cancel
Showing results for 
Search instead for 
Did you mean: 

Score range 300 to 620 from Synchrony bank. WTH?

tag
Anonymous
Not applicable

Re: Score range 300 to 620 from Synchrony bank. WTH?


@orestrus wrote:
Interestingly they did approve me for walmart card 1 day prior

It's not unusual for creditors to approve one application and then decline the second. They want to see how you can handle the one account for approving more.  Certainly understandable when you are fairly new to the credit world.

Message 11 of 14
Anonymous
Not applicable

Re: Score range 300 to 620 from Synchrony bank. WTH?

Recons don't happen with Synchrony.  Keep the walmart card, let it age, then apply again for Amazon in six months.  I was denied for Amazon 3 months before I was approved again so it is possible after a while. 

Message 12 of 14
orestrus
Frequent Contributor

Re: Score range 300 to 620 from Synchrony bank. WTH?

Were you denied because of derogs or new credit ?
BofA 5k, Cap 1 Journey 300, Cap 1 QS1 300, Walmart 6k,
Amex BCE 2000, Amex PRG, Amex Delta Gold 2k, Macy's 5k, Bloomies 6k, Amazon 6k, JCP 5k Macy's Amex 1.5k,
Message 13 of 14
TheGardner
Valued Contributor

Re: Score range 300 to 620 from Synchrony bank. WTH?

Synch doesn't recon computer denials unfortunately. After a 6 months you will be in a better spot with 1 year AaoA (fico starts at 2 years). In 6 months go for Barclaycard Rewards and depending on profile maybe discover or Amex they both dig young files (Amex recently).

Good luck!
If anyone needs me I will be In The Garden. Goal Score: 760 for all in 2015.
Current FICO Scores EX: 715 EQ: 756 TU: 762
Last APP April 21, 2015.
Victim of The great AMEX HP heist of Dec 1st, 2nd and 3rd of 2014.
Message 14 of 14
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.