Synchrony Limit - Getting nervous

[ccpat]

I know there are thousans of "Synchrony Closed My Account" threads but I can't find one that addresses the topic of what is their "watch it" limit.

I have 6 cards (Sams, PayPal, Care Cr, Lowes, Amaz, and WM) with a total of $81K in limits. I use the Sams, Amazon and WM on regular basis and pay off usually within 2 weeks. The other 3 I just keep movement on every 6 months...nothing major....usually under $200.

Not asking for any more CLI (I have enough).  Income is over $170K and TU score is 773. Thick profile but everything gets paid off. Am I good? I love my Synch Cards and don't want them closed down. What usually spooks them?

[Varsity_Lu]

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@ccpat wrote:

What usually spooks them?

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Have a Synch card?  Spooked.

Apply for a Synch card?  Spooked.

Ask for a CLI on your Synch card?  Spooked.

Use any card other than Synch?  Spooked.

Don't use a card other than Synch?  Spooked.

Use your Synch card regularly?  Spooked.

Don't use your Synch card regularly? Spooked.

Use a pre-approval tool for a different bank?  Spooked.

Buy something at Buc-ee's?  Spooked.

Log into you Synch app?  Spooked.

Pay off a credit card?  Spooked.

Carry a small balance on a credit card?  Spooked.

[ccpat]

Now I'm really nervous!! 🤣🤣🤣🫨🫨

[ElvisCaprice]

I wouldn't get all worried about them, you have them, it is what it is.  But I would plan on, over time, getting other cards to replace those stores/categories you need them for.  Meanwhile collecting SUBS.  Allowing you to eventually close or severally CLD some/all of them.  

[ptatohed]

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@Varsity_Lu wrote:

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@ccpat wrote:

What usually spooks them?

---

Have a Synch card?  Spooked.

Apply for a Synch card?  Spooked.

Ask for a CLI on your Synch card?  Spooked.

Use any card other than Synch?  Spooked.

Don't use a card other than Synch?  Spooked.

Use your Synch card regularly?  Spooked.

Don't use your Synch card regularly? Spooked.

Use a pre-approval tool for a different bank?  Spooked.

Buy something at Buc-ee's?  Spooked.

Log into you Synch app?  Spooked.

Pay off a credit card?  Spooked.

Carry a small balance on a credit card?  Spooked.

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Lol.  You didn't list CLD request!

[AMJ50]

I just closed all three sync cards, PayPal Mastercard zero balance cld, PayPal credit and Verizon cld. Not very large limits had a care credit used once, then cld, then I closed it a few years ago. I saw the writings on the wall and closed them all. It feels like a load has been lifted off my solders.

[ElvisCaprice]

I enjoy closing cards (dead weight) just as much as opening them.

[NoMoreE46]

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@ccpat wrote:

I know there are thousans of "Synchrony Closed My Account" threads but I can't find one that addresses the topic of what is their "watch it" limit.

I have 6 cards (Sams, PayPal, Care Cr, Lowes, Amaz, and WM) with a total of $81K in limits. I use the Sams, Amazon and WM on regular basis and pay off usually within 2 weeks. The other 3 I just keep movement on every 6 months...nothing major....usually under $200.

Not asking for any more CLI (I have enough).  Income is over $170K and TU score is 773. Thick profile but everything gets paid off. Am I good? I love my Synch Cards and don't want them closed down. What usually spooks them?

---

Your profile seems great but Synch is funny.  When did you open the 

last account ?

[pizzadude]

In many of the reported cases of Synchrony AA, there isn't any obvious that their cardholders are doing or not doing to trigger it

I believe they likely have some internal risk management algorithms that make these decisions.

[ocheosa]

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@ccpat wrote:

I know there are thousans of "Synchrony Closed My Account" threads but I can't find one that addresses the topic of what is their "watch it" limit.

I have 6 cards (Sams, PayPal, Care Cr, Lowes, Amaz, and WM) with a total of $81K in limits. I use the Sams, Amazon and WM on regular basis and pay off usually within 2 weeks. The other 3 I just keep movement on every 6 months...nothing major....usually under $200.

Not asking for any more CLI (I have enough).  Income is over $170K and TU score is 773. Thick profile but everything gets paid off. Am I good? I love my Synch Cards and don't want them closed down. What usually spooks them?

---

In the words of the great Oda Mae Brown -

"You in danger girl!"

Six cards at TCL $81K....you are well over the danger zone.  I would start looking for alternates. My advice, be proactive, keep the three you want/need the most and let the others go. Do not touch that CLI button or call to discuss anything unless absolutely necessary (fraud, stolen/lost card). 

I had five lines (1-4yr.), TCL $62K and they shut me down tout de suite. No rhyme or reason other than it was my turn at bat. Luckily it was a non-event as I had already set up alternates.

Sauron is always watching...