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1.9

I have had my credit limit lowered while not ever being late on my payment, and paying more than the minimum due. I was told because I am carrying higher percentage balances on my transunion report I’m considered a risk.

How about looking at the big picture. I’m never late on any payments on any of my accounts. And not showing any sign of late history. Just because in my slow time of year my balances go higher, I’m a risk?

Computer algorithms and not human evaluations are going to hurt the world of credit. I would understand if I started to show a pattern that would make it necessary to lower my availability of credit, like making just the minimum for months, or being late. I have never had credit lowered by any other creditor other than synchrony, despite credit score fluctuations. 99% payment history apparently is not good enough.

Word to the wise, use your other cards first before getting a synchrony account. My Amex and cap one are amazing!

Reason of review: Problems with payment.

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