Just to add the data points, last October and November I opened my last two Synchrony accounts. One I was able to get to 10k, but received a Visa, not a Visa Signature. The last one was a low CL of I think 2500. I was able to get it to 7.5k, but the account came with a very high interest rate. Late in December I called for CLI's and was declined on all fronts. (I have four accounts with them.) Looking back I think they was watching me and determining if I was an out-of-control apper. These last two cards came after a year of heavy apping activity. I thought all this was because I had burned them in my Chapter 13 in 2008, but now I don't think so.
Fast forward to this week, I was able to get my Amazon to 14k (a 4k increase-I am planning a large purchase and told them that.) plus my Stash to 15k and increase of 5k.I am going to NOLA soon and plan to stay at a Stash hotel. I called Stash and asked if I could get the upgrade to a Visa Signature and was told unfortunately no and implied that when I applied I was put in a "box" and for that to change they had to determine that they wanted to offer me the Signature. Oh, I had no plans to ask for increases on my other two cards because I don't need them.
Since I have had these cards I have used them and paid them off monthly except Amazon, which has those no interest long term offers. I just passed the one year mark with Amazon. To put it all in perspective before those last two cards I had received high CL and low interest on most new accounts.
Just seeing all this unfold makes me think about my history with them with a new perspective. I think I am fine with them now. I don't expect anything "hinky" to happen although I realize nothing is certain. I did just what many in this thread have said. I used my cards well and paid in full on made regular payments on a zero interest item. Hope this helps someone.
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