Synchrony - why a huge difference in limits?

[masscredit]

I recently applied for a Lowes card because they are known for high starting limits. Those limits tend to grow even higher than other cards that are backed by Synchrony? Why is that?  For example, Walmart and JCP tend to start off at a few thousand or lower then slowly increase. Is it because cardholders can easily spend $10K-$15K at Lowes?

[ojefferyo]

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@masscredit wrote:

I recently applied for a Lowes card because they are known for high starting limits. Those limits tend to grow even higher than other cards that are backed by Synchrony? Why is that?  For example, Walmart and JCP tend to start off at a few thousand or lower then slowly increase. Is it because cardholders can easily spend $10K-$15K at Lowes?

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Bingo, look at some high end fridges along with a washer dry set.

[masscredit]

Are there any other Synchrony cards that have high starting limits?

[Anonymous]

Usually I just call up and get the cl bumped after approval. Recently got approved for old navy, 300 -400 cl. I immediately picked up the phone and called them and they bumped it up to 4000.

[masscredit]

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@Anonymous wrote:

Usually I just call up and get the cl bumped after approval. Recently got approved for old navy, 300 -400 cl. I immediately picked up the phone and called them and they bumped it up to 4000.

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I called after I received my first Barclay card but didn't know this was something that can be done for many cards until recently. Like for my Lowes card, they approved it for $2K while I was on the phone so I asked if that could be increased to $10K. They approved that. Read some replies here that said if you asked for a certain amount and your approved for it, you probably could have got more. So I called back and asked for $20K. They countered with $17K.  I won't be applying for any more cards but I'll remember this for future CLIs. 

[takeshi74]

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@masscredit wrote:

I recently applied for a Lowes card because they are known for high starting limits.  

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Limits are not just a matter of the card.  Your credit profile and income matter.

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@masscredit wrote:

Is it because cardholders can easily spend $10K-$15K at Lowes? 

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And CLI's are not just a matter of spend/usage.  UInderwriting criteria can certainly vary from creditor to creditor and even product to product but, again, credit profile and income matter.

[masscredit]

Using me as an example, my JCP card's limit is increasing, but not to fast. While my Walmart card is climbing quicker My Lowes card started off way beyond both of them.