@Anonymous wrote:
I had the same reaction as LadyAng. Needing time to pay off a $200 balance on a card with a high APR likely suggests to Synchrony that a $12k CL on Lowes puts them at too much risk.
While this certainly makes sense, I'm not sure Synchrony thinks that 'deep'.
Here's the flip side - if someone PIF their account each month, they have no history of being responsible for making a monthly payment, and thus a higher limit (that would likely require monthly payments) could be risky.
My own CLIs with Belk (also Synchrony) didn't happen until I actually carried a small balance; like the OP, it was around $200. I could have easily paid it off at any time, but I chose to pay a few dollars interest each month to show I could dependably make monthly payments.
I still believe the account closures were caused by something more, or perhaps a combination of factors.
Edit: typo
