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weird synchrony CLI ???

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weird synchrony CLI ???

So today i went on mu synchrony account and I was interested in seeing about a CLI  but i wanted to chat with a rep before asking for the increase.  while on the chat the csr informed me that they didnt know if it would be a soft or hard pull. so they then asked me would i like to request a cli i stated no, not at this time because I dont want it to effect my credit report  they said okay no problem and we ended the conversation so I log out. I log back in an hour later because I wanted to verify my APR's and Promo dates and i had a 2000.00 CLI on my account...... how weird is that!!!!!

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Valued Contributor

Re: weird synchrony CLI ???

It's not weird at all.... it's Synch!


Synch is a SP unless you want to go beyond what they offer you in a SP at the time you're requesting it.  You can do it online and the luv button typically used to top out at 10K and if you call CS they can usually go to 25K w/o POI.  If you want higher than that you can push them for it but they'll want paystubs or W-2's for POI.

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Valued Contributor

Re: weird synchrony CLI ???


American Express Business Gold(NPSL 10k) Chase CSP (25k) Pier 1(23.5k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(18k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (10k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(9.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (4.5k✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until Aug 2020

FICO 8 Scores EX 693(7) EQ 687(9)TU 708(10)
AAOA 4yrs TCL=332,600
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Regular Contributor

Re: weird synchrony CLI ???

My first 2 CLIs with synch were similar. I hit the luv button on both walmart and jcpenney and was declined both. Next time I logged in both had a small CLI. Days later I recieved the declined letters. Haha!
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