TU is 621

[Anonymous]

My hubby recently opened a Cap 1 card for $500. 2 statements have cut. This brought his TU score to 621. Since I am helping him build his credit, I would like to know which Synchrony cards he might get approved for? I'm interested in Wal-mart and maybe Lowe's even if it's low limits . Thoughts?

[Anonymous]

I believe synchrony Wal Mart might work watch out with too many of their cards less you get the dreaded blue envelope. Lowe's too but that one grows like wild fire.

[Anonymous]

I'd expect. Around 1kor so on wally world possibly less around that score range I was given 600 but it grew exponentially to 5k in a few months.

[Anonymous]

You can try for Walmart. I'm not sure about Lowes. I don't have that one.

[Anonymous]

Amazon and Walmart

[rmduhon]

Hubby's scores were a little lower than yours when he got approved for Walmart and Amazon, 150 and 800 respectively. They are now 6k each. Lowe's was approved at a similar score for 700. That one is now 17k. I'd say that you have a fair shot at any of those. Of course, YMMV

[Anonymous]

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@rmduhon wrote:
Hubby's scores were a little lower than yours when he got approved for Walmart and Amazon, 150 and 800 respectively. They are now 6k each. Lowe's was approved at a similar score for 700. That one is now 17k. I'd say that you have a fair shot at any of those. Of course, YMMV

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Hi

I have a Kohls card, but it hasnt received a CLI ever.  Initial starting and still at $300....

How id your hubby get such high CLIs?  Did he use the cards alot, or how often?

[rmduhon]

It's a Synchrony thing. For example, my Lowe's card started out 700 in late September. I've used it maybe 4 times (the highest purchase was 150) and I also have a 17k limit. I just occasionally chat and ask for a CLI. They'll ask what limit you want and will either approve the amount, counter with a different amount, or deny it.

[Anonymous]

Well we pulled the trigger for Walmart and got $700. 3-4 days response on Lowe's app and 7-10 days response on Target (which I know isn't Synch)