cancel
Showing results for 
Search instead for 
Did you mean: 

Strange CLD from 1500 to 1278

tag
folks19
Frequent Contributor

Strange CLD from 1500 to 1278

I noticed that my CL on my GAP store card (issued by Synchrony) was decreased from 1500 to 1278. I thought the number was a little odd. Any explination to what may be going on here?

Message 1 of 15
14 REPLIES 14
NRB525
Super Contributor

Re: Strange CLD from 1500 to 1278

Do you have a balance on the card?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 2 of 15
folks19
Frequent Contributor

Re: Strange CLD from 1500 to 1278


@NRB525 wrote:

Do you have a balance on the card?


No balance. I don't use the card anymore (has been over a year), but I see no point closing it either. It is frozen, and Sync will probably cancel it one day, but until than I'll take advantage of the contribution the card has to my AAoA.

Message 3 of 15
NRB525
Super Contributor

Re: Strange CLD from 1500 to 1278


@folks19 wrote:

@NRB525 wrote:

Do you have a balance on the card?


No balance. I don't use the card anymore (has been over a year), but I see no point closing it either. It is frozen, and Sync will probably cancel it one day, but until than I'll take advantage of the contribution the card has to my AAoA.


The reduction is $222. So it could be an AI bot that does CLD, and has developed an affinity for patterns when determining CLD amount as a way of acting out. #sarcastic. 

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 4 of 15
Credit12Fico
Established Contributor

Re: Strange CLD from 1500 to 1278

This is the usual Sync auto CLD for lack of use. Usually you can call in to have it restored. 

Message 5 of 15
AverageJoesCredit
Legendary Contributor

Re: Strange CLD from 1500 to 1278


@Credit12Fico wrote:

This is the usual Sync auto CLD for lack of use. Usually you can call in to have it restored. 


Agree but with OP not caring bout the card or limit and the limit not even that far off from the original, don't think they willSmiley Wink

Message 6 of 15
K-in-Boston
Credit Mentor

Re: Strange CLD from 1500 to 1278

Does look like they are mixing it up with the CLD for inactivity.  Didn't it always used to be $1024?

Message 7 of 15
CloudyWeather1331
Regular Contributor

Re: Strange CLD from 1500 to 1278

The card will


@folks19 wrote:

@NRB525 wrote:

Do you have a balance on the card?


No balance. I don't use the card anymore (has been over a year), but I see no point closing it either. It is frozen, and Sync will probably cancel it one day, but until than I'll take advantage of the contribution the card has to my AAoA.


The GAP cards will be going to Barclays soon, just an fyi.

-
Message 8 of 15
Adkins
Legendary Contributor

Re: Strange CLD from 1500 to 1278


@K-in-Boston wrote:

Does look like they are mixing it up with the CLD for inactivity.  Didn't it always used to be $1024?


Yes. 


Last HP 08-07-2023



Message 9 of 15
folks19
Frequent Contributor

Re: Strange CLD from 1500 to 1278


@Credit12Fico wrote:

This is the usual Sync auto CLD for lack of use. Usually you can call in to have it restored. 


Thank you for the info, though I don't really care about that so I won'e waste my time calling. I don't mind if they just close it completely by this point. I have not used the card for over a year.

Message 10 of 15
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.