@NoMoreE46 wrote:Good for you. Yes- focus your spending on the Disco and Chase. They can grow big (my Chase Prime went from $6000 to $20500) and more importantly, you won't typically have to go through these types of "reviews" with them.
@GreyvyTrain wrote:@NoMoreE46 No worries, I wasn't using the Lowe's and while the CareCredit helped out a little, I was always thinking there's gonna be one day where I miss the ending of one of those promotional balances, and the amount doubles back up on me. Two less cards to worry about as I lay low waiting on these COs to age off. Figure if I do heavy spend accompanied by heavy payments on the Chase card, might get me somewhere with them.
I've been trying hard with Disco for awhile now. Letting it report high, and paying one large PIF payment 2-3 days after statement cut. Still the same ol' "Insufficient expereince with current credit limit" response. I bet with the way Disco works, if I drawer their card for 2-3 months, I'll get an auto CLI.
Got a letter regarding the Lowe's account today, assuming same reason for both.
"Activity on account(s) with Synchrony Bank indicative of high risk of failure to pay."
Sure, even though I've never missed a payment, and typically PIF before the statement cuts. Whatever helps you sleep at night, Synchrony.
Oh nooooooo!!! I'm so sorry to hear this!
@Jordan23ww No worries here, sounds like it's kind of their "MO." The Lowes card was basically always gonna be a drawered card, just figured it would grow fast and help with overall utilization. Better to have happened now, then anytime I was depending on it to keep that aggregate UTI low.
@Patient957 Agreed, that could very well be their reasoning too. However, I have hit the CLI request button about once a month for the last year, so not sure if it was just the review at 1 year of account opening, me periodically asking for a CLI, or the fact that I asked for one immediately after receiving one. Only the guy behind the computer at Synchrony knows!
@GreyvyTrain wrote:@Patient957 Agreed, that could very well be their reasoning too. However, I have hit the CLI request button about once a month for the last year, so not sure if it was just the review at 1 year of account opening, me periodically asking for a CLI, or the fact that I asked for one immediately after receiving one. Only the guy behind the computer at Synchrony knows!
How much credit limit did you have in total with Synch before the CLI request? I'm willing to bet money that your request put you over some internal limit they had and that's what did you in. Typically you want to keep your total Synchrony exposure as low as possible. Certainly 50k seems to be about the maximum that you want to keep with them and that's across all cards. I've heard of people being cut at 35k total exposure though. I'm at 20k right now and am leery about pushing it higher with another card even though a Lowe's card makes sense for me.
8/8/25
@Lou-natic wrote:
@GreyvyTrain wrote:@Patient957 Agreed, that could very well be their reasoning too. However, I have hit the CLI request button about once a month for the last year, so not sure if it was just the review at 1 year of account opening, me periodically asking for a CLI, or the fact that I asked for one immediately after receiving one. Only the guy behind the computer at Synchrony knows!
How much credit limit did you have in total with Synch before the CLI request? I'm willing to bet money that your request put you over some internal limit they had and that's what did you in. Typically you want to keep your total Synchrony exposure as low as possible. Certainly 50k seems to be about the maximum that you want to keep with them and that's across all cards. I've heard of people being cut at 35k total exposure though. I'm at 20k right now and am leery about pushing it higher with another card even though a Lowe's card makes sense for me.
4.5K CareCredit, 1K Lowes.
After CLI before closing, 7K Care, 5K Lowes.
Synchrony's AA department after spending one penny with their CC:
Fico8: EX~EQ~TU~840 (12 month goal~850).