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SYNCH CLI FOR DUMMIES..A COMPREHENSIVE GUIDE.

Community Leader
Super Contributor

SYNCH CLI FOR DUMMIES..A COMPREHENSIVE GUIDE.

 Do you find yourself frustrated that you have a Synch backed CC, and want your CL to move?? Too lazy too let your fingers do the walking, and "search" the forum for advice?  Well,  Dont fear!! CLI for DUMMIES is here!

 

 

1.  CALL CREDIT SOLUTIONS  (866) 519-6441/or (877) 379-8173 (preferred method), OR USE THE "CHAT"   FEATURE ON YOUR ONLINE ACCT 

 

2. ASK HIGH! THEY COUNTER BACK, AND ITS ALWAYS A SP (except for Care Credit-HP)

 

3. A GUIDE FOR ASKING:   GAS CARDS - $5K 

                                               STORE CARDS (GAP, ON, JCP, AMZ, etc.) - $10k 

                                               WALMART/SAMS - $10-$20K

                                               LOWES - $25K-$35k

                                               CARE CREDIT - $25K

 

4. REALIZE THAT EACH PERSONS OVERALL CREDIT PROFILE IS DIFFERENT, AND WHAT ONE PERSON GETS FOR A CLI, YOU MAY NOT. 

 

5.  IF DECLINED, NO BIG DEAL...CALL BACK IN A FEW MONTHS OR SO, OR IMPROVE YOUR PROFILE.... THEN REPEAT STEP 1.

 

 

 

YOU'RE WELCOME! Smiley Wink


Scores held down by umpteen INQ & New accounts, and a paid off loan and new loan reporting.
Message 1 of 93
92 REPLIES
Moderator

Re: SYNCH CLI FOR DUMMIES..A COMPREHENSIVE GUIDE.

Hey who you calling a dummy? I'm stupid but no dummy Smiley Tongue

 

Good info Pizza

Message 2 of 93
Community Leader
Super Contributor

Re: SYNCH CLI FOR DUMMIES..A COMPREHENSIVE GUIDE.


Irish80 wrote:

Hey who you calling a dummy? I'm stupid but no dummy Smiley Tongue

 

Good info Pizza


LOL..  Just getting tired of typing the same response over and over and over and over again..   LOL..I thought a comprehensive guide would help people, and me! Smiley Wink


Scores held down by umpteen INQ & New accounts, and a paid off loan and new loan reporting.
Message 3 of 93
Senior Contributor

Re: SYNCH CLI FOR DUMMIES..A COMPREHENSIVE GUIDE.

LOL, fantastic info pizza, thank you for posting. It might also help to post in here somewhere not to expect the 20k if someone has a 620 FICO!

 

It's always sad when someone reads a post about another person getting a CLI up to 20k with Sam's or Walmart, and doesn't understand why they can't get their card that high, too. They don't realize that person had a 760 vs. a 620! I've seen a few of those posts lately. Good to note so people can temper their expectations.

 

Asking high is always best though, agreed! Credit Solutions rocks.Smiley Happy



Favorite Cards : ~ Citi Double Cash World Elite MasterCard ~
~ American Express Blue Cash Preferred ~ Chase Hyatt Visa Signature ~
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Message 4 of 93
Community Leader
Super Contributor

Re: SYNCH CLI FOR DUMMIES..A COMPREHENSIVE GUIDE.


humuhumunukunukuapuaa wrote:

LOL, fantastic info pizza, thank you for posting. It might also help to post in here somewhere not to expect the 20k if someone has a 620 FICO!

 

It's always sad when someone reads a post about another person getting a CLI up to 20k with Sam's or Walmart, and doesn't understand why they can't get their card that high, too. They don't realize that person had a 760 vs. a 620! I've seen a few of those posts lately. Good to note so people can temper their expectations.

 

Asking high is always best though, agreed! Credit Solutions rocks.Smiley Happy


Yes, youre absolutely right!!! + 1... (duley noted, and added)  Smiley Wink


Scores held down by umpteen INQ & New accounts, and a paid off loan and new loan reporting.
Message 5 of 93
Valued Contributor

Re: SYNCH CLI FOR DUMMIES..A COMPREHENSIVE GUIDE.

Lmao pizza, this is awesome!! Kudos to you!

Up to $315k in CLs. FICO scores are 750s across the board.
Message 6 of 93
Valued Contributor

Re: SYNCH CLI FOR DUMMIES..A COMPREHENSIVE GUIDE.

good info, I always advise people on this strategy.
Message 7 of 93
Valued Contributor

Re: SYNCH CLI FOR DUMMIES..A COMPREHENSIVE GUIDE.

Thank you! 

 

Message 8 of 93
Established Contributor

Re: SYNCH CLI FOR DUMMIES..A COMPREHENSIVE GUIDE.

Thank you Pizza! Someone needed to post this and that someone should have been you, as one of our most outspoken advocates of credit increases. Now let's get it stickied and we're good! Smiley Happy

CH7 BK 05/2011
279k Revolving
Scores as of 04/08/2016: 691 /730 / 722
No Hard Pulls in 2016
Not Credit Seeking in 2016
Message 9 of 93
Senior Contributor

Re: SYNCH CLI FOR DUMMIES..A COMPREHENSIVE GUIDE.

I will say this too, always YMMV, but I have had luck getting a family members lowes card a CLI, after I got 2 denials, I asked for a senior analyst.  This was for an account that sat at 5-7k for YEARS. No major changes in credit profile either. Increase to 14k.  Each time always requested 25k.

 

I also thought that the phone number was different for each one. Can u do multiple cards on one call lol.

EQ 730, TU 730, EX 720. INQs EQ-1, TU-9, EX-7 AAOA 4yrs Util 6% Inspiration: Themanwhocan's Cash Back Charts
Message 10 of 93