SYNC SP or HP

[Anonymous]

So, I have been seeing on here where sync is a SP for CLI on all their cards.....anyone know the full scoop? Thanks

[Aduke1122]

For the most part they are SP on just about all the store cards , I can't speak for the Visa/Mc side of it , also Care Credit has been known to Hp when asking for CLI but more so here lately there have been lots of SP reports

[AverageJoesCredit]

If you find a card is Financed by Synchrony Financial, more than likely increases will require hard pulls. Most other store cards can be obtained, cli that is, by sp but there are times when a hp has been done even on these cards. YMMV as always

[thummel]

Most synchrony cards I have experienced myself haven't been a HP. I have 6 cards with sync and none of them have been a HP for increases. Of course ymmv but generally there a SP.

[Anonymous]

Does anyone know if Sync's paypal credit, reports to CB's?....

[Anonymous]

No, Paypal Credit doesn't report. Like its direct predecessor Bill Me Later, it's a "hidden tradeline". This can be both helpful and annoying (annoying if you're looking for an additional account to be reported to increase your total available credit, helpful if you don't want your utilization/total used credit going up on your reports).

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@Anonymous wrote:
Does anyone know if Sync's paypal credit, reports to CB's?....

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[AverageJoesCredit]

Well Syncrony's Paypal Mastercard, yes reports to the cbs. Remember Paypal Credit is actually Comenity and is the hidden tradeline.