Credit Card Center Advertiser Disclosure

Reply
Regular Contributor
Posts: 132
Registered: ‎09-03-2014

Re: Synchrony approvals post-BK?

Just another update to my thread to report some post-BK Synchrony approvals. 6 months after discharge, we were approved for Amazon, JCP, and Lowe's.

Frequent Contributor
Posts: 448
Registered: ‎07-17-2013
0 Kudos

Re: Synchrony approvals post-BK?

Thank you very much for sharing!


CKA321 wrote:

Just another update to my thread to report some post-BK Synchrony approvals. 6 months after discharge, we were approved for Amazon, JCP, and Lowe's.


 

BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Regular Contributor
Posts: 132
Registered: ‎09-03-2014

Re: Synchrony approvals post-BK?

Add one more to the list - Walmart also approved me at 6 months post-dc with $1,100 limit.

Regular Contributor
Posts: 165
Registered: ‎06-19-2011
0 Kudos

Re: Synchrony approvals post-BK?

I had Amazon and Wal-Mart charge-offs in 2012 filed BK on the accounts in 2015 discharged 9 months ago and was approved for small 400 and 250 limits tonight.

CH 7 DIS (07/10/15)
TU-496 EQ-545 EX-518 (07/10/15)
(4/10/16) TU-634 EQ-612 EX--639

Cap 1 QS1 $2000 , Cap 1 QS1 $1300 ,Firestone $1200 , Cap 1 Sony Rewards $2750 , Discover IT student (secured) , 1000, Cap1 Spark $2000, Barclay's Apple $2000
Regular Contributor
Posts: 109
Registered: ‎12-04-2014
0 Kudos

Re: Synchrony approvals post-BK?

It took me a year after discharge to get a synchrony card. I have both Amazon and Walmart, $800 and $700 respectively. I didn't burn any credit cards in my BK7.



BK7 Discharge 1/13/15
Current FICO Scores (4/12/16): EQ 650; TU 651; EX 657
Total Credit: $19,960
IN THE GARDEN UNTIL AUGUST 2017!
Gardening start date: 8/11/16
New Contributor
Posts: 61
Registered: ‎08-08-2015
0 Kudos

Re: Synchrony approvals post-BK?

 I had 7 cards with bals (2 that were zero) for a total of 20k burned, so i've given up on them letting me back in anytime soon. For giggles (and a waisted HP), I tried for Walmart last month. I didn't get an instant denial, and when I got the response, it was only a denial for the BK, nothing else. I figure I'll try next year.

Ch7 Filed: 7/27/15  Discharged: 11/9/15   Last approval 11/02/16, Committed to the garden until 12/31/17!

Capital One QS - 10/15 - $18,500 | NFCU Cash Rewards - 7/16 - $16,100 | CareCredit- 11/16 - $7,000 | PayPal Credit - 5/13 - $5,073 | Sams Club - 6/16 - $5,000 | Amazon - 6/2016 - $3,500 | Walmart - 6/16 - $3,500 | Lane Bryant - 5/02 - $3,050 | VS - 3/04 - $3,040 | NY&CO - 3/04 - $3,010 | Torrid - 10/11 - $3,000 | Kohl's - 12/15 - $3,000 | Discover It - 10/16 - $2,600 | (SD)Overstock - 5/16 - $2,350 | (SD)Fullbeauty - 12/15 - $2,250 | (SD)Express - 12/15 - $2,250 | Target - 10/16 - $1,000 | (SD)Ulta - 10/16 - $900
Frequent Contributor
Posts: 448
Registered: ‎07-17-2013
0 Kudos

Re: Synchrony approvals post-BK?

It seems that one year is the safe mark to try if you previously burned them.
BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Frequent Contributor
Posts: 448
Registered: ‎07-17-2013
0 Kudos

Re: Synchrony approvals post-BK?

CKA321 What was your TU score when you got approved? I think that might be another factor for approval.
BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Regular Contributor
Posts: 131
Registered: ‎12-13-2015
0 Kudos

Re: Synchrony approvals post-BK?


CKA321 wrote:

So, for anyone who has been able to get approved after discharge, I ask:

 

1) Which card(s)? Amazon

 

2) How long after discharge? 2 yrs + (previously denied <12 mos, <18 months)

 

3) Did you include any Synchrony accounts in your BK7? Yes

 

Thanks in advance for any info! Not a problem, it's my duty to share with all that I've gain from the knowledge of other members!


Starting Score:low 600s
Current Score:670 to 685
Goal Score:740 to 770


Take the myFICO Fitness Challenge
Regular Contributor
Posts: 131
Registered: ‎12-13-2015
0 Kudos

Re: Synchrony approvals post-BK?


Shooting-For-800 wrote:

was approved first time i applied which was about 1 year.

 

amazon, lowes, wal-mart, paypal = around 10,000 total


I thought PayPal was Comenity Bank and not Synchrony.
Starting Score:low 600s
Current Score:670 to 685
Goal Score:740 to 770


Take the myFICO Fitness Challenge

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.