Exceed the exposure limit letter with SYNCB!!!

[Ron1]

Here is the letter when your total limit goes over the exposure limit  ($10K) with SYNCB.:

I already closed a couple of accounts yesterday. I think I should be fine. I might close some more account within next couple of letters.

Ron.

[ddemari]

Thanks for posting Ron. I always have a sad feeling when I ever i open a letter from Synch signed, "Credit Manager" lol. 

Upon manual review, synch can choose to open the limit on your accounts? but this sounds like somethign we would rather avoid? 

[Ron1]

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@ddemari wrote:

Thanks for posting Ron. I always have a sad feeling when I ever i open a letter from Synch signed, "Credit Manager" lol. 

Upon manual review, synch can choose to open the limit on your accounts? but this sounds like somethign we would rather avoid? 

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You're welcome. You might get a letter if you don't do anything.  I just added up all my accounts. Now I have $96K. I should be fine if I don't ask for any more CLI or applying for any new cards.

Ron.

[ddemari]

im slowly closing out some cards, I chopped; Old navy store card, banana republic store card that got me 16k back open.

i have banana and ON Visa's, so rather just keep those. 

Im going to lower the CL on Sams, Gap and Lowes too

I want to keep my focus on BR Visa, ON Visa, WalMart MC, Ebates Visa, Ebay MC, and Gap

Probably get ride of BP or Chevron down the road too. 

[Anonymous]

Thanks for sharing Ron.

[Anonymous]

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@ddemari wrote:

im slowly closing out some cards, I chopped; Old navy store card, banana republic store card that got me 16k back open.

i have banana and ON Visa's, so rather just keep those. 

Im going to lower the CL on Sams, Gap and Lowes too

I want to keep my focus on BR Visa, ON Visa, WalMart MC, Ebates Visa, Ebay MC, and Gap

Probably get ride of BP or Chevron down the road too. 

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I don't shop at any of the Gap, Inc. stores, but it does seem a little odd that they have so many cards.

[Ron1]

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@ddemari wrote:

im slowly closing out some cards, I chopped; Old navy store card, banana republic store card that got me 16k back open.

i have banana and ON Visa's, so rather just keep those. 

Im going to lower the CL on Sams, Gap and Lowes too

I want to keep my focus on BR Visa, ON Visa, WalMart MC, Ebates Visa, Ebay MC, and Gap

Probably get ride of BP or Chevron down the road too. 

---

I will keep banana republic visa and might close ON Card, Gap Card, QVC, and Bjorns Card.  I will keep Tjmaxx MC, Ebates Visa, Toy R' US MC, AE Visa, Chevron Visa, Walmart MC , Sams MC, Belk and Lowes.  I haven't decided to close Amazon or not. Carecredit is going to keep for my cat's visits.

Ron.

[Ron1]

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@beautifulblaquepearl wrote:
Thanks for sharing Ron.

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You're welcome.

Ron.

[lindsaydruart]

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@Anonymous wrote:

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@ddemari wrote:

im slowly closing out some cards, I chopped; Old navy store card, banana republic store card that got me 16k back open.

i have banana and ON Visa's, so rather just keep those. 

Im going to lower the CL on Sams, Gap and Lowes too

I want to keep my focus on BR Visa, ON Visa, WalMart MC, Ebates Visa, Ebay MC, and Gap

Probably get ride of BP or Chevron down the road too. 

---

I don't shop at any of the Gap, Inc. stores, but it does seem a little odd that they have so many cards.

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Years ago, each store had their own rewards system. Then they opened up using all the cards at all brands while each still had different systems. Now, all the cards have the exact same rewards. If you shop at OldNavy and Gap but want higher limits, app for the Athleta and the BR card. The SL are higher because of the cost of merchandise but you can use it at the cheaper store and still get the 5% rewards.

[injustifiiable]

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@ddemari wrote:

im slowly closing out some cards, I chopped; Old navy store card, banana republic store card that got me 16k back open.

i have banana and ON Visa's, so rather just keep those. 

Im going to lower the CL on Sams, Gap and Lowes too

I want to keep my focus on BR Visa, ON Visa, WalMart MC, Ebates Visa, Ebay MC, and Gap

Probably get ride of BP or Chevron down the road too. 

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I'm hoping for upgrades on my 3 Gap Inc cards but I might bite the bullet and re-apply now that my TU FICO is higher and could possibly get Visa versions..I really only want BR Visa and Gap Visa...