Approved.

Mistake? Will the CLI stick?

Thoughts.

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Usually anything over 25k requires POI.

The YMMV rule may have gifted you a Unicorn!

Congrats!

[Anonymous]

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@Anonymous wrote:
I got a Lowe’s card in December and it was only 2k. I tried to increase the limit but they turned me down at activation. About 6 weeks ago I logged on and requested increase to 10k. Immediate increase no HP.

Tonight I wanted to see if I could get more. Asked For 25k approved immediate.

I meant to put in 35k but hit 25 so I hit the back button and put in 35k. Approved.

Mistake? Will the CLI stick?

Thoughts.

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Congrats, OP! I am sure the CLI will stick. Synchrony most likely soft-pulled your credit report to increase your credit line. Besides, the Lowes department at Synchrony Bank probably understands that most consumers need a large limit to finance large projects.

[AverageJoesCredit]

I say reject that cli, what gall they have

Hey Woodyman, I believe its anything over 35k that needs POI

[Anonymous]

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@AverageJoesCredit wrote:
I say reject that cli, what gall they have

Hey Woodyman, I believe its anything over 35k that needs POI

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+1

[Anonymous]

Well I am very happy with the 35k. I just have never had 2 CLI within minutes of each other. They must have a max you are eligible for and subsequent CLI requests don’t count.

I tried my amazon account and was denied so I still sit at 6k there.

[AverageJoesCredit]

Yeah, if you had left anything on table you can often hit the button again. Dont worry about Amazon, that's a different beast. A little harder to grow than Lowes.

[K-in-Boston]

My Lowe’s is also $35k. Amazon stuck at $12k. No POI ever needed.

[Loquat]

Congrats on the very generous bump!  Enjoy!

[xaximus]

Congrats on the killer CLI! Pulled a 2k to 10k to 25k to 35k! That’s a 17x increase! *faints*