"Synchrony Will Refuse Every CLI You Request Regardless Of Your Credit Rating"
Lowe's Advantage Card Review
Written by: swm111 on 2016-07-28
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swm111's review: 
I've had this card for 2 years. Initial limit was $300. After 6 months of small projects & parts and an excellent payment history I needed a new Washer & Dryer. I called CS and asked for aa CLI, explained why I needed it and was given a measly $500 for a total of $800. I wanted to take advantage of 12 months interest free and the pair I had chosen were on sale and I was ready to go ahead and buy... The CLI ended that thought and made me rethink my relationship with Lowe's. Home Depot had no Problem with a CLI of $10,000 so guess where the new washer and dryer came from? And I received the 12 month no interest with Home Depot as well.
I've had this card for 2 years. Initial limit was $300. After 6 months of small projects & parts and an excellent payment history I needed a new Washer & Dryer. I called CS and asked for aa CLI, explained why I needed it and was given a measly $500 for a total of $800. I wanted to take advantage of 12 months interest free and the pair I had chosen were on sale and I was ready to go ahead and buy... The CLI ended that thought and made me rethink my relationship with Lowe's. Home Depot had no Problem with a CLI of $10,000 so guess where the new washer and dryer came from? And I received the 12 month no interest with Home Depot as well.
4 Comments
Comment 1 by wanderer
Re: Synchrony Will Refuse Every CLI You Request Regardless Of Your Credit Rating 
on 2016-07-29
Congrats on your Home Depot Card! The bank you have found unresponsive on credit line increases has been on a tear. They have been demanding that select card holders give them access to their IRS records to determine their income (verification). Seems in reading other Blogs that the bank is concerned about stated incomes and people that open too many new cards in a short time. While this does not solve your CLI needs it gives you a little insight on the bank of late.
on 2016-07-29 Congrats on your Home Depot Card! The bank you have found unresponsive on credit line increases has been on a tear. They have been demanding that select card holders give them access to their IRS records to determine their income (verification). Seems in reading other Blogs that the bank is concerned about stated incomes and people that open too many new cards in a short time. While this does not solve your CLI needs it gives you a little insight on the bank of late.
Comment 2 by breakinger
Re: Synchrony Will Refuse Every CLI You Request Regardless Of Your Credit Rating on 2016-07-30
I love my Home Depot card. I had a Lowe's card a long time ago and I paid that off as soon as I could and cancelled it out. It just wasn't working for me either. I have a few other accounts that use Synchrony bank and I've noticed that they aren't as lenient as other institutions. It's nice to know why that is now.
on 2016-07-30 I love my Home Depot card. I had a Lowe's card a long time ago and I paid that off as soon as I could and cancelled it out. It just wasn't working for me either. I have a few other accounts that use Synchrony bank and I've noticed that they aren't as lenient as other institutions. It's nice to know why that is now.
Comment 3 by bc8787
Re: Synchrony Will Refuse Every CLI You Request Regardless Of Your Credit Rating on 2016-08-08
Now that i think about this i have quite a few cards with them (wal mart, rooms to go, american eagle) and they have all came back and said on every card "your request is above your credit limit policy" for every card i have asked for a CLI on. They used to be great at CLI but looks like they have tightened up.
on 2016-08-08 Now that i think about this i have quite a few cards with them (wal mart, rooms to go, american eagle) and they have all came back and said on every card "your request is above your credit limit policy" for every card i have asked for a CLI on. They used to be great at CLI but looks like they have tightened up.
Comment 4 by bc8787
Re: Synchrony Will Refuse Every CLI You Request Regardless Of Your Credit Rating on 2016-08-08
OUR* credit limit policy see above
on 2016-08-08 OUR* credit limit policy see above
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Disclaimer: This content is not provided by Synchrony Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Synchrony Bank. Review content is powered by Finance Globe.
