does the amazon synchrony card allow for over the limit purchases?

[Anonymous]

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@K-in-Boston wrote:

Very doubtful.  Why not call Credit Solutions and ask for a larger credit line?

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I've been trying and i get the denial every single time T_T

[Anonymous]

Thank you for the responses everyone!

[UncleB]

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@Anonymous wrote:

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@Brian_Earl_Spilner wrote:

Mine is currently negative after a payment and refund so I could technically charge over my limit. 😬

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i used to work for synchrony and they do not let you charge over your limit. let's say you have a $20 credit and a $200 limit, they will not approve a purchase for $220. i have seen many card users angrily try and fail. synchrony will not approve a transaction over your credit limit even if it's by a dollar. you'll just have to eat up the credit with purchases or they'll send you a refund check. 

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FWIW regarding credit balances Capital One is the same. 

Until a transaction fully posts the available credit acts like the credit balance is not even there.  I found this out a few years ago when I accidentally made the same payment twice. 

I can definitely see how this would confuse people.

[ChazzieT]

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@Anonymous wrote:

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@K-in-Boston wrote:

Very doubtful.  Why not call Credit Solutions and ask for a larger credit line?

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I've been trying and i get the denial every single time T_T

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Let's test something:

Call Synchrony Credit Solutions: 877-379-8173 (Overseas) from the "backdoor numbers" thread.

Tell them that you are considering a purchase, what it is (if it's a rolex sub-mariner, tell them it's a watch, not the specific brand/model of the watch) and give them the exact price of the item.

Round that price up to the nearest $100 and ask them to increase your credit limit to that amount, so you'll be ready to go when you decide to make the purchase.

I was stuck at $10k for several months and did this and they bumped me up to $18.3k.

Additional DP:

-2 Synch cards

-No significant change in my file since the previous month's auto denial

-Card Balance was zero for every attempt (failed or successful)

-Average spend was $500/month for the last 10 months

-Had had the card for less than 1year when CLI was approved

-Total synch exposure before $30k

-Total synch exposure after $38.3k

-Rest of my info is in my siggy

[ChazzieT]

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@Anonymous wrote:

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@K-in-Boston wrote:

Very doubtful.  Why not call Credit Solutions and ask for a larger credit line?

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I've been trying and i get the denial every single time T_T

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@Anonymous Did you ever get this CLI?