Large CLD from Sync

[TryItAgain]

This has happened twice over the last few years on a Synchrony HSN card Ive had for a long time I rarely ever use.  Each time I put a small $20 purchase on it and the very day after the purchase the original CL was restored automaticaly, might work for you.

[imaximous]

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@Anonymous wrote:

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@FinStar wrote:

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So, what do you plan on doing with the card? Leave the limit as is or get it restored?

I'm surprised it lasted this long without closure! One of mine got a CLD (during 2020) and then eventually closed for inactivity. For sure I was thinking you'd be using your Rakuten CC a bit more.

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As I am not collecting MRs with it, it's just cashback, and I put all my 3% stuff on USAlliance.   When (or if) that ends, I guess I would use this more if Rakuten offers the best discounts (for me it usually doesn't).

I am also looking at my Paypal which hasn't been getting much use since they added the FTF.   Probably worth preserving (I have a $25K limit) so I might put some more spend on that.

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Good reminder to use my PPMC. It's been a while since I put any spend on it, and SYNCB just closed my old PPC account. I had no need for PPC anymore, but it was nice to have an 8yr+ account reporting. 

My PPMC also has a $25k limit, so it's worth keeping.

[jetsfan2013]

Is Sync the most sensitive issuer who does CLDs for non activity?

[FinStar]

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@jetsfan2013 wrote:

Is Sync the most sensitive issuer who does CLDs for non activity?

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Nope. There's plent others like HSBC, 5/3, WF Retail, etc.

Of noteworthy, if you read their op, they hadn't used that particular card since 2020. So, in this particular instance, that's a fairly 'generous' timeframe for going inactive before SYNCB's internal systems executed the CLD. A variety of lenders have been known to CLD (or close the account) within a 1-2 year timeframe. Some may warn you, others will not.  So, if you 'value' the tradeline better keep it active to avoid a CLD or potential closure.

[AverageJoesCredit]

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@jetsfan2013 wrote:

Is Sync the most sensitive issuer who does CLDs for non activity?

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No....

[SUPERSQUID]

[AverageJoesCredit]

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@SUPERSQUID wrote:

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NOW you have it😆