Dear Ol' Synchrony, why you do me wrong... AA!!

[Anonymous]

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@UncleB wrote:

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@CreditMagic7 wrote:

It's his decision to make of course but if i was to make a wager i would say (according to his first post) that he would as soon jettison it now and chalk it up to "unintended consequences" (per whatever reason codes come in the mail) rather then try to battle over this particular card later in an attempt to rescue/restore it back again to it's previous $2.5K.

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+1

I would just add that Synchrony cards can rebound very quickly. 

My Lowe's is 12 years old; when I had problems with other lenders back around 2008 (but never late with them) they balance-chased me from $1700 all the way to $470.  Fast-forward to today, my credit limit is $10k - and that's without me ever even calling Credit Solutions. 

I'm actually quite glad I didn't close the card out of anger (or irritation) back then. 

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+1.  Same thing happened to me with my same club mc and PayPal sc.  Both lowered down to very low limits last yea . But I have them both back up to 3500 and 4000

[CreditMagic7]

No suggestions that it can't be done. It does happen thankfully.

Those results are proof positive that it is possible to regain them again.

I'm just drawing from OP posting his valid concern on not wanting the AA reduced limit ($250) to remain like that.

Who could blame him on that. He has other (one might add better) Synchrony Cards in perfectly good standing and not so sure that one particular card (BP Visa) is worth it to him to maybe draw additional attention to his other cards at this time or not. 

[icyhot]

I think I'd die if I had $40,000 in CC debt, no matter how much I made. The $4800 (Amazon and 0% Spark) is enough

[Anonymous]

well if you made $250k that's nothing and can be paid in a few months if you are living within your means completely (although it's common to spend what you make in general)

[score_building]

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@pip3man wrote:

Thank you all for the feedback, I really appreciate. Honestly I don't think it's inactivity cos I have a Sony card from them I haven't used since 2014 and it's still open. I'm leaning towards utilization as the factor. But utilization is not the craziest in comparison to my income. Besides my Prestige and Sallie Mae card, none of the balances is costing me a dime in interest. My Lowes, Amazon, BestBuy, Discover and Venture One have balances on 0% APR so I don't think it's necessary to pay them off "just because" if u know what I mean. Oh well I guess it is what it is. I'm gonna continue paying the accounts off gradually as the APR expires or comes close to expiration. I'm not tryna please no bank or dance to their tune so they can do what they want. No hard feelings

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If not at the lowest available, IIRC currently at 9.99 (perhaps now 10.24?) on SM, may as well request an APRD, so too for Prestige.

[Officer737]

Just my observation, and I could be wrong,  but it looks like they are quicker to lower limits on their VISA/MC badged cards than they are to lower the store card versions. 

[pip3man]

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@score_building wrote:

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@pip3man wrote:

Thank you all for the feedback, I really appreciate. Honestly I don't think it's inactivity cos I have a Sony card from them I haven't used since 2014 and it's still open. I'm leaning towards utilization as the factor. But utilization is not the craziest in comparison to my income. Besides my Prestige and Sallie Mae card, none of the balances is costing me a dime in interest. My Lowes, Amazon, BestBuy, Discover and Venture One have balances on 0% APR so I don't think it's necessary to pay them off "just because" if u know what I mean. Oh well I guess it is what it is. I'm gonna continue paying the accounts off gradually as the APR expires or comes close to expiration. I'm not tryna please no bank or dance to their tune so they can do what they want. No hard feelings

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If not at the lowest available, IIRC currently at 9.99 (perhaps now 10.24?) on SM, may as well request an APRD, so too for Prestige.

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Hey score I did get my APR on the Prestige reduced earlier this month. It's currently at 13.49%.... I think u might be referring to my AA Plat now turned Double Cash card which was once at 10.24% following the rate hike and currently at 5.24%. As for SM, I got a reduction back in mid 2015 and haven't been able to score another one since then. I'll see if I can try again...