A follow-up request may result in an affirmative response, especially a first instance, unless they've become even more fee thirsty in recent months. It's the only issuer in roster that has a product (AKC Visa) without auto-pay and have had a couple late pays on AKC in recent years. Placed courtesy waiver call and finally initiated an auto push pay, which I don't prefer. In any case, as others have stated, it's not reportable prior to 30 days. It may or may not have a temporary impact on CLI results, if they use an internal repayment score, it got dinged. ... View more

@Anonymous wrote: They did not HP for me the upgrade to visa. I logged on my account yesterday and noticed they had given me another auto CLI of $5k. That's $10k in auto CLIs in about 9 months bringing my total limit to $13.5k, and before that most of the time I couldn't even get one when I requested one and I've had the card since 2014. That made this card my highest CL by a long shot...too bad the APR is so high with them! Sounds like you didn't make an APRD request at upgrade? Go ahead and call back to place that request, and again every 4 months or so until attaining tier 1 rate. ... View more

@Anonymous wrote: Never mind, I found a forum, it's just a APR promotion, which was suppose to be 0% but come to find out it's as low as 0%. It's ok I'm still happy with 15.99% and I heard they do decreases as well. IME they'll HP for APRD requests and eligibility appears to be based almost exclusively on scoring, last time I checked (a few years ago) something like 780 to qualify for the lowest rate, a bit over the top for a bland CU card.   ... View more

Still a HTL up until now, as previously posted. ... View more

Yes relationship is considered, the type of relationship (full vs partial) is typically more determinative with USAA. ... View more

Close Marvel and keep Wally, that I don't get.  ... View more

Nearly just let it go, looking to be INQ free--still have a handful on all three, such a dumb reason to allow HP...sigh but it's close enough to AAoA, only around 5k below avg CL, provides diversity...just enough to needle into doing it since the INQ won't matter much, a bit irksome nonetheless.   This experience is on par with other reports of encounters w USBs rather antiquated system, they need to get themselves sorted!😁 ... View more

@Anonymous wrote: Wait what? They closed your account because something got returned via usps? According to USB after a few calls and escalations to get past frontline csr who were not that helpful. With the exception of the Quack card have nary an account closed by issuer even during the credit crunch, no change in nose bleed scores or clean reports, etc.   At least Synch reportedly sends a letter at some point. USB didn't give any notification there was a problem, or that the account had been closed which was actually a couple of months ago, looking a bit more closely at the time line.   Am not nearly as OCD with monitoring cbr as in early building, with an oldest account almost 30 and AAoA >10, still pull routinely and am vigilant but thankfully not much to fret about now, seriously USB?   To be fair, haven't really had any other problems to speak of with them and received CLI routinely on this account as recently as this past summer.   ... View more

CreditCuriousity wrote: Musiclover wrote: I think baller answered that above. 50k for credit cards and 25k for PLOC Hope that helps. This is correct.   Yes it is, AFAIK ... View more

@Anonymous wrote: I now have roughly $110k exposure with synchrony, and well, my care credit account has been closed and is reporting on my Credit Reports as closed due to non-use. LOL... I wish I remembered to use the card, well actually I don't, as I don't carry any balances on my synchrony accounts because of account closurer threads over the past two years. Just thought I would share, and I don't anticipate any "blue letter" any time soon. That may be the reason for the closure but it reports account 'closed by credit grantor', a notation, such as non use, is not reported. ... View more

A full 6 point redux to the lowest available on cash rewards, very nice...took me a couple of tries 1-2 points at a time to get to 7.24 (the lowest available at the time) from 10.xx, on the Platinum. ... View more

@peghede wrote: What's the max exposure with Comenity ,is 164k on 9 cc  to much? how many accounts is safe to have with them,are they like Synchrony (R.I.P) 100k and lexus nexus bs? With respect to diversity, and considering it's with a so-so issuer with avg product/ propensity for AA in response to overdeveloped profiles, yes. ... View more

@Anonymous wrote: I just got my new care credit card too. Not too excited about the look. I'm not clear about how it's exactly better besides being accepted at more places.  It's basically marketing language, they added RiteAid to the mix several months ago but new or old cards can be used there, in any case. ... View more

Cool! The new card has an improved appearance, which IME is often not the case with product updates. ... View more

@Anonymous wrote: Received in the mail today . looks very neat. metalic look. and this new card covers prescription and wellness products and over the counter medications, Beauty products and more ! Essentially anything sold at RiteAid where it is now accepted since the end of last year, no new card here yet.   https://www.carecredit.com/doctor-locator/results/Retail-Pharmacy-Any-Specialty/?Profession=115 ... View more

@dragontears wrote: I don't think US bank has ever offered guaranteed SP customer initiated cli, when ever I have called for a cli they say it could be a HP or a SP and neither a csr or a supervisor can see which it is going to be. But as others have said 9-10 months seems to be the magic number for a auto cli They were never guaranteed, requests up to 1.5k at 6 month intervals for established (not <9-12 months old) accounts are SP if eligible, requests >1.5k generally result in HP.   Relying on US Bank frontline csr f/b on the topic is a fruitless endeavor, they simply don't know with certainty how a request will be handled by U/W. There are not ever any guarantees with CLIs, in any case, I'd sooner hang up and try again later than wait on hold for over an hour. ... View more

@Anonymous wrote: Last week, I was trying to use an Über and received a message my card was declined. I have 15k cl on my Ebates Platinum Visa and pay balance off monthly  i called verify identity and everything ok. Later that day notice that other 3 Sync accounts restricts access to online. Call on my SAMs Club told to expect a letter. Receive letter today on my 4 Accts with Sync Bank. They asking for IRS form 4506T-EZ -EZ for tax years 2014 and 2015. Letter says info requested will be provided to Sync Bank. I was about to sign and send them and saw the info was not to go to Sync Bank but to Lexis-Nexis a company that mines and disimenates consumer data. Im concerned that once Lexis-Nexis gets my 2014 and 2015 taxes they will forever be in the Public Domain. As a Financial Instiution, Sync, has a Fiduciary Duty to protect its clients and is under the Regulations of its Charter. Im upset they state in their letter they Synchrony are the 3rd Party receiver of the Information but on the small print form that is prepopulated  They tell the IRS to send my tax info to Lexis-Nexis. I cannot agree to this as my tax returns will be forever public. I owe less than $1000.00 in $50,000.00 in limits or just 2 percent as what all financial advisers state is what's needed to have an Excellant Credit Rating which is 750 on Fico at the TransUnion Credit Bureaus. I have maintained very good credit since moving to the US in 2009. What recourse do I have if I refuse to this demand? And anyone know who Synchrony regulator is? State or Federal Charter? Which State? If you don't wish to comply which is understandable, they will close the accounts.   PIF and close them first if want to avoid the "closed by grantor" notation appearing on cbr for all of the accounts in question. ... View more

@Anonymous wrote: @UncleB wrote: Since I use my Sam's Club MasterCard nearly everyday, for a couple of weeks or so I was checking it each morning.   So far everything is fine, though, and I've finally come to the point where I no longer check it... if I try to use it and there's an issue, I'll use my PRG then come home and sort it out.    At least for me, there's nothing I can do at this point to control what happens one way or another.  I got my 'big' CLIs just before all the Synchrony issues started, so my hope is that if I was on the radar they would have done something by now.  I know that's just wishful thinking, and in reality anything can happen at any time, but my initial concern is starting to atrophy.    I would still caution people not to have a fast run-up of multiple new Synchrony accounts, though... while that might not have been the primary factor in each and every case, it seemed to be in many of them.  I agree! Yes...as an add-on, this includes refraining from multiple/ rapid fire CLI requests for the time being as well. ... View more

@Anonymous wrote: At least you know the freeze is working properly. :D ... View more

What a pain didn't have to unlock for the Walmart TU.     "We are unable to access your FICO® Score information at the Credit Bureau If you have placed a security freeze or lock on your credit report at the Credit Bureau, you must remove it before we can access your FICO® Score information and display it on the site..." ... View more

@Anonymous wrote: I started out at $450, and in less than 12 months it's at $5,000 on a student's income. If I can do that with low income, people who actually work full time will get a lot more. It depends on how they view a profile, your 10x increase in 12 months is not necessarily par for the course, regardless of income...had the account for 7-8 years it took that long to get from (3>5k) with avg CLs in the 30-40s. ... View more

@Imperfectfuture wrote: @Anonymous wrote: Varies from bank to bank.  Some lenders (Discover, Capital One) do it generally with a soft pull.  Some lenders (Barclay) say it needs to be a HP but others have found back-door ways to get SP.  Others yet (BoA, Citi) I have heard are HP every single time, no exceptions.  Which is funny, they say it's "the law".  Which is why I'll wait until my credit is better before I even start with them.  Need to get as much possible going in, as attaboys are not available.   Sounds like your CU is like group #3, it just is what it is.  Good luck! Once in with Citi, sp cli available every six months.  Your mileage will vary with BOA, call in for offers.  ;) Quite often but can vary...they may deny or HP depending on a variety of factors, objections to too many new accounts is something they can be sensitive about with certain profiles, for e.g. ... View more

The majority of CU require HP for CLI.   To maximize bang for your buck aim high (whether that's 10k, 25k, what have you, so as not to leave anything on the table this time around) if you go through with a request.   Writing them is unlikely to change their policy in this instance, if requesting credit they have permissible purpose, at least they gave a heads up. ... View more

@Anonymous wrote: @Anonymous wrote: @Anonymous wrote: @Anonymous wrote:       If those who have been locked out could please share that information, it may be very helpful as we are collecting data that may help someone. Thank you. Well, it's your time to spend, but:   Do you REALLY think you have any realistic expectation of finding out any actual pattern, putting aside whether anything you find could be actionable (too late to go back and not apply for some cards for example, and future sweeps by the bank may use other parameters)?       Sicne quite a few of us have been trying to get info on this, thanks but I think we'll keep trying to do so to help others as best we can. :) Right, but I am also trying to perform a service by pointing out the endeavor is doomed....    I've been involved with several such pattern finding attempts on FT (5x TYP shutdowns, Amex OBC, Serve, Bluebird) and in the end, it is way too noisy with the limited data to be successful.   So it may be good to try to help, but don't confuse it with actually helping. +1000 ... View more

@ohreally7654 wrote: Quick update for those who’ve been following the many freezes of Synchrony. I’ve tried multiple times to attempt to get a return phone call from someone in Synchrony to discuss alternatives to this 4506-T nonsense, but to no avail. I have gone back and forth as to the best way to handle this, not wanting to react out of anger (though trust me, I am plenty angry, not only for myself, but the thousands of others, as well, who’ve dealt with similar issues).    I submitted a lengthy letter (what I’ve posted below is just the abbreviated version-sorry in advance, it's still a lot to read) to Synchrony yesterday, along with the 4506-T crossed out in ink and a copy of my W2s from last year as sufficient proof of income. A copy of the letter will also be emailed to the EO, as well.  At this point, I could not care less as to whether the remaining 2 accounts are left open or not.  If they choose to close them, however, that will be the end of our ‘relationship’, till the end of time! I’ll keep the community posted as to what response I ultimately receive.   To Whom It May Concern:   I am submitting this letter in response to a request for a 4506-T that was sent to me in July 2016.  I have composed this letter for a few reasons: firstly, to express my sincere displeasure and disappointment at the manner in which my accounts and I, as a long-time customer, have been handled.  Secondly, I am providing an explanation as to why I will not be executing the 4506-T; in lieu, I have provided W-2s and 1099 for 2015, which should be more than sufficient to demonstrate my income and means to fulfill my credit obligations to Synchrony Financial.   By the time that this letter is received by Synchrony, I will have closed all but 2 of my 12 accounts (the oldest of which is 12 years old) All accounts are paid in full and showing a zero balance.  At this point, my biggest interest is in minimizing the exposure that I have with Synchrony Bank, given this most recent sequence of events.  The freezing of my accounts began last month, the same day I initiated an online request to add my mother as an authorized used on my Walmart card.  Within a few hours, every single account had been frozen and restricted from online access.  It’s no secret that this is being done to tens of thousands of Synchrony Financial customers, I’m assuming in reaction to the rise of charge-offs that Synchrony declared in a recent financial report.    In your bank’s attempt to regain investor confidence, I feel that Synchrony has placed far too much trust in so-called predictive algorithms that detect potential red flags, and have lost sight of the fact that there are real humans at the receiving end of these massive freezes.  Yes, there are banks who may, at some point, require proof of income when reaching a certain threshold (American Express for example), but it is never done in such a way that is ‘retroactive’, so to speak.  In other words, they give the customer the option, if they are requesting a certain credit limit increase, to either submit income verification, or they can simply decline the increase.  To have all accounts frozen when simply adding an authorized user, and then threatening to close all accounts for non-compliance if an executed 4506-T is not received within 30 days, I will simply say that this is a bank with which I have very little interest in doing business.    I requested, on three separate occasions, a call back from someone in the appropriate department so that I may discuss alternatives to 4506-T and I still have yet to receive a call.  I expressed multiple concerns to several different people within the fraud department, and firstly, almost every single one of them had no idea even what a 4506-T WAS! You instruct your customers to call the fraud department with questions on their 4506-T request, and yet, as a bank, Synchrony completely fails to arm their representatives with the basic knowledge to even handle the calls. Additionally, I went on to state to a few different individuals I talked with, that I do not at all feel comfortable releasing personal tax information to Lexis Nexis.  It is one thing for the information to go directly to Synchrony; it is a completely different scenario altogether for that information to be sent to a 3rd party that is known for their multiple FCRA violations and for incorrectly reporting that information to numerous ‘hidden’ CRAs and 3rd party data collectors.   In talking with individuals in your fraud department, I expressed the fact that I filed an extension for 2015, to which they indicated Synchrony would also request 2014 returns.  As a financial institution who assumedly has interest in ensuring that they are receiving an accurate financial picture of a Borrower’s ability to repay, how does it make sense to rely upon information that is 2 ½ years old? My income has nearly doubled since that time. Again, I explained this, and emphasized that I really needed to hear back from someone at Synchrony who could address my concerns and options, and again, no phone call was ever received.   I have enclosed my W2s and 1099 from 2015 as proof of income. This is the last opportunity I will be extending to salvage this business relationship.  If the business decision is made to close the remaining two accounts, as a consumer I will be forced to make the business decision to no longer do business with Synchrony in the future.  There are so many ways that this could have been handled that would both appease your investors and maintain current relationships/customers.  I am extremely disappointed in the fact that I am even having to write a letter such as this; it is the first time in all of my years of managing credit, and I sincerely hope that it is the last. I will be sending a copy of this correspondence to your Executive Office, as well, with the hope that someone might recognize the disservice that has been done to their customers as well as the potential future impact that this might have on any future relationships.  News of this has traveled rapidly throughout the internet and credit forums; my assumption is that your office is already flooded with letters similar to my own. Unfortunately, they're clearly not that interested in 'salvaging a business relationship' with individual card holders, rather maintaining their bottom line and reeling in exposure from a segment of card holders, which they've identified as expendable...unfortunately, even a well-conceived appeal like this is unlikely to register as a blip on their radar, or even elicit a personalized response. In any case, hope your review goes through to maintain any accounts you wish to keep, or you move on to other options that are preferable.   ... View more

@Anonymous wrote: @score_building wrote: @ddemari wrote: I have received this message several times upon log in with Synch bank cards. It finally stopped doing that, even though there was never a problem with the email address.  Ayep. Much ado about nothing, again. Sigh. Maybe it's time to take a break from posting in humu's threads unless you have something constructive to say.  Your post doesn't add anything to the thread. The issue is a routine one with synch, just concurred with another post perhaps diffusing in general unwarranted concern with Synch; ime, when there is a spike in the number of recent reports of AA of this or that issuer, it can at times have a polarizing effect and even a sort of fear mongering on the less experienced reading here.   Neither quoted nor specially noted OP at time of post, so seems a bit odd. In any case, happy to move on from this thread and regret any confusion that I caused. ... View more

As you know, they have a reputation as one of the more consistently conservative, any roll with FNBO seems destined to be quashed, whether or not they have this specific rule. Grats on the current yield, in any case. ... View more

@ddemari wrote: I have received this message several times upon log in with Synch bank cards. It finally stopped doing that, even though there was never a problem with the email address.  Ayep. Much ado about nothing, again. Sigh. ... View more

Keep in mind this is a moment in time and you can short circuit a balance chase by paying down aggressively, keeping util low, maximizing scores, etc., should you wish to hang in there with this lender.    If you only have one personal card, strongly consider diversifying going forward, it helps minimize impact if things go south with any one lender. ... View more