Belk Credit card account closed

[Anonymous]

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@UncleB wrote:

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@Creditaddict wrote:
Synchrony doesn't know what they will do!!

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LOL... maybe not, but if the OP applies for an account on the website or in a store, I'm fairly sure Synchrony will do something! 

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Well said..

[Creditaddict]

That's why I would say just apply if the lates are not on the credit report.
Calling sync will be a waste

[UncleB]

Looks like somebody has answered the question,  at least in regards to having to wait 12 months...

FYI on Closing Synchrony CC

I have heard this from others as well, so while this link is not specific to Belk, I can't see it not being applicable.  It would just be too tempting to close a card and immediatly reopen it just for the one-day 20% off a large purchase.

[CreditUnionFan]

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@Creditaddict wrote:

did the lates report to credit or just internally late and your credit score is still decent?

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When applying with the lender, internal records can be used in addition to the bureaus, and the issuer can consider a single payment so much as one day late as justification for denial . The only advantage of internal-only reporting is that other lenders aren't aware.