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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?
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Re: Strange CLD from 1500 to 1278
Do you have a balance on the card?
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
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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.
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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.
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
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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.
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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 will
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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?
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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.
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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.
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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.