"Great Credit Builder"
Walmart® Credit Card Review
Written by: gerardo1tamayo on 2016-05-16
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
gerardo1tamayo's review: 
I was instantly approved by Synchrony's Walmart credit card with only a one month History. I was given a low $400 credit limit. A month after I asked for an increase online and my line of credit was raised to $700. I did some research and came to the understanding that if you call the number of the back of your credit card and talk do a customer service representative you will get a higher credit limit, which is true. I called and the customer service asked me how much I wanted and I blurted out $2000 dollars and she said "ok, let me see if we can get you approved for $2000" then she said... "congratulations, your new credit limit is $2000 dollars and it is available to use immediately". I think I should have said a much higher number but, may be next time. My advise... call and ask for a credit line increase and aim high. Synchrony bank is a very good bank. So far I have been approved by 6 of their credit cards with less then 7 months history and all, right after my walmart card, have started out with more than $1000 dollar credit limit
I was instantly approved by Synchrony's Walmart credit card with only a one month History. I was given a low $400 credit limit. A month after I asked for an increase online and my line of credit was raised to $700. I did some research and came to the understanding that if you call the number of the back of your credit card and talk do a customer service representative you will get a higher credit limit, which is true. I called and the customer service asked me how much I wanted and I blurted out $2000 dollars and she said "ok, let me see if we can get you approved for $2000" then she said... "congratulations, your new credit limit is $2000 dollars and it is available to use immediately". I think I should have said a much higher number but, may be next time. My advise... call and ask for a credit line increase and aim high. Synchrony bank is a very good bank. So far I have been approved by 6 of their credit cards with less then 7 months history and all, right after my walmart card, have started out with more than $1000 dollar credit limit
3 Comments
Comment 1 by wanderer
Re: Great Credit Builder 
on 2016-05-17
Congrats! You have found a secret to their credit limit increases. Now in reading on other forums, that if this lender gets uneasy they will take action on too much risk exposure. Also, caution on loading up with store cards (if they are). Great review!
on 2016-05-17 Congrats! You have found a secret to their credit limit increases. Now in reading on other forums, that if this lender gets uneasy they will take action on too much risk exposure. Also, caution on loading up with store cards (if they are). Great review!
Comment 2 by breakinger
Re: Great Credit Builder on 2016-05-17
Very informative review! I have two cards with Synchrony Bank and they have been really good to me so far. As wanderer said, just be cautious of taking on too many store cards; they have such high interest rates which make them really hard to pay off. Other than that, thanks for letting us know how to get a credit line increase with this company.
on 2016-05-17 Very informative review! I have two cards with Synchrony Bank and they have been really good to me so far. As wanderer said, just be cautious of taking on too many store cards; they have such high interest rates which make them really hard to pay off. Other than that, thanks for letting us know how to get a credit line increase with this company.
Comment 3 by boobie1998
Re: Great Credit Builder on 2016-05-25
I agree...wonderful card...so looking forward to things down the road. Hoping they upgrade me to MasterCard...great rewards, one of my favorites...I have 2 other Synchrony cards and both are very useful to me...good luck!!
on 2016-05-25 I agree...wonderful card...so looking forward to things down the road. Hoping they upgrade me to MasterCard...great rewards, one of my favorites...I have 2 other Synchrony cards and both are very useful to me...good luck!!
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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.
