getting initial credit increase through synchrony

[Anonymous]

hello all, i just apped for walmart and amazon and was approved for both. walmart with a $300 limit and the amazon store card with a $600 limit. i'm pretty excited about the amazon card and glad i got a higher limit on it because i use amazon alot.


so my qustion is i plan on calling the backdoor numbers tomorrow for both and try to get higher limits. do i have a shot to get the increases and does anyone have a good backdoor number for both ?

[gatorlover]

Congrats on the approvals! I recently got approved for the Amazon Store Card via Synchrony at $1800 CL. I called the Credit Solutions number listed in the backdoor numbers thread:

http://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/td-p/408066

And said I wanted to make some large purchases at Amazon and they are my main online retailer, etc, asking for a CLI to $7000 and told them I would accept a counter-offer, and got bumped up to $3500. I'd say with Synchrony it's always worth giving it a shot and calling them up.

I also called for my Newegg card that has been open for ~2 months and got $800 -> $2000, and my Discount Tires card from ages ago from $400 -> $2000.

[fltireguy]

 Based on the scores in your siggy, I am honestly surprised that you got approved at all.

I would NOT poke the bear. First off, I seriously doubt that you wll get a CLI.

Also, you are just asking for an AA from Sync as well.. sit back, let the cards grow....

Congrats on your approvals

[Anonymous]

lol sorry those scores are from april! current scores for all 3 are 630's fico08.

[thummel]

630s is pushing it as it is. I wouldn't poke synchrony right now with everything that's been happening. I would just let it go for right now and give it some time.

[Anonymous]

---

@thummel wrote:
630s is pushing it as it is. I wouldn't poke synchrony right now with everything that's been happening. I would just let it go for right now and give it some time.

---

I disagree. Synchrony is primarly made up of store cards. Store cards do not require even medicore credit.  People in the upper 500's could probably get approved for the Walmart Store Card. The Amazon card is a great deal for those who frequent the website and are trying to rebuild their credit portfolio. 

Someone with scores of almost 640 could get a credit line increase on one of those cards with responsible usage. 

[elim]

Call this number every couple months and ask on both accounts. Start now...

Credit Solutions 877-379-8173

[thummel]

score isn't everything as I'm sure you know. Your entitled to your own opinion of course but the fact of the matter is, With everything that's been going on with synchrony lately that asking for an increase right off the bat might not be a good idea. There has also been quite a few people denied in the 630's that I have seen over the few years I have been on the forums. I'm just simply speaking what I have seen in the past.

[Anonymous]

Those people had over $100k in credit limits. He has $900. I doubt they will AA him.

[thummel]

Not every one of them had limits of 100K+ from synchrony. Just saying with everything going on it might not be the best idea. Don't want to start to get too off the topic at hand.