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Praise and Love from Synchrony and Discover today!


RichDash
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The last post in this topic was posted 2872 days ago. 

 

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So, I am trying to get a mortgage and I have two cards reporting. Discover and Sync/lowes.

 

I call discover knowing that I can probably get some help. I simply say I am applying for a mortgage and is there any way they can help me by reporting the current balance. She says of course, I would love to help you! Congrats! I thank her and she helps me.

 

Sync - I call and expect nothing because I am in the 17k lowes / 6k Walmart club. I start by asking for a lowes CLI to 25k. Boom no problem. Thanks! Can I get the same on walmart? 10 minutes later, BOOM No problem! Now i just got some major store card love which may mean nothing much but I sure do appreciate it and love to see two 25k limits.

Now to get those last 7 points on my Fico 4...

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I may be mistaken, but I think the limit to ask for is $35,000, not $25,000.

Also, depending on when you're getting your mortgage, it may be a good idea to get a third credit card. The score drop for new credit could be offset by hitting three cards, and a single new card isn't necessarily suspect to an underwriter.

 

EDIT: I misread your post. Part of this does not apply to you. I have left it available for others who may come across this thread.

Edited by illusemycreditcard
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I may be mistaken, but I think the limit to ask for is $35,000, not $25,000.

 

Also, depending on when you're getting your mortgage, it may be a good idea to get a third credit card. The score drop for new credit could be offset by hitting three cards, and a single new card isn't necessarily suspect to an underwriter.

 

EDIT: I misread your post. Part of this does not apply to you. I have left it available for others who may come across this thread.

 

I read it that way at first, also ;)

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I too want to CLI my Lowe's, Amazon and Walmart, but I don't have enough time with them yet, like a month each. I use all 3 cards at least once a week and then PIF as soon as the online account will show a balance owing, typically 2-3 days after the purchase. Assuming I continue doing what I'm doing in regards to buying and paying, what do you suppose the timeline should be before I hit me up for a CLI? FYI, I do have 2 baddies still reporting, but 1 falls off next month and the other in June.

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So, I am trying to get a mortgage and I have two cards reporting. Discover and Sync/lowes.

 

I call discover knowing that I can probably get some help. I simply say I am applying for a mortgage and is there any way they can help me by reporting the current balance. She says of course, I would love to help you! Congrats! I thank her and she helps me.

 

Sync - I call and expect nothing because I am in the 17k lowes / 6k Walmart club. I start by asking for a lowes CLI to 25k. Boom no problem. Thanks! Can I get the same on walmart? 10 minutes later, BOOM No problem! Now i just got some major store card love which may mean nothing much but I sure do appreciate it and love to see two 25k limits.

Now to get those last 7 points on my Fico 4...

 

And congrats to you RichDash.

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I was in the 17/6 club for a while. Almost a year, I tried util, use etc... My profile aged a touch and they seemed to like that a lot. It may be a year wait for some of us. Also luv button and chat were useless! They just both kept saying this is the max limit for this product. The 25k wally limit did shock me, I expected like 10-15k. My only remaining synch product is the only useful one, the Sams Master. I'm at $8500 with it currently but will be calling for CLI soon. I'll wait till a day that I need a smile. I use that card rather heavy quite often for any food and lots of gas. It will remain my normal food card till the new costco citi arrives.

 

For data... Changes were

Scores up due to age

Near zero util (Sub $300 reporting on just over 100k credit total)

six figure income with nice raise in pay this year (no verification requested)

Mid 700's across the board fico 8

12 accounts ages a year

6 accounts just under a year

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I too want to CLI my Lowe's, Amazon and Walmart, but I don't have enough time with them yet, like a month each. I use all 3 cards at least once a week and then PIF as soon as the online account will show a balance owing, typically 2-3 days after the purchase. Assuming I continue doing what I'm doing in regards to buying and paying, what do you suppose the timeline should be before I hit me up for a CLI? FYI, I do have 2 baddies still reporting, but 1 falls off next month and the other in June.

 

Hi Who,

 

You don't have to wait. I got a Lowes card about 3 months ago. The day I found I was approved called in requested a $50K limit.

 

The CLI was denied but was given $35K!

 

Told to work with this for a few months and then call back for $50K.

 

Go ahead and request $50K and see what happens?

 

How are your scores? Any baddies on your report that would be major concerns?

 

Good Luck!

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  • 2 weeks later...

Sync Gave me some Sams Master love... for data CLI to 25k today. I will ask for 35k at some point soon but I am nearing my max with Sync between the lowes,walmart and sams at 25k each. I believe I can have one more credit line at that limit and i will max from what I remember. Will test the theory after mortgage...

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