topic Seems like Synchrony loves me? haha in Credit Card Approvals

Seems like Synchrony loves me? haha

Anonymous — Mon, 30 Mar 2015 23:26:37 GMT

So I was bored watching SportCenter and looked up all the stores that Synchrony Bank manages and was like "Hey, if Amazon approved me for $900, why not try others that I shop at that are under Synchrony?" So I applied for a couple and the outcome was:

Walmart Store Card: $600

AEO: $150

Old Navy: $300

Two quick questions.. can I use my Old Navy card at Gap and Banana Republic? And since Synchrony pulled TU from Amazon on Saturday (two days ago), did they pull three more times for Walmart, AEO, and Old Navy?

Re: Seems like Synchrony loves me? haha

mossmanb5 — Mon, 30 Mar 2015 23:30:37 GMT

yes you can use old navy at br and gap, expect hps for all your synch approvals. call 1-866-519-6441 and ask for 5k on all 3 cards they will counter if not. they are always sp for those accounts when it comes to cli. alot of people have had including myself big increases using this number. congrats

Re: Seems like Synchrony loves me? haha

Anonymous — Mon, 30 Mar 2015 23:32:05 GMT

I'm sorry, what was the answer to the HP question? did they do separate pulls or no?

Re: Seems like Synchrony loves me? haha

gdale6 — Mon, 30 Mar 2015 23:43:55 GMT

Grats on your Synchrony luv

Re: Seems like Synchrony loves me? haha

mossmanb5 — Mon, 30 Mar 2015 23:44:16 GMT

yes for new account openings they always pull a new hp. but for increases on those cards its always a sp. go for the increase, my friend got the same 3 cards 2 weeks ago, called the number same day had 200 limits on all three went to 5k on all 3. good luck

Re: Seems like Synchrony loves me? haha

Anonymous — Tue, 31 Mar 2015 00:02:27 GMT

a CR is a HP, isn't it?

Re: Seems like Synchrony loves me? haha

mossmanb5 — Tue, 31 Mar 2015 00:12:00 GMT

cr= credit report

sp= soft pull (no inquiry)

hp= hard pull (inquiry)

cli= credit line increase

Re: Seems like Synchrony loves me? haha

Anonymous — Tue, 31 Mar 2015 00:24:07 GMT

yeah, i meant CR as in Credit Review. i called and they've upped Old Navy from $300 to $3500, Walmart from $600 to $3500, AEO from $150 to $2000, and Amazon.com Store Card from $900 to $3500 thanks so much

Re: Seems like Synchrony loves me? haha

mossmanb5 — Tue, 31 Mar 2015 00:28:28 GMT

no problem and a VERY BIG CONGRATS save that number in your phone and ask again in the future. its always a soft pull whether approved or denied for those account increases. again glad i could be of help. that number got me

old navy- 200 to 3000

toys r us- 200 to 1500

walmart- 600 to 3500

sams club- 700 to 5000

Re: Seems like Synchrony loves me? haha

ddemari — Tue, 31 Mar 2015 20:19:08 GMT

I dont know why Banana will not give me any luv. I have had the card for 4 months 800 dollar limit. Tried to chat them up and they said no. Received a letter with my TU fico from February 743, reasons not enough bankcard expeirence, inquries and serious deliquency. all of that is bs except the inquiries. i mean if someone has had a card for 2 weeks with a 300 limit and gets it bumped to 3k, I don't get the logic. But then again, Synch bank has zero logic.

Re: Seems like Synchrony loves me? haha

uswala — Tue, 31 Mar 2015 20:27:11 GMT

Congrats OP!

Re: Seems like Synchrony loves me? haha

Anonymous — Wed, 01 Apr 2015 01:30:05 GMT

Have you tried calling the number mossmanb5 provided? That's the number I used. A very nice gentleman was able to increase those for me. I was surprised as to how high he was able to get them for me since I opened three of those cards yesterday and one on Saturday. Try calling them now.

Re: Seems like Synchrony loves me? haha

Anonymous — Wed, 01 Apr 2015 01:31:14 GMT

Thanks, uswala

Re: Seems like Synchrony loves me? haha

Anonymous — Wed, 01 Apr 2015 10:47:18 GMT

When you called the number did you ask for increases on all cards in the one call or make a call for each card?

Re: Seems like Synchrony loves me? haha

Anonymous — Wed, 01 Apr 2015 12:39:24 GMT

@Anonymous wrote:
When you called the number did you ask for increases on all cards in the one call or make a call for each card?

All in one call. I literally said "I'd like to request increases on three of my store cards." And he said "ok." As we got to the end, I remembered that my Amazon.com card is also under synchrony (same bank that manages the other three) and I said "I just remembered I have another card with you guys that I'd also like to request an increase on." He said "not a problem." And yeah, that was basically it

Re: Seems like Synchrony loves me? haha

Anonymous — Wed, 01 Apr 2015 13:08:15 GMT

Ha ha nice. I think ill give it a shot. I have about four with them as well and didn't relish the idea of calling over and over.

Re: Seems like Synchrony loves me? haha

Anonymous — Wed, 01 Apr 2015 15:04:18 GMT

I've tried twice since getting my Walmart card.. no luck. I'll just evenly divide my balance into 4 (to generate statements) and wait patiently on the 4th statement and see how it goes from there. patience is key.

Re: Seems like Synchrony loves me? haha

Anonymous — Wed, 01 Apr 2015 15:26:20 GMT

Haha yeah, I'm sure that'd be a pain calling over and over. Mossmanb5 called 9 times for 9 different cards lol. I just figured that if it all ultimately comes back to synchrony bank, they'd be able to do all those CLIs in one call. Good luck!

@Anonymous wrote:
Ha ha nice. I think ill give it a shot. I have about four with them as well and didn't relish the idea of calling over and over.

Re: Seems like Synchrony loves me? haha

Anonymous — Wed, 01 Apr 2015 15:29:53 GMT

@Anonymous wrote:
I've tried twice since getting my Walmart card.. no luck. I'll just evenly divide my balance into 4 (to generate statements) and wait patiently on the 4th statement and see how it goes from there. patience is key.

Yup. Patience is key in life, especially with credit. And that's something I struggle with haha

Re: Seems like Synchrony loves me? haha

MissMoni223 — Wed, 01 Apr 2015 15:49:47 GMT

CONGRATS and YES you can use your Old Navy card at Gap, & Banana Republic.