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HOW MANY GE CAPITAL/SYNCHRONY CARDS DO YOU HAVE? LIMIT?

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Anonymous
Not applicable

Re: HOW MANY GE CAPITAL/SYNCHRONY CARDS DO YOU HAVE? LIMIT?

I have 2 Walmart $4k & $3.5k and 2 Chevron cards@ $2k each

Message 111 of 117
Anonymous
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Re: HOW MANY GE CAPITAL/SYNCHRONY CARDS DO YOU HAVE? LIMIT?

Syncrony AcctsApp DateStarting LimitLast CLI DateCurrent LimitScore reportedBalance
JCPenneys Store12/4/2014$400.0010/5/15 CLI chat $900 to $10K$10,000.00 $0.00
Wal Mart Store12/4/2014$400.0010/5/15 CLI Chat $1200 to $6K$6,000.00 $0.00
Chevron/Texaco Visa2/23/2015$2,500.00CLI online 10/5/15$3,200.00 $0.00
Lowes Store Card3/2/2015$3,000.00Back Door CLI 3/10/2015 to $25K$25,000.00 $0.00
Paypal Extras MasterCard3/8/2015$3,000.007/10/2015 $3000 Auto CLI$6,250.00 $4,013.44
Amazon Prime Store Card3/9/2015$900.00Chat CLI $3500 to $6K 10/5/15$6,000.00 $5,310.03
Ebates Signature Visa3/9/2015$6,000.00Denied CLI 3/16/2015 & 10/3/15$6,000.00 $0.00
Care Credit6/2/2015$11,000.00Back Door CLI to 14K$14,000.00 $1,883.96
Rooms to Go6/18/2015$4,000.00In store CLI request denied 6/22/15$4,000.00 $1,844.00
Sam Ash6/26/2015$2,500.00 Syncrony 100K limit only 1,720 shy.$2,500.00 $105.59
Ashley Furniture7/4/2015$4,000.00 $4,000.00 $375.12
American Eagle9/25/2015$280.00 $280.00 $0.00
Banana Rep Visa10/12/2015$1,200.00 $1,200.00 $0.00
Old Navy Store10/12/2015$400.00 $400.00 $0.00
BP Visa12/30/2015$2,500.00 $2,500.00 $0.00
TJ Maxx10/23/2015$400.00 $400.00 $0.00
Sams Club Business Credit11/6/2015$937.00Online CLI 3/15/2016$1,950.00 $0.00
NewEgg3/4/2016$800.00 $800.00 $0.00
Musicians Friend4/22/2016$800.00 $800.00 $0.00
HH Gregg11/27/2015$3,000.00 $3,000.00 $0.00
       
       
       
       
       
Utilization      
Syncrony13.77% Total Syncrony T/L$98,280.00Balances$13,532.14
       
       

 

A little update! Current spreadsheet for my Syncrony accounts. 20 accounts, 98.28K in TL. %13 current utilization. I use the Amazon and Paypal cards religiously for business as Im a web entreprenuer. The rest is 0% promotional purchases we pay down using free money principles. Income 120K

Message 112 of 117
Viva-LV
Frequent Contributor

Re: HOW MANY GE CAPITAL/SYNCHRONY CARDS DO YOU HAVE? LIMIT?

Two: Chevron (gas) 3k; Marvel 10k. Under the radar!

Am Ex | BOA | Chase | Citi | Disc | PenFed | USB | 400K Club
Message 113 of 117
Anonymous
Not applicable

Re: HOW MANY GE CAPITAL/SYNCHRONY CARDS DO YOU HAVE? LIMIT?

5 - Raymour & Flanigan (5.5K), Amazon (1.5K), JCPenney (800), Lowes (8.6K) and HHGregg (1.5K)

Message 114 of 117
Anonymous
Not applicable

Re: HOW MANY GE CAPITAL/SYNCHRONY CARDS DO YOU HAVE? LIMIT?

1 care credit. My oldest card. My lowest limit..
Message 115 of 117
Anonymous
Not applicable

Re: HOW MANY GE CAPITAL/SYNCHRONY CARDS DO YOU HAVE? LIMIT?

3 for me
Walmart - $700
Amazon Prime - $800
Lowes - $300
Message 116 of 117
Anonymous
Not applicable

Re: HOW MANY GE CAPITAL/SYNCHRONY CARDS DO YOU HAVE? LIMIT?


@Emeraldautomotive wrote:

I expected that to happen. I am ok with it. I am looking for long term results not short term


I have the same strategy as you. Just different products lines. My goal: Get all the cards I can this year, all to keep long term except for the Credit One and 1st Premier (those are the rebuilders I started with) and just let them age. I'm at 19/24. 16 of those were opened in just 5 months. 0 new accounts for 10 years.  No credit history. All paid with debit card. I have all I need now. No more apps. All HPs will drop off by Sept 2018. FICO 8 in April, high 500's in all three, now EQ 677, TU 702, EX 726. So, regardless of all the HPs, credit is on the positive trend. Took multiple re-apps for the higher end cards, hence, the very high HPs.

 

Other credit factors carry more weight I've noticed.

1) Payment history: 35% (On time, no late payments)

2) Outstanding Debt (Util ratio, I think): 30% (Util ratio: 2%)

3) Length of Credit: 15% (19 mos, AAoA: 7 mos)

4) Pursuit if New Credit: 10% (All HPs since April, EX 51, TU 22, EQ 42)

5) Types of Credit: 10%. (17 credit cards, 1 installment loan, 1 retail card - Home Depot)

 

Back to your inquiry: GE Capital / Synchrony cards I have? 0

 

Have you tried any cards from AMEX, Chase, Discover or CapOne? I say, persevere if denied.  I tried it my way, and I am happy with the outcome. I believe retail cards are classified differently than credit cards. I'm not sure. They appear to be in different categories in EX credit report.

 

Good luck !!!

Message 117 of 117
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