@Anonymous wrote:Awesome score!
Thanks, Musiclover!
I'm sharing to demonstrate the impact of a single baddie (even an old one), and to help explain why the letter I got is "interesting" to me.
I added four new accounts in May, though, so once those start reporting I'm sure all three scores will take a hit, at least for a few months. 
@Anonymous wrote:I have gotten similar denial letters from Synchrony for my last few attempts at a CLI on my Amazon card. I have no baddies, utli is very low, INQs ranged between 2-3, and my TU score was always over 750 each try (this is with using the love button). I've pretty much determined I'll be stuck at 5k on that card forever
+1
I've also only used the button in the past. When I got my last CLI to $10k using the button, someone suggested that any further increases would likely take a call to CS... and it's looking like they were correct.
That's OK, though, a one-time phone call won't be that painful... LOL. 
(First world problems, right?)
@Anonymous wrote:I think it's a generic letter sent out to all when they don't want to give you a cli. I get the same thing. Cannot figure them out.
I agree that it's likely a generic letter, but it's notable (to me) that it's different from the letters I've received in the past. Up until now, the letter has always simply stated, "... not enough experience at current credit line" or something similar. This was more like a true 'AA' letter.
It could be nothing... I'm just putting it out there so folks can know things may be changing. 
@Anonymous wrote:This is really interesting to me. Here is a comparison for you.
I was just approved for a Synchrony account to buy an embroidery machine. My TU score was around 745 (now at 758). I have 8 INQ since August, my Chase account util. is at 50%. I don't have any delinquencies. My AAoA is under 2 yrs. One mortgage loan that was opened in August, no other installment loans.
I was originally approved for $6.5k and changed my mind on the machine I wanted so I called the next day. I was increased to $10k via the automated system. It is 0% interest for 60 mo.
Thanks for the data point!
Here's a possibility... could it be that $10k is the maximum they will give anybody without a call to CS? My own last CLI on Lowe's raised my limit to $10k, in my case using the online "button" and never speaking to anybody.
If that is the case, it's not completely unreasonable. The letter they sent out didn't indicate that was the problem, though. (Although another possibility is that using my old score (with the baddie) that $10k was the maximum they would be willing to go.)
@Anonymous wrote:I have only ever gotten the "not enough experience with current cl" letter. However, when I did call CS to get my Walmart card bumped up, as I asked for a certain amt and they countered, they did send me an "AA/denial-like" letter with credit score and everything.
I wonder if it has to do with amt asked for or current amt of CL or something.
Great data point... thanks for sharing!
I think this could be the key... in my own case using the old credit score, it could be that a credit line of $10k is all they could do - thus the more detailed letter. In the past the letter was more 'general' since the reason for the denial was simply that they wanted to see more experience (basically it wasn't my credit score holding me back, it was them).
I think we're on to something here!
Yes, same here on new accts. Got my Lowe's card for 25k. But my other Sync accts sit at their present limit now for over 6 months. And they do give those same excuses. 
UncleB,
Thanks for the info.
The Lowes card is next on my list. I want it for when I buy a house next year. I want to get a nice CL and take advantage of their 0% financing.
But I wait. I still have one baddie on my report. It is on EQ which I doubt CS will look at but I am not taking any chances. My scores are all in the 700s but that baddie is preying on my mind. In one month it should be off and then I will app for the card.
All of these data points are helpful.
@Grafton88 wrote:UncleB,
Thanks for the info.
The Lowes card is next on my list. I want it for when I buy a house next year. I want to get a nice CL and take advantage of their 0% financing.
But I wait. I still have one baddie on my report. It is on EQ which I doubt CS will look at but I am not taking any chances. My scores are all in the 700s but that baddie is preying on my mind. In one month it should be off and then I will app for the card.
All of these data points are helpful.
You're very welcome!
While none of us can say for certain, my 'baddie' never came up until I tried to use the "button" to get my credit line over $10k. It's also possible CS might have overlooked it as well. I'll also add that my Lowe's was approved years ago when my credit was less than stellar (my BK was still reporting) so don't let a baddie keep you away.
Of course if you're looking at a mortgage you'll probably want to wait in any case. When the time comes Lowe's will still be there, and will most likely welcome you with open arms!