topic Re: Easiest Synchrony Store Card Approval? in Credit Card Approvals

Easiest Synchrony Store Card Approval? Update 9/11

Te3030 — Sat, 12 Sep 2015 00:16:04 GMT

I'd like to get my foot in the door with Synchrony, which card is the easiest card to get approved? Store card, since my scores are low.

Update::: Thought I'd post an update since this thread resurfaced. The easiest and first Synchrony card for me was the Amazon, I didn't even have a TU Fico in November when Amazon Approved me for $600, as of today my limit is $5k. A couple months after Amazon, I was Approved for Care Credit $5k, TU Fico was 656 I think.

Just this past June I acquired from Synchrony Art Van $2k, Vaughn Basset(Furniture) $2k, Old Navy $5k, & SAMs Club $5k. Just a couple days ago Walmart sent me a preapproval through mail for store card which I'm not interested in, I was denied Walmart back in Aug 2014 when most Posts in this thread thought Walmart was the easiest. I started rebuilding in 6/2014, only negative is a paid tax lien from 2013.

Re: Easiest Synchrony Store Card Approval?

taxi818 — Sun, 24 Aug 2014 02:14:28 GMT

They are all easy. hehehe.

but if you want the best value. Wally hands down.

Free fico.

cash of purchase.

What is there not to like. just my opinion.

and they grow very fast.

Cli every month.

Re: Easiest Synchrony Store Card Approval?

taxi818 — Sun, 24 Aug 2014 02:15:25 GMT

correction.

cash over purchase.

and cli every 4 months. or so. is what i wanted to say.

Not every month. ignore that.

Re: Easiest Synchrony Store Card Approval?

macuserftw — Sun, 24 Aug 2014 02:28:00 GMT

I was recently approved for the Amazon Store Card at a $600CL. If you shop a lot on Amazon it's a great card to have. I always prefer to do my shopping on Amazon so, this was the best store card option for me. If you spend over a certain amount (I believe it's $150) you get 6 months interest-free. The more you spend, the more time you're allowed interest-free. I plan to pay off the card entirely once I get my statement, but it's still a nice feature to have.

I was considering the Wally card, but I never really shop there so, it's not really useful to me.

Re: Easiest Synchrony Store Card Approval?

taxi818 — Sun, 24 Aug 2014 02:38:42 GMT

I don't shop there much. But I bought a min fridge and they talked me into it for 25 bucks off.

Re: Easiest Synchrony Store Card Approval?

Anonymous — Sun, 24 Aug 2014 02:42:08 GMT

I would have to also agree that WalMart store card is the best as you 1) Get a free Transunion Fico monthly 2) Can get up to $100 cash back over a purchase without a cash advance fee or apr so its considered part of the purchase if you should ever need that feature 3) They give SP CLI's every 4 months and 4)They offer interest free deals several times a year depending on the amount you spend you either get 6, 12, 18, and sometimes 24 months interest free financing so to speak.

Re: Easiest Synchrony Store Card Approval?

B335is — Sun, 24 Aug 2014 02:52:34 GMT

It's really difficult to say which is the easiest. I was able to get a Gap and Amazon store card when I still had a negative on my reports. I do know the Mastercard versions and Ebates Visa are more difficult to get approval.

Re: Easiest Synchrony Store Card Approval?

mongstradamus — Sun, 24 Aug 2014 02:56:23 GMT

I know i will be in minority here , but if your scores are low I wouldn't try and reach for a store card. I would rather try and address what issues i have on my CR. Store cards will give you fairly low CL , and are pretty useless imo.

I would try to see if you could fix any baddies you have. Then re-assess getting an an real cc down the road.

Re: Easiest Synchrony Store Card Approval?

Anonymous — Sun, 24 Aug 2014 03:08:42 GMT

I don't know about Wal-Mart being easy. I was denied for this card for years but was recently finally instantly approved for it with a $1,200 SL. I was lucky to bypass the really small SL'S as I have heard of approvals with a $75 limit. Even with a small amount though, it's good to have your foot in the door with them. Plus, the TU Fico and cash back at register, if necessary, is awesome!

Re: Easiest Synchrony Store Card Approval?

Scott_S — Sun, 24 Aug 2014 03:11:28 GMT

I see people posting all the time that GE store cards are easy, but I have been turned down for every GE card I have ever applied for. Comenity seems to like me sometimes and other times not. Approval with comenity is about 50/50 for me, but GE is always denied.

Re: Easiest Synchrony Store Card Approval?

taxi818 — Sun, 24 Aug 2014 03:13:17 GMT

Wow. What are the reasons they are giving. Something on report they don't like.

Re: Easiest Synchrony Store Card Approval?

lonelyisland — Sun, 24 Aug 2014 03:43:46 GMT

When my scores were low 600s, I was approved for Amazon and Banana Republic and denied for Walmart. I applied for BR in store, Walmart and Amazon online.

Re: Easiest Synchrony Store Card Approval?

destine2grow — Sun, 24 Aug 2014 23:19:36 GMT

I think the Walmart was the easiest for me. I tried for a couple of year for old navy and was only recently approve for $200 CL. Walmart approve me for $900 recently.

You can also garden and then in 3 months apply.

Re: Easiest Synchrony Store Card Approval?

Anonymous — Mon, 25 Aug 2014 02:23:31 GMT

I have to agree on Walmart. Got an $700CL with high utilization and a 680 FICO. And going by friends who app'd for the same cards as I have, for GE, Walmart seems to be the easiest to get.

Re: Easiest Synchrony Store Card Approval?

chalupaman — Sun, 24 Aug 2014 23:40:58 GMT

My GE Amazon card was an instant approval with a starting limit of $600. The Wal-Mart is also great because of the free FICO score and stuff like that. I have basically three GE accounts right now and they've all grown quite nicely with me over time as my credit has improved and I've gotten higher limit cards.

Re: Easiest Synchrony Store Card Approval?

peanut42182 — Mon, 25 Aug 2014 00:28:13 GMT

I got the wally card 7 months post bankruptcy with a 400.00 limit and a 635 tu fico...

Re: Easiest Synchrony Store Card Approval?

Reighn9 — Mon, 25 Aug 2014 03:17:28 GMT

@Anonymous wrote:
I don't know about Wal-Mart being easy. I was denied for this card for years but was recently finally instantly approved for it with a $1,200 SL. I was lucky to bypass the really small SL'S as I have heard of approvals with a $75 limit. Even with a small amount though, it's good to have your foot in the door with them. Plus, the TU Fico and cash back at register, if necessary, is awesome!

i agree about this is a good card to get your foot in the door. I found Walmat to be a fairly easy approval even though it had a low CL for a while,I kept it in good standing, and that $100 CL is now $4500, it is my oldest open account at 18 years. I believe this card helped me get other cards from the same company, and store cards are a stepping stone to bankcards if you take good care of them.

Re: Easiest Synchrony Store Card Approval?

xXIDaShizIXx — Mon, 25 Aug 2014 14:51:33 GMT

I can consistently get $1000 initial credit limits with GE/Synchrony, but cannot get a CLI to save my life. Ugh.

Re: Easiest Synchrony Store Card Approval?

Closingracer99 — Mon, 25 Aug 2014 15:00:01 GMT

@Anonymous wrote:
I would have to also agree that WalMart store card is the best as you 1) Get a free Transunion Fico monthly 2) Can get up to $100 cash back over a purchase without a cash advance fee or apr so its considered part of the purchase if you should ever need that feature 3) They give SP CLI's every 4 months and 4)They offer interest free deals several times a year depending on the amount you spend you either get 6, 12, 18, and sometimes 24 months interest free financing so to speak.

So? really depends if you even shop at Walmart. There is plenty of reasons not to shop at Walmart like living in NYC which has no Walmarts. You can be opposed to Walmart because how they treat employees. There is probably more reasons why to not shop at Walmart.

Really it just depends on where you shop. Yeah you get a free FICO score but if you rarely shop there and say shop on Ebay or Amazon those cards will be better.

Re: Easiest Synchrony Store Card Approval?

xXIDaShizIXx — Mon, 25 Aug 2014 15:17:37 GMT

@Closingracer99 wrote:
@Anonymous wrote:
I would have to also agree that WalMart store card is the best as you 1) Get a free Transunion Fico monthly 2) Can get up to $100 cash back over a purchase without a cash advance fee or apr so its considered part of the purchase if you should ever need that feature 3) They give SP CLI's every 4 months and 4)They offer interest free deals several times a year depending on the amount you spend you either get 6, 12, 18, and sometimes 24 months interest free financing so to speak.
So? really depends if you even shop at Walmart. There is plenty of reasons not to shop at Walmart like living in NYC which has no Walmarts. You can be opposed to Walmart because how they treat employees. There is probably more reasons why to not shop at Walmart.

Really it just depends on where you shop. Yeah you get a free FICO score but if you rarely shop there and say shop on Ebay or Amazon those cards will be better.

As someone who has lived in either the Southeast or the Southwest my entire life, I couldn't imagine not seeing a walmart nearby lol. Seriously though I get what you are saying.