A little bit of Synchrony history: I had way too many cards with them last year, I will admit: 12 cards total, at my highest. I was working very hard to rebuild, and got too carried away in too short of a period. I got the now-infamous blue envelope right after I started getting approved for their majors (Marvel, Stash, and PP MC). I subsequently closed all of my accounts, and severed all ties with them. I also recognized that there were a few cards that I really valued, and if given the opportunity, I would open just a few with Synch and do so over an extended period of time, and no weekly calls to Credit Solutions for CLI!
Anyway, the cards I wanted were Care Credit (my old CC account I had had for 12 years and I LOVE the 0% financing for up to 2 yrs), Amazon, Gap, and Walmart. I achieved the 1st 3 in the span of almost a year, spreading out my applications, and just added Walmart MC this morning. I had a regular Walmart store card with them before the blue envelope, and the CL had gotten up to $7K. I tried back in January of this year to get approved again, and I was denied for an odd reason: "Too many accounts" was literally all the denial said. Did that mean too many NEW accounts? Too many accounts with Synch? I wasn't sure, and didn't bother to inquire further. I gave it a shot again this morning, as I am looking to purchase a new mountain bike and the statement credit would come in handy.
TU score as of this morning: 697, no new inquires in the last 4 months (overall though TU has inquiries in the high 20s). Last account opened with Synchrony was Dec '16.
I won't push Synchrony any further. I am very happy with what I have!
Started rebuilding 8/2015. Current Fico 8 Scores 9/17: TU FICO: 698 (from 646 3/15/16) | EX FICO: 689 (from 617 3/15/16) | EQ FICO: 670 (from 614 3/15/16). Discover Miles: $10K | Amex PRG | Amex BCE $2K | Amex SPG $2K | Citi Aadvantage $7K | JetBlue Plus MC $3.9K | Walmart MC $3.5K | Marvel MC $5K | NFCU CashRewards $15K | CareCredit $12K | PenFed Amex $9K | USAA Limitless Visa Sig $6K | NFCU goRewards $20K | NFCU Amex $10.4K | NavCheck $13.5K | Blispay $4K | QS $9.5K | Pier 1 $21.1K | RH $20.7K | JCrew $16.8K | Wayfair $4.9K | Pottery Barn $19.5K | Discover IT $4.1K | Nord. Visa Sig $22K | USAA Visa Plat $2.5K | Neiman Marcus $6.4k | Amex Delta Reserve $1k | Saks $15K | VS $2.2K | Target $1K | Macy's $25K | Bloomies Amex $25K| West Elm $12.4K | PP Credit (Comenity) $4.4K
. Congrats on getting your Wally back but the better version. What limit did thry give to start with? Thanks and enjoy
