Ashley Card

[Anonymous]

My transunion is just over 700 but my credit history is only about 9 months old. I'd like to apply but would hate to get a hard inquiriy just to be denied. Any thoughts on approval odds?

[Anonymous]

I have a Ashley Furniture card. They used to offer a Wells Fargo backed card and a Synchrony card..now it is just the Synchrony card.  I believe I had around a 680 when I got approved, I'm not sure about the short credit history.  The card in my experience has grown quickly from 1.5K to $5k in one year, and that is with never using the card.  Do you have any other Synchrony cards?

I would say it might be worth a shot if you have some furniture purchases coming up, they do offer a lot of great 0% financing deals.  

[907grown]

Just a data point, I recently applied for Sam's club card and Ashley, and was shocked that I was not instantly approved.
Reason being, Synchrony attempted to pull Experian for both apps. My credit Experian is frozen.

[907grown]

I was relying on them pulling transunion. Not sure if they are switching bureaus or if it's a fluke of some kind....

[fltireguy]

Ashley is Synchrony Financial, Sams is Synchrony Bank... just different divisions of Sync.
They have been known to pull Ex - spin the wheel of fortune, and see where it lands.. apparently yours landed on Ex