Walmart CC $6000 max CL?

[EternalDebtSlayer]

My Walmart CC has a $6000 limit. I request a CLI via the luv button and was denied. I received the reason in the mail and it says:

 

 

 

SYNCHRONY BANK has recently reviewed your request to increase the credit line on your Walmart Credit Card Account.

 

We are not able to assign the credit line you requested because it exceeds the amount of increase our policy allows.

 

Your credit line as of the date of this letter is $6000.

 

If we may be of further assistance, please feel free to contact us.

 

The part about, "We are not able to assign the credit line you requested..." confuses me, because all I did was click the luv button and enter my income and I was denied instantly. I never requested a specific credit line, but the letter seems to indicate that I did.

 

If I called (or used the online chat feature) to request a CLI and told them I want a $100,000 credit line, this letter would make sense, but that's not what happened.

 

Did they change their policy recently or did I just have the wrong letter sent to me?

 

FWIW, I haven't used the card in 11 months.

[bigpoppa09]

MI need has been stuck at 6k for a while also

The luv button has never worked for me I always have to call for a Cli

[hdporter]

I get the same letter when I request a CLI on my Walmart that's been at $15k for a handful of years.

[TheVig]

My CL is 5k. Maybe I should call and get it it bumped to 6k, if that's Sync's new max for the card????

[Mickey Mouse]

I received the exact same response. My credit line is $6000.

[Kat58]

Data point... Just called Credit Solutions, for a $5k CLI on my $15k Wally (only Sync card). Answered usual questions, put on hold 5 minutes, CSR came back and asked me if I had any additional income... I said, no. He could only offer $500 more. My reported income, is $31k, so $15,500, is EXACTLY half my reported income. The fact that I have no mortgage/rent payment, made no difference. I have no doubts, I would have received an additional $5k, if my income were higher.

[ZeRo_C0oL]

Unless something just changed, $6k is not the max CL... I think I've seen people with the Walmart STORE CARD through Sync that have $30k or $35k CL's.

 

Even with the lowest interest rate, I have no idea what you'd realistically be buying to carry a balance on a card like that with that type of limit, but I'll take whatever they give me. I'm at $3k right now. Started at $500 in December.

[TheVig]

Data point... Just called Credit Solutions, for a $5k CLI on my $15k Wally (only Sync card). Answered usual questions, put on hold 5 minutes, CSR came back and asked me if I had any additional income... I said, no. He could only offer $500 more. My reported income, is $31k, so $15,500, is EXACTLY half my reported income. The fact that I have no mortgage/rent payment, made no difference. I have no doubts, I would have received an additional $5k, if my income were higher.

 

I need to call credit solutions today. My reported income is $49k. Clearly, I'm leaving money on the table.

[mendelssohn]

My Walmart store card is at $35K.

[TeeSharice]

Unless something just changed, $6k is not the max CL... I think I've seen people with the Walmart STORE CARD through Sync that have $30k or $35k CL's.

 

Even with the lowest interest rate, I have no idea what you'd realistically be buying to carry a balance on a card like that with that type of limit, but I'll take whatever they give me. I'm at $3k right now. Started at $500 in December.

 

Black Friday Period I spent over $1000. Between games for my kids, furnishing 2 daughters new apartments and Dyson for my mom ...

 

0% interest for 24 months. I'll have it paid off in 6 instead.

 

I had xmas club account cash that I was able to use elsewhere in the meantime

[racer-x]

I've been stuck at $6k for a year, with several CLI denials with them in that time. I'm over $100k income. I do have PP Xtra MC at 22.5 and Lowes at 17k tho.

And I've been at those limits for 6-12 mos as well. A few CLI denials along the way with those accts too.

 

I could be maxxed out with synch with my file.

Edited February 21, 2016 by racer-x

[ZeRo_C0oL]

 

Unless something just changed, $6k is not the max CL... I think I've seen people with the Walmart STORE CARD through Sync that have $30k or $35k CL's.

 

Even with the lowest interest rate, I have no idea what you'd realistically be buying to carry a balance on a card like that with that type of limit, but I'll take whatever they give me. I'm at $3k right now. Started at $500 in December.

 

Black Friday Period I spent over $1000. Between games for my kids, furnishing 2 daughters new apartments and Dyson for my mom ...

 

0% interest for 24 months. I'll have it paid off in 6 instead.

 

I had xmas club account cash that I was able to use elsewhere in the meantime

 

 

Fair enough. I didn't really mean that the way it sounded though... Carrying a balance, although not ideal, I understand. I get it. Carrying a $20k-30k balance on a store card though would be insane. What would anyone even buy to warrant that type of CL's? Again, I'll take it if I can get it (for util), but surely they don't expect anyone to use it all.

[parisamour]

I've been getting that same letter every time I try to get a CLI on my Lowe's store card. My Lowe's is at 25k and is less than 25% reported income.

[Kat58]

I've been getting that same letter every time I try to get a CLI on my Lowe's store card. My Lowe's is at 25k and is less than 25% reported income.

 

Is the Lowe's, your only Sync card?

[TampaDude]

I was stuck at $6K for a while, then recently got bumped to $10K via chat. The card has only gotten light usage since I opened it last year.

[impaladre63]

Just called and had my WM MC raised from $8k to $20k, was expecting a decline, but I got what I requested, calling works better for me

[Kat58]

Congrats!!!

[impaladre63]

Congrats!!!

Thanks Kat

[bigpoppa09]

 

Congrats!!!

Thanks Kat

 

Congrats calling works best for me to everytime i try Chat its denied lol.

[TampaDude]

 

 

Congrats!!!

Thanks Kat

 

Congrats calling works best for me to everytime i try Chat its denied lol.

 

 

I like to alternate call and chat. Seems to work okay for me.

[EternalDebtSlayer]

Like I said, it's been 11 months since I used the card, so I'm wondering if that had anything to do with the denial. Although the reasoning still seemed misleading.

 

I just used the CC to buy a $10 gift card online, so will request a CLI again after I pay that.

[Kat58]

Like I said, it's been 11 months since I used the card, so I'm wondering if that had anything to do with the denial. Although the reasoning still seemed misleading.

 

I just used the CC to buy a $10 gift card online, so will request a CLI again after I pay that.

 

Please call Credit Solutions... not the luv button!!!!!!!!!

[bigpoppa09]

 

Like I said, it's been 11 months since I used the card, so I'm wondering if that had anything to do with the denial. Although the reasoning still seemed misleading.

 

I just used the CC to buy a $10 gift card online, so will request a CLI again after I pay that.

 

Please call Credit Solutions... not the luv button!!!!!!!!!

 

The Luv button is a joke.

[astro777c]

Astro is also long been stuck in the mud with the Walmart store card at $6K and no joy on any try for going past it.

 

No matter though because other synchrony cards continue to grow and balloon plus those are Bankcards not store ones.

[JeffeVerde]

I was stuck at $6K for a while, then recently got bumped to $10K via chat. The card has only gotten light usage since I opened it last year.

 

+1 - I was stuck at $6k for about 6 months (and calling UW for a CLI monthly). Last month I finally had success and was bumped to $10k. Unfortunately, still no CLI love on my Lowes (stuck at $17k since last June)