Synchrony EO

[TiggerDat]

Maybe it is a new policy for the hard pulls?  Maybe it is misinformed reps?  I have been told in the past by other creditors that they will do a credit check and many of the reps don't understand the difference between a hard and a soft pull.  Some simply state that it is a hard pull to cover their behinds.  Calling back and speaking to someone else might get a different result.  Last time I did a manual increase with my PayPal card it was a soft pull.  For both my Walmart and PayPal card with regular usage they have been pretty good about increasing my limits.  The Walmart card has never actually given a limit increase unless I asked for it, but it was either a soft pull or no pull when I did.  I only asked for a CLI on the PayPal card once and I had to go through the backdoor to get it, however they have done auto increases a few times. 

On the PayPal card I had it for about three months and I got my first increase.  I used the card a few months afterward to do some travelling, so it got a bit of use out of it.  They double the limit.  Then I got two more increases automatically since then.  I now have almost a $10,000 limit with them!  In fact right after I got that limit about six months ago I app'd for the SM card and they gave me the same limit.  I am pretty certain the only reasons I haven't gotten an increase since then is because of the new accounts I have added and that I don't use nearly that much with them.  I don't even use 30% at most on that card.  It's a nice limit anyway and the only time the rewards are good for me is really never.  (That is why I loaned it out to my sister!)

[xXIDaShizIXx]

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@TiggerDat wrote:

Maybe it is a new policy for the hard pulls?  Maybe it is misinformed reps?  I have been told in the past by other creditors that they will do a credit check and many of the reps don't understand the difference between a hard and a soft pull.  Some simply state that it is a hard pull to cover their behinds.  Calling back and speaking to someone else might get a different result.  Last time I did a manual increase with my PayPal card it was a soft pull.  For both my Walmart and PayPal card with regular usage they have been pretty good about increasing my limits.  The Walmart card has never actually given a limit increase unless I asked for it, but it was either a soft pull or no pull when I did.  I only asked for a CLI on the PayPal card once and I had to go through the backdoor to get it, however they have done auto increases a few times. 

On the PayPal card I had it for about three months and I got my first increase.  I used the card a few months afterward to do some travelling, so it got a bit of use out of it.  They double the limit.  Then I got two more increases automatically since then.  I now have almost a $10,000 limit with them!  In fact right after I got that limit about six months ago I app'd for the SM card and they gave me the same limit.  I am pretty certain the only reasons I haven't gotten an increase since then is because of the new accounts I have added and that I don't use nearly that much with them.  I don't even use 30% at most on that card.  It's a nice limit anyway and the only time the rewards are good for me is really never.  (That is why I loaned it out to my sister!)

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No, it had been said on here before that they prefer hard pulls for my accounts (Car Care One and Ashley Furniture and any other financing type card). I've talked to CSRs, credit analysts, and account managers. They all have said the same thing unfortunately. Blah this sucks.

[FinStar]

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@xXIDaShizIXx wrote:

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@TiggerDat wrote:

Maybe it is a new policy for the hard pulls?  Maybe it is misinformed reps?  I have been told in the past by other creditors that they will do a credit check and many of the reps don't understand the difference between a hard and a soft pull.  Some simply state that it is a hard pull to cover their behinds.  Calling back and speaking to someone else might get a different result.  Last time I did a manual increase with my PayPal card it was a soft pull.  For both my Walmart and PayPal card with regular usage they have been pretty good about increasing my limits.  The Walmart card has never actually given a limit increase unless I asked for it, but it was either a soft pull or no pull when I did.  I only asked for a CLI on the PayPal card once and I had to go through the backdoor to get it, however they have done auto increases a few times. 

On the PayPal card I had it for about three months and I got my first increase.  I used the card a few months afterward to do some travelling, so it got a bit of use out of it.  They double the limit.  Then I got two more increases automatically since then.  I now have almost a $10,000 limit with them!  In fact right after I got that limit about six months ago I app'd for the SM card and they gave me the same limit.  I am pretty certain the only reasons I haven't gotten an increase since then is because of the new accounts I have added and that I don't use nearly that much with them.  I don't even use 30% at most on that card.  It's a nice limit anyway and the only time the rewards are good for me is really never.  (That is why I loaned it out to my sister!)

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No, it had been said on here before that they prefer hard pulls for my accounts (Car Care One and Ashley Furniture and any other financing type card). I've talked to CSRs, credit analysts, and account managers. They all have said the same thing unfortunately. Blah this sucks.

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Unfortunately, those CC programs were handled separately by the GECAP financing arm before the Synchrony unification for both lending divisions.  However, for most other non-traditional financing CC programs, it will be HP regardless.  If it's really worth it to you and you really "need" the CLI, then a HP should be no issue.

[xXIDaShizIXx]

I don't need it, just want to increase my line. I was going to use it, but just pay in full. Just working on building more history right now.