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Walmart account CL reduced from $1200 to $850. I was planning on paying off my account when I receive my tax return in early February. Do you think they will close my account once I have it paid off?
Probably balance chasing you, how much do you currently owe on the card and what have your recent payments been like?
Did you miss any payments with Synchrony recently (even if just a day or two) or have a payment to them be rejected by your bank?
Do you have high utilization on any other credit cards from other banks?
It's so odd how some banks love ya, and others hate ya.
For me, Syncrony shows me love.
Cap 1 & BOA absolutely hate me!! Great scores & low balances & they denied me every time. No rhyme or reason to it cuz I've seen others in a worse spot financially...instant approval.
If you can get into a good Credit Union...that's where the LOVE is!
When I read these types of issues, I rethink whether I should finally go a head and close my Walmart/Synchrony card sometime soon. I barely use my card due to its very low CL and I prefer to use other CCs with similar cashback at Walmart. I don't know the reasons to issue a card with sub-1k CL and whether such CC would be useful for a customer.
I won't lie...things have been tight since the summer so I am a "slow pay." Utilization is high, as well. Been hunkering down & waiting for the tax return hoping to pay off some balances before those type of letters came. I currently have Walmart, Amazon, Chevron & TJX Rewards with Synchrony. All are pretty high with the exception of the last. Sounds like if they do close me out I am not missing out on much based on what I have read here so far. Not to sound flip about having an account closed by a creditor but I have better cards that I can rely on now.