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Sync PayPal MasterCard CL Decrease 10K>1K

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nyyankees877
Valued Member

Sync PayPal MasterCard CL Decrease 10K>1K

I logged into my PayPal account and Sync lowered my credit limit from 10k to 1028! How random of a number -_-





Message 1 of 10
9 REPLIES 9
AllZero
Mega Contributor

Re: Sync PayPal MasterCard CL Decrease 10K>1K

That is quite unfortunate.
Message 2 of 10
K-in-Boston
Credit Mentor

Re: Sync PayPal MasterCard CL Decrease 10K>1K

Sorry to hear that.  Has it been a while since you've used the account?

Message 3 of 10
AverageJoesCredit
Legendary Contributor

Re: Sync PayPal MasterCard CL Decrease 10K>1K

Sync loves random #s. Could you please add more details here please. How many Sync cards do you have? How much exposure? Current credit situation? Fico scores? How much do you use it? Balance / balances. There are many reasons a cld can happen,  coronavirus not related. Thanks and sorry.

Message 4 of 10
KLEXH25
Valued Contributor

Re: Sync PayPal MasterCard CL Decrease 10K>1K

Ugh that sucks. I'm so sorry. I legit just checked my account to make it didn't happen to me too. As Joe mentioned, if you have any DPs, that would be most appreciated. 



Message 5 of 10
Benzman
Frequent Contributor

Re: Sync PayPal MasterCard CL Decrease 10K>1K

That 1028 happens when you haven't used the card for awhile and appears to be an automatic feature. I have had that happen a few times over the years. Normally I just go to the credit limit increase page, fill in the usual info, and it restores my limit instantly back to what it always was.

Amex CM 10K | Amex ED 10K | Amex BCE 7.5K | 5/3RD SU2C 10K | 5/3RD SU2C 6.5K | Barclays Cash 6K | Barclay AARP 3.5K | Bread AMEX 14K | Bread NFL 7.5K | Citizens Cash 8K | Citizens Clear 2.5K | Citi® DP 11.3K | Citi® Simplicity 9.4K | Citi® TY 6.5K | Citi® DC 4K | Citi CuC 3.4K | Cap One QS 14.6K | Cap One WM MC 11K | Discover It 19.5K | Discover Miles 13.5K | BOA Cash 13.2K | BOA 7K | US Bank State Farm Visa 4K | US Bank AMEX 22.5K | US Bank Plat 16.5K | US Bank Cash 11.2K | FNBO Rewards 20K | FNBO Evergreen 11.3K | Huntington Rewards 1.4K | Huntington Voice 10,750K | Huntington Voice Rewards 11K | PF|CP Rewards 8.2K | PF|CP Gold 3.2K | PNC Cash 15K | PNC Core 15K | PNC Points 8K | Fidelity 15K | Wells Active 12K | Wells Reflect 10K | Target MC 12.5K | TD Cash 4.5K | Truist 6.5K | Truist 6.5K | Truist 6.5K | Truist 6.5K | Synch Premier MC 11.6K | Ebay MC 10K | Apple Card 6K | Deserve Digital 6K | Simon AMEX 6K | Chase Amazon 1.5K | F8 Scores 6/24 EX789; TU781; EQ792.
Message 6 of 10
nyyankees877
Valued Member

Re: Sync PayPal MasterCard CL Decrease 10K>1K


@AverageJoesCredit wrote:

Sync loves random #s. Could you please add more details here please. How many Sync cards do you have? How much exposure? Current credit situation? Fico scores? How much do you use it? Balance / balances. There are many reasons a cld can happen,  coronavirus not related. Thanks and sorry.


I haven't used the card in a year and a half. All my Sync cards are in my signature - 5 open cards plus closed Walmart MC. 780s/90s for Fico 8. 4% Total card util (7,525/195,824). No baddies. 





Message 7 of 10
PRose123
New Contributor

Re: Sync PayPal MasterCard CL Decrease 10K>1K


@nyyankees877 wrote:

I logged into my PayPal account and Sync lowered my credit limit from 10k to 1028! How random of a number -_-


💳Shutting down inactive cards has happened to me numerous times with Synchrony AND Comenity 🥴. The good thing is when reopened (via a new application), its usually for TWICE as much! LOL. It is hard to use a credit card just to keep it open. With $100K+ in credit, I refuse. Some, i didn't bother to re-apply as it only would serve to lower my AAoA and increase # of inquiries. Just a heads up; I never miss and I'm never late but it did seem to occur when my overall utility across the board was over 30%. I just recently started paying attention to that 😁.









World's Worst Gardener
Message 8 of 10
Anonymous
Not applicable

Re: Sync PayPal MasterCard CL Decrease 10K>1K

That sucks.  Sorry to hear!


@Benzman wrote:

That 1028 happens when you haven't used the card for awhile and appears to be an automatic feature. I have had that happen a few times over the years. Normally I just go to the credit limit increase page, fill in the usual info, and it restores my limit instantly back to what it always was.


Interesting factoid. 

Message 9 of 10
AverageJoesCredit
Legendary Contributor

Re: Sync PayPal MasterCard CL Decrease 10K>1K


@nyyankees877 wrote:

@AverageJoesCredit wrote:

Sync loves random #s. Could you please add more details here please. How many Sync cards do you have? How much exposure? Current credit situation? Fico scores? How much do you use it? Balance / balances. There are many reasons a cld can happen,  coronavirus not related. Thanks and sorry.


I haven't used the card in a year and a half. All my Sync cards are in my signature - 5 open cards plus closed Walmart MC. 780s/90s for Fico 8. 4% Total card util (7,525/195,824). No baddies. 


Thank you. Have you tried requesting cli as suggested upthread?

Message 10 of 10
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