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SYNCH CLI FOR DUMMIES..A COMPREHENSIVE GUIDE.

Epic Contributor

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

Yeah call back for Lowes and ask for $25, they will prob counter 17
Message 51 of 93
New Member

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

Ok, so I called back and asked for $25000 on the Lowes cc, but they countered with $12000.  I"ll take it, especially since my limit was only $1000 initially.

Message 52 of 93
Frequent Contributor

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

If your TU is around 700 call back in 90 days and ask for $25,000, I was initially approved for $600 on 10/4, called immediately and asked for $25,000 and got a counter for $17,000, just called last week and asked for $25,000 and was approved.

Amex (Plat., Delta gold, BCP, Lowes, SC,BRG) Sync. (Sams MC, Walmart MC, eBates, Marvel, Care)
Chase (CSR, AARP, United) Capital One (Venture) NFCU (CLOC, GO, Cash rewards)
Wells Fargo (Rewards, Platinum) Citi (DP, Costco, TY) Barclay (Ring) Discover x 2 (IT) BOA (Visa Rewards)
Blispay (Rewards) Alliant (Cash Sig.) PenFed (Promise, Rewards, LOC)
USAA (Platinum, Rewards) PayPal (Credit) VCU (MC, LOC), TD (Cash)
Store Cards (Amazon, Lowes, Home Depot, Nordstrom, Macy’s AM)
Utilization 6% | AAOA 2 yrs| FICO (08) - TU 739 - EX 709 - EQ 697 - FICO (09) EX 714 - EQ 723 - Garden since 4/22/18
Message 53 of 93
Epic Contributor

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

Call back and ask for $35k, that's the next step after 25
Message 54 of 93
Frequent Contributor

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

Thanks CU, I've read all your posts... 

Amex (Plat., Delta gold, BCP, Lowes, SC,BRG) Sync. (Sams MC, Walmart MC, eBates, Marvel, Care)
Chase (CSR, AARP, United) Capital One (Venture) NFCU (CLOC, GO, Cash rewards)
Wells Fargo (Rewards, Platinum) Citi (DP, Costco, TY) Barclay (Ring) Discover x 2 (IT) BOA (Visa Rewards)
Blispay (Rewards) Alliant (Cash Sig.) PenFed (Promise, Rewards, LOC)
USAA (Platinum, Rewards) PayPal (Credit) VCU (MC, LOC), TD (Cash)
Store Cards (Amazon, Lowes, Home Depot, Nordstrom, Macy’s AM)
Utilization 6% | AAOA 2 yrs| FICO (08) - TU 739 - EX 709 - EQ 697 - FICO (09) EX 714 - EQ 723 - Garden since 4/22/18
Message 55 of 93
Super Contributor

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

I didn't know this pot. I should have read it before I asked.

 

 

 

Ron.

Message 56 of 93
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


No one call anyone a dummy.  It is for beginners. 

 

 

Ron.

Message 57 of 93
Super Contributor

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

Some of cards you can ask for CLI after you get approve. It depends on the type of the card. You need to wait for a couple of months to get a CLI. I go auto cli from AEO and Belk.AE, Belk, and TJmaxx don't have online chat. You have to call CS to ask for CLI.

 

 

Ron.

Message 58 of 93
Valued Contributor

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

The highest Synchrony backed Amazon store card credit line that I've ever seen verified online is $30,000.


Maximum limits I've seen are $35,000 Lowe's store card, $50,000 Walmart MasterCard, $45,000 PayPal Extras MasterCard or what I
call along with the Amazon card, "The Four Synchrony Horseman" that I will ride to 6-figures in Synchrony Bank credit. Smiley Very Happy

 

AAoA = 3.7 years|Oldest Account = 13.2 years|Inquiries = 3-EX, 6-EQ, 6-TU. I have the credit patience of a Buddha and Yoda love child, but the credit anger of The Hulk if I get a starting credit limit under $10K!

$70,000 Merrill Lynch Visa+|$36,000 AMEX Blue Cash|$35,900 Cap1 QS|$35,000 Lowes|$25,000 NFCU CashRewards|$25,000 NFCU Flagship|$25,000 RBFCU Premium MC|$25,000 Walmart MC|$20,500 PenFed Platinum|$10,000 PenFed Promise|$9,000 Blispay Visa|$15,000 NFCU PLOC|$10,000 RBFCU PLOC|$10,000 PenFed PLOC|PayPal Credit $8,357
Message 59 of 93
Valued Contributor

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

@eastbmo

 

What was your Transunion FICO 08 score (CCT) the day (or closest score date) that you asked for the CLI's?

AAoA = 3.7 years|Oldest Account = 13.2 years|Inquiries = 3-EX, 6-EQ, 6-TU. I have the credit patience of a Buddha and Yoda love child, but the credit anger of The Hulk if I get a starting credit limit under $10K!

$70,000 Merrill Lynch Visa+|$36,000 AMEX Blue Cash|$35,900 Cap1 QS|$35,000 Lowes|$25,000 NFCU CashRewards|$25,000 NFCU Flagship|$25,000 RBFCU Premium MC|$25,000 Walmart MC|$20,500 PenFed Platinum|$10,000 PenFed Promise|$9,000 Blispay Visa|$15,000 NFCU PLOC|$10,000 RBFCU PLOC|$10,000 PenFed PLOC|PayPal Credit $8,357
Message 60 of 93