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How Many Synchrony Cards Is Too Many?

Valued Contributor

Re: How Many Synchrony Cards Is Too Many?

Wow... okay! I have no baddies or derogs/negatives. 14 accounts is good standing with 100% on time payments. Utilization is 12%. AAoA of 8 months but 3 yr credit history since my 10 year fell off. My TU Fico as of yesterday was 672. It was higher but I apped for 2 cards on December 31st but was instapproved for both.
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
Valued Contributor

Re: How Many Synchrony Cards Is Too Many?


StruggleIsReal wrote:
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?

Go to the website and look your dentist up. There will be an "apply now" button next to your dentist. This will put your dentist into the system as your provider. I believe that once you apply through the button next to your dentist that you will be able to use it tomorrow.

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!
Valued Contributor

Re: How Many Synchrony Cards Is Too Many?

Okay... awesome! I already had my apt scheduled but decided to check the care credit website and my dentist is listed there. So I just click apply next to his name and if approved I can use tomorrow at my appt?
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
Valued Contributor

Re: How Many Synchrony Cards Is Too Many?

Ask for at least 10k.

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!
Valued Contributor

Re: How Many Synchrony Cards Is Too Many?


StruggleIsReal wrote:
Okay... awesome! I already had my apt scheduled but decided to check the care credit website and my dentist is listed there. So I just click apply next to his name and if approved I can use tomorrow at my appt?

I don't see why not. After instant approval, you will get an email with the last 4 digits of your account number, so they already have your account set up. I would call them real fast first to make sure.

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!
Valued Contributor

Re: How Many Synchrony Cards Is Too Many?

Okay! Thanks.
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
Super Contributor

Re: How Many Synchrony Cards Is Too Many?

If you get approved, you can print out two pages that have your account number and you show that along with some identification. I'm going to be using it soon to pay for my mom's dental expenses.

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
Valued Contributor

Re: How Many Synchrony Cards Is Too Many?


StruggleIsReal wrote:
Okay! Thanks.

No probs. Smiley Wink

They should be able to tell you which 0% financing offers your dentist participates in as well.

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!
Valued Contributor

Re: How Many Synchrony Cards Is Too Many?

Awesome! Thanks everyone for your advice! I'm a little nervous to app but will report back once I do!
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
Super Contributor

Re: How Many Synchrony Cards Is Too Many?

All the best on a satisfied outcome!