Not sure if right area to post this...In Feb. of 2015 I purchased a new water softening system through Rain Soft for our nre home. Where I live the water is very HARD and you must have one of these. It was an installment plan, equal payments for 5 years at 7.9%...not too bad. The financing is through Synchrony. Turns out this is a revolving account with a credit card. I was surprised by that, because I do not need another softener. The unit was $5K and the limit on the card is $6K. So, of course all of this time the utilzation is high, since this is actually a revolving account. I have read all of the things about Synchrony on here and thought I understood their gig. My other accounts with them have the Luv button, and thanks to you all here, I use the button and they are good to me. For this account you must call in for CLI. So, I finally do, yep its India trying to sound American, and then again transferred to the Solutions group! She was efficeint and nice. I explained about the utilzation and she understood. "Not a problem", she said. "I just need to ask you a couple of questions and we will take care you." I felt nice and comfy, only 2 questions, my income and do I own the house.' Boom, $14K CLI came back. Ok, great so I will be under the 30% now. Thank you. Well, then today Bankrate sends me a TU alert for Synchrony. No alerts from MyFico, I have the 3B Ultimate product. I login to Credit Karma, sure enough, the inquiry is there...a hard pull! I am not happy! She did not say anything about that. Now a HP for no reason, what would be a SP with a Luv button. Uuuugghhh! So, anyway still no alert from MyFico. I guess I am mostly venting, but wanted to share.
