DW has had a $337 limit Lowes card for 9 months now which will not grow. Despite being in the 800's now, all CL requests are denied instantly. Sync has given her every request on her Amazon card to $10k but the Lowes card is not really usable. I am sure it would have gotten some use if it had a larger limit but this card seem to be bucketed.
We also have a Lowe's Business Amex so that makes this card very expendable.
Any ramifications with SyncB in canceling a card? There are no UTI issues as she is <1% on $60k worth of CL's.
Thanks.
@GApeachy wrote:Curious, what is her most recent VS4 score found on any of her Sync accts? Also, what it's listed as "What's affecting your credit score" ?
As far as closing an account, depends on profile but I've closed at least 4 sycn cards within 365 days. Two in one day. 4 months later received my highest sl card, a mastercard.....so it's a ymmv type thing. I'd look more into the VS4 score to determine where she stands with them perhaps.
Her V4 is 765 from October 5th. It must actually be from September as her last derog, a paid $100 CO came off on October 1st. Her FICO 08 rose 80 points and FICO 09 102 points after that CO went away. Her V4 still notes a delinquency so it was pulled prior to 10-1-2020..
She is, as of today clean on TU
FICO 08 = 808
FICO 09 = 832
No, not yet.
@Anonymous wrote:Have you tried calling the Credit Solutions number? Maybe that'll yield a better result. 877-379-8173
I've not heard of any bucketed cards for Lowe's. What did the previous denial letters state as the reason for the denial? If they mentioned the delinquency and it's now clean, I'd give it a month for a buffer and call Credit Solutions and ask for $17,000 or whatever she's comfortable with if she wants to keep the card.
@spiritcraft1 wrote:DW has had a $337 limit Lowes card for 9 months now which will not grow. Despite being in the 800's now, all CL requests are denied instantly. Sync has given her every request on her Amazon card to $10k but the Lowes card is not really usable. I am sure it would have gotten some use if it had a larger limit but this card seem to be bucketed.
We also have a Lowe's Business Amex so that makes this card very expendable.
Any ramifications with SyncB in canceling a card? There are no UTI issues as she is <1% on $60k worth of CL's.
Thanks.
If you cancel a SyncB card you will forever be deemed a Sync Sinner and may be relegated to getting other Sync cards.....at your leisure
Yeah, I certainly don't know if the card is bucketed but starting at that wierd limit seems to be a thing. Also, her Amazon started at $600 and is now $10k and is only 2 months older than the Lowe's.
A larger limit Sams MC or XXX Visa would make more sense or perhaps even a Care Credit MC just in case as far as Sync cards go. Even if it ends up being closed purposely, it would be nice to have it not be listed as $337.00. 
Not that that matters either.
@K-in-Boston wrote:I've not heard of any bucketed cards for Lowe's. What did the previous denial letters state as the reason for the denial? If they mentioned the delinquency and it's now clean, I'd give it a month for a buffer and call Credit Solutions and ask for $17,000 or whatever she's comfortable with if she wants to keep the card.
Not enough experience...