Tips wanted for Lowes CLI

[Anonymous]

I was approved online for the lowes advantage cc over seven months ago with a $1,000 sl. My TU score was ~690 at that time. Recently hit the online luv button and asked for $8,000 and was denied. My TU has dropped to the ~690s due to high utilization on other cards. I should be able to boost my score to the 700s within the next couple months by lowering my utilization. I’ve seen people here get huge CLIs and would like to increase mine to help with my overall utilization. Im not a huge spender but consistently spend hundreds on lowes each month and PIF on time. I plan on calling credit solutions soon when my TU hits ~700+ and asking for 18k and hopefully get countered 12k-15k. Hope to someday increase this limit to 20k-22k. Ive never called to request a CLI so wondering if this is a reasonable increase or should I request more?

[Jnbmom]

What were the reasons given in your decline letter? 

[Anonymous]

You mention high usage on other cards - how high and on how many of your cards? TU score seems to be the big factor for Lowes but your profile will come into play. Paying down other accounts is likely to help a lot.

[Anonymous]

Have not received the letter yet. I just requested the CLI earlier this week

[Anonymous]

Total reported usage was ~80% by the end of this of this month it should report ~35% or less

[Anonymous]

The 80% is very likely the issue. If you’re shooting for 35%, try to dig a little deeper and try for 28%. That’ll drop you through an additional scoring threshold and kick in a few more points. Plus, Synchrony is now using VS4.0 for credit decisions, and in my Lowe’s account it lists the most critical factor for VS4.0 scoring as utilization.

[Anonymous]

Does Synchrony do a HP on an online request for Lowe's card?

[Anonymous]

@rsmy1234, if you mean a CLI request, no - it’s a SP just like calling in.

[Anonymous]

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@Anonymous wrote:
@rsmy1234, if you mean a CLI request, no - it’s a SP just like calling in.

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Lol, yes that's what I meant, sorry. Not for the card. I'll try the button.

[Anonymous]

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@Anonymous wrote:

Does Synchrony do a HP on an online request for Lowe's card?

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I tried the luv button. I put up the shot and it was rejected. It looked like goaltending to me, but ref said blocked shot lol.