Synchrony Total Exposure

[Creditaddict]

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@Ron1 wrote:

CA,

$100K is the max exposure including business (even not PG) and personal. You are getting close. You need to be careful.

Ron.

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Can't be... I have tons of business credit... probably $30-$40k

[Ron1]

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@Creditaddict wrote:

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@Ron1 wrote:

CA,

$100K is the max exposure including business (even not PG) and personal. You are getting close. You need to be careful.

Ron.

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Can't be... I have tons of business credit... probably $30-$40k

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They count everything under your name.

Ron.

[Creditaddict]

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@Ron1 wrote:

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@Creditaddict wrote:

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@Ron1 wrote:

CA,

$100K is the max exposure including business (even not PG) and personal. You are getting close. You need to be careful.

Ron.

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Can't be... I have tons of business credit... probably $30-$40k

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They count everything under your name.

Ron.

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Business cards are not under my name, they are under the business... I'm only listed as contact/bill payer for them... so that wouldn't count.

[Ron1]

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@Creditaddict wrote:

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@Ron1 wrote:

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@Creditaddict wrote:

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@Ron1 wrote:

CA,

$100K is the max exposure including business (even not PG) and personal. You are getting close. You need to be careful.

Ron.

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Can't be... I have tons of business credit... probably $30-$40k

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They count everything under your name.

Ron.

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Business cards are not under my name, they are under the business... I'm only listed as contact/bill payer for them... so that wouldn't count.

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They also count that too. 

Ron.

[Creditaddict]

Well clearly they aren't and I would still argue with how because my name has no responsibility to the account

[B335is]

CA, it's a whole different department that reviews your entire exposure to Synchrony. I don't want you to get a Synchrony FR.

[Creditaddict]

Called for a CLI on My TJX Mastercard and it was an extensive 2 holds and finally she comes back and says the reason for the hold is 2 parts:

My TJX MC qualifies for up to $8k ($3600 currently) but I will need to move the CL from something else.

I offered to CLOSE my BP Visa $4k after yesterday's increase.

being transferred to CSR to do that now.

[Anonymous]

Hope it works out for you, CA. What did they say the limit was?

[Ron1]

Good luck!!!! 

Ron.

[Creditaddict]

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@Anonymous wrote:

Hope it works out for you, CA. What did they say the limit was?

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No, but that it would be an even trade $1 for $1 for anything I wanted.

The transfer didn't go through so I ended up hanging up and calling and closing the BP through automated phone system and I'm not going to call back and increase my TJX, I don't need it and would rather a little breathing room to hopefully avoid FR