Synchrony and Ritani HELP

[Anonymous]

I'm looking to get engagement ring financing. I know they use TU for their approvals. I have 641 TU. I opened a 3k cap one card bit it's not on my TU yet. I also am showing a 280/500 balance which will be updated to 500 no debt. No late or past dues ever. I'm sure my credit score will jump. I'm waiting before I apply obviously. Now, what's my chance to get a 8k limit on that card? I have 90k in income. Anyone have experience with them, and with what scores?

[Anonymous]

What are your limits on other cards?  Can you list them?  Getting a high limit will be dependant on your current limits on card, your credit profile etc....

[Anonymous]

My credit one has a 400 limit
My cone quick silver is 3k

[Anonymous]

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@Anonymous wrote:
My credit one has a 400 limit
My cone quick silver is 3k

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Ritani's credit is issued by Synchrony and based on what you posted, I highly doubt you will be getting an 8k limit on the card.  You may get approved but it will be for a lower amount.

The algorithm set in place to decide limit will not give you that high of a limit base on the info. you provided.

[Anonymous]

How much would I get and how can I get higher? How about the cl button increase?

[Anonymous]

And should I wait until my cr updates with my info or just apply with my TU 641 score?

[Anonymous]

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@Anonymous wrote:
And should I wait until my cr updates with my info or just apply with my TU 641 score?

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No, wait for your credit reports to update before applying.

[Anonymous]

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@Anonymous wrote:
How much would I get and how can I get higher? How about the cl button increase?

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How much you get is dependent on your file as I said earlier.  If you get approved, it will be closer to your current limits as these these companies take into consideration an applicant't experience with a bigger limit which you don't have.

The CL button for increase can help if you get approved....  Again, it will all come down to your credit portfolio.

[Anonymous]

Quick question and ty, ritani lets me use my cl instantly would I be able to use the cl button to increase the limit or do I have to wait to get the actual card? My income easily supports the payment I'm hoping here

[Anonymous]

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@Anonymous wrote:
Quick question and ty, ritani lets me use my cl instantly would I be able to use the cl button to increase the limit or do I have to wait to get the actual card? My income easily supports the payment I'm hoping here

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Yes, you can request a CL right after creating an account without having the card in hand.