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My husband has a 652 TU score. This is his highest right now. Has about 22 inq. Is there a Synchrony (or any other) major that is not inq sensitive that would approve a 652 TU score? He already has a Disc with $1000 limit. 2 Cap one Majors also. He has a WM store card but not a Synch major.
Does he really need a sync card ATM. Why not let the inquiries fall off and his score improve before trying to get more cards and a potential denial
@ccpat wrote:My husband has a 652 TU score. This is his highest right now. Has about 22 inq. Is there a Synchrony (or any other) major that is not inq sensitive that would approve a 652 TU score? He already has a Disc with $1000 limit. 2 Cap one Majors also. He has a WM store card but not a Synch major.
Has he tried to apply with AMEX? Here's my Experian score when I got my Delta Platinum and couple weeks later, the Delta Reserve. YMMV. I don't know for sure, they say, inquiries isn't weighed very heavily with AMEX. It seems there is no specific number they look at for an approval. Good luck.
Is there a reason he wants a card with Synchrony? I think he should take a break from apps for now and let his scores heal.
@B335is wrote:
With a 652 your DH will have a tough time getting a Sync Visa/MC. They tend to look for a score closer to 700 and even then, he would be looking at a high interest rate. Has your DH considered an Amex charge?
Recently I apped for Marvel MC with TU fico of 686......Approved for 2K at 25.49% APR, oouuchh.
SL recon denied, but have only tried once, maybe I'll try another CSR or just wait a few months and give it a go again.