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Rooms To Go/Synchrony Account

jazzyvar84
Regular Contributor

Rooms To Go/Synchrony Account

Good Morning All,

 

I was approved for a Rooms To Go Furniture card this morning; however, they only approved me for $1,000 dollars. Is it difficult to receive credit line increases with them? I have some medical issues going on, and new furniture would definitely help me; I am miserable! Secondly, I was sure that Synchrony only pulled Transunion, but they pulled my Experian account; is this normal???



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10 REPLIES 10
FireMedic1
Super Contributor

Re: Rooms To Go/Synchrony Account

Sync is pretty good at giving generous CLI's. Many will pop in and tell you. Pulls from some banks depends on where you live. They pulled TU for my PP MC in Fl. Some may have had another CRA used to determine their decision. Either way. Congrats you got approved!






Homeowner since Sept 2020. My posts are JMHO. My siggy is not to brag. Just sharing my experiences after BK from learning here from rebuild to recovery @ 540's.
Message 2 of 11
Janus
Senior Contributor

Re: Rooms To Go/Synchrony Account

Granted it's a BIZ card, the Lowe's Pro. But I've only had it about 3 months with only one charge of $250 put on it. My SL was $2K, asked the other day for an increase to $5K. It was approved.  SYNCH in general though is fairly easy to work with. So barring anything serious on your CR, I think they would increase it if you put in a call an explained the issue.






Message 3 of 11
soxfaininfl
Frequent Contributor

Re: Rooms To Go/Synchrony Account

I started out with a 2,500 limit. I made one payment and asked for a CLI right before my 2nd payment. I requested a 25k increase just to see what they would offer me, and a received a 5k increase to bring my limit to 7,500.








Message 4 of 11
jazzyvar84
Regular Contributor

Re: Rooms To Go/Synchrony Account

Was there anything negative on your report? I have one item in collections. No late payment history.


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Message 5 of 11
soxfaininfl
Frequent Contributor

Re: Rooms To Go/Synchrony Account

I have a BK7 discharge from 4/2017 and 11 derogatory’s on each CR from the BK. It’s a soft pull, so you don’t have to worry about a hard pull if you get declined.








Message 6 of 11
jazzyvar84
Regular Contributor

Re: Rooms To Go/Synchrony Account

Thanks!!!!


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Message 7 of 11
AllDayLong
Established Member

Re: Rooms To Go/Synchrony Account

I was on the other end of the spectrum with synchrony. Had a mattress firm and Walmart card. Paid extra every month on mattress and always kept my Walmart card PIF for almost two years before the swap to capital one and couldn’t get anything from them only a $200 SL.
12/2019
Ex: 755
TU: 698
Capital One QS-5k, Savor-3k, Walmart-1k
Discover It-6.5k
Amex BCE-1k
GS Apple-1k
Chase Marriot-5k
Message 8 of 11
jazzyvar84
Regular Contributor

Re: Rooms To Go/Synchrony Account

So, Cap 1 reduced the amount of your Walmart card???


https://imgur.com/a/tyetH9n

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https://imgur.com/PXAsH0k
https://imgur.com/xlMnwpV
https://imgur.com/QjLKUy5
https://imgur.com/dYe3IfF
https://imgur.com/KQUNbHY
https://imgur.com/W0SREva
https://imgur.com/QuP1F41
https://imgur.com/WFD24AH
https://imgur.com/QcWPp4P
https://imgur.com/4pdbXr7
https://imgur.com/T9iJZYt
https://imgur.com/NkltgwD
https://imgur.com/BT9WKVf
https://imgur.com/L5ofsfo
Message 9 of 11
AllDayLong
Established Member

Re: Rooms To Go/Synchrony Account

No, synchrony held me at 200, capital one has bumped it to 1k already.
12/2019
Ex: 755
TU: 698
Capital One QS-5k, Savor-3k, Walmart-1k
Discover It-6.5k
Amex BCE-1k
GS Apple-1k
Chase Marriot-5k
Message 10 of 11
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