35k. Synch seems to rely heavily on credit score to get the big limits. What is your TU FICO 8?
@Anonymous wrote:
How long it take ya to get to 25k?
Just to add another data point... Approved in November for (I think it was) $4500. Called Credit Solutions immediately after applying (really, it was less than 5 minutes later) and asked for $25,000. Counter-offer was $17,000 (I had just moved my Amazon Prime Store Card with them up from $4500 to $12,000 the month before - that may have had something to do with it). Fast-forward to this month, and at the 5 month mark I hit the CLI button on the website and asked for $25k - immediately approved. All of this after 6 yearly HPs from CBNA who would never raise my Home Depot card above $1250 when used and paid heavily.
@Anonymous wrote:
K-in-Boston.....thanks for the DP's on this. May I ask what your scores were at the time of approval? I'm in Illinois so I believe they pull TU and EX....I'm just under 700 on both and have 20+ inq on both.
Synchrony pulled TU for me on the app (I am in MA). Just pulled up the history on CCT... At the time, my TU 08 score would have been around 723 with 5 INQ (2 in previous 6 months), AAoA about 9 years, oldest 23 years, overall util around 30%. Other than a lot of new accounts added the past 2 years and a lot of debt, I have a strong, very thick profile and a healthy income that usually overcomes those challenges - so I'm not sure if I am a great data point here. However, I have seen a number of $17k-$25k Lowe's lines for others that are comparable or a little lower on scores than you - granted we're not all that far apart, but 700, 720, and 740 seem to be quite different with many lenders.
@Anonymous wrote:
I don't have a Lowes card...don't need one unless I can get a high SL for util
I would not app one if I were you. Garden and let your current CL's grow. Too many store cards is bad. You are apping cards just to app and pad your UTIL. This is a bad sign. Pay your bills down and let your scores recover. Then app for a card you can actually use, a major card.
@Anonymous wrote:
@MyLoFICO wrote:35k. Synch seems to rely heavily on credit score to get the big limits. What is your TU FICO 8?
688
That won't support a big limit. I am guessing you might be able to recon to 6k, that's if you don't get declined.