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How Many Synchrony Cards Is Too Many?

Valued Contributor

Re: How Many Synchrony Cards Is Too Many?

You give me hope pizza... thank you! Do you mind if I ask your stats at the time of your Care Credit approval?
Chase Freedom* Cap1 QS1* Cap1 QS1* Wal-Mart* Amazon* One Stop Plus* Avenue* Burke's Outlet* PayPal Credit* Fingerhut* Barclay Apple Rewards* Belk Rewards* Care Credit* Home Depot* Lowes
Message 11 of 39
Valued Contributor

Re: How Many Synchrony Cards Is Too Many?

Wow @codypendant! You also give me hope. I have 10 INQ'S on TU but only 3 recent. I have 100% on time payments but low AAoA.
Chase Freedom* Cap1 QS1* Cap1 QS1* Wal-Mart* Amazon* One Stop Plus* Avenue* Burke's Outlet* PayPal Credit* Fingerhut* Barclay Apple Rewards* Belk Rewards* Care Credit* Home Depot* Lowes
Message 12 of 39
Valued Contributor

Re: How Many Synchrony Cards Is Too Many?

Shoot high with your request; They will counter.

Starting Score: 8/17/2014 EQ 569 TU 531 EX 535
Current Score: 06/03/2015 EQ 691 TU 751 EX 740
Goal Score: 760+ across all three bureaus

Take the myFICO Fitness Challenge
Trying to stay in the garden!
Message 13 of 39
Super Contributor

Re: How Many Synchrony Cards Is Too Many?


codypendant wrote:

Shoot high with your request; They will counter.


+1

 

Message 14 of 39
Valued Contributor

Re: How Many Synchrony Cards Is Too Many?

Okay! Do you know if I app tonight if I will be able to use it tomorrow or will I have to wait? Also, what if I ask high on the app but that's a no go... will they counter what they'll approve me for?
Chase Freedom* Cap1 QS1* Cap1 QS1* Wal-Mart* Amazon* One Stop Plus* Avenue* Burke's Outlet* PayPal Credit* Fingerhut* Barclay Apple Rewards* Belk Rewards* Care Credit* Home Depot* Lowes
Message 15 of 39
Valued Contributor

Re: How Many Synchrony Cards Is Too Many?

My AAoA is the minimum (I think it is 1 year for FICO calculations). CK has me at 3 months AAoA.

Starting Score: 8/17/2014 EQ 569 TU 531 EX 535
Current Score: 06/03/2015 EQ 691 TU 751 EX 740
Goal Score: 760+ across all three bureaus

Take the myFICO Fitness Challenge
Trying to stay in the garden!
Message 16 of 39
Community Leader
Super Contributor

Re: How Many Synchrony Cards Is Too Many?

Shoot... My stats...lets see at the time, BK7 from 2013, 19 derogs that were IIB showing, TU 650, 5 other synch accts in good standing, inquires I think 23?? Maybe more.. Lol..
(BK7 d/c-08/2013/FICO-400's) ~ 07/2017 FICO 08- EQ-669, TU-676, EX-681
Scores being held down by tons of INQ/New acts Smiley Wink
Message 17 of 39
Valued Contributor

Re: How Many Synchrony Cards Is Too Many?

I originally only asked for 8k. Instantly approved. 48 hours after approval, I called the automated system and asked for a 20k CLI. The system said the max CLI I was eligible for was 6k. So now I have 14k. If you shoot really high like I did, then the system will give you the max you are able to receive from them.

Starting Score: 8/17/2014 EQ 569 TU 531 EX 535
Current Score: 06/03/2015 EQ 691 TU 751 EX 740
Goal Score: 760+ across all three bureaus

Take the myFICO Fitness Challenge
Trying to stay in the garden!
Message 18 of 39
Super Contributor

Re: How Many Synchrony Cards Is Too Many?

I've never had any issue getting approved for more Sync Bank cards. My most recent one has been Care Credit and that was two months after getting my $5k Ebates Visa and those $2k CLIs on my other two.

Total CL: Around $168,750 not counting hidden TLs. FICOs in the 700-730 range.

Main cards: Macy's Amex: $24k, Lowe's, $17k, Chase Sapphire Preferred: $7k, Chase AARP: $5.2k, Chase Freedom: $5k, Chase British Airways: $5k, Discover It: $1.5k, Barclays Arrival: $2.5k, Sam's Club MC: $8.5k, Stash: $8k, Sam's Club: $10k, Wells Fargo Propel: $8k, Paypal Smart Connect: $4.9k, Amazon Store Card: $6k, Cabelas Club Visa: $5k, Nordstrom: $5k, CapOne Quicksilver: $2k
Message 19 of 39
Community Leader
Super Contributor

Re: How Many Synchrony Cards Is Too Many?

They should counter... And you should be able to use tomorrow. In the app there's a section I believe that it ask "do you already have a place in mind to use?", you could put it down on the app so the know you're serious. Just make sure the place you're going to accepts care credit first! You can find out on the care credit siteSmiley Happy good luck!!
(BK7 d/c-08/2013/FICO-400's) ~ 07/2017 FICO 08- EQ-669, TU-676, EX-681
Scores being held down by tons of INQ/New acts Smiley Wink
Message 20 of 39