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I tried for a CLI about two weeks ago (March 24), but got denied even though I called Synchrony's Credit Solutions. As I've discussed elsewhere, I suspect, notwithstanding the reasons stated in the denial letter (a couple of which I think to be rather nonsensical under the circumstances) that I was turned down because my actual TU FICO was too low - 627, which is a whopping 49 points lower than the VS figure - and because of my recent mini-spree over the preceding month. Also, I think I may have erred in asking for too much of a CLI; I was advised to ask for $10k, but trimmed it down to $6k; I have no way to tell, and perhaps I might have been declined anyway, but if I'd asked for a more modest CLI - say, $1200 to bring my line up to an even $2k - I might have had better luck.
I also determined that for some reason, TU is not including (at least not yet) my Penfed car loan or my Discover It card, which may explain why that score is at least 30 points lower than either EQ (659) or EX (662). However the case, I'm going to give it a few months to build up again and then revisit the question of asking for a CLI again, this time for a much smaller amount (aiming for a total comparable to my Discover or Cap 1 unsecured).
Syncrony likes me...Have 5 lines with them. Walmart card has gone from 1500 to 6k in a short time, all luv button CLI
@Anonymous wrote:
Meatman, when did you first try the LUV button? Did you wait for a couple statements or did you ask for CLI when you got the card? I just got in with Synchrony, approved for 3 cards last week starting with a pre-qualification letter from Walmart. I haven't gotten any of the cards yet, but I am able to sign in with Paypals Extra Mastercard and Amazon Prime accounts and I don't have the LUV button option yet. Maybe it will appear after I get the cards and activate them?
I do not remember when I did my 1st one but had to get the card (walmart) to open up the online account. I was approved for it Feb 1....probably got the online account going two weeks later.....SO, guessing, since the middle of Feb till now from 1500 to 6 k....I used the luv button probably 4 times...hope that helps.