topic Re: Synchrony Bank hates me for no reason in Credit Card Applications

Synchrony Bank hates me for no reason

Anonymous — Fri, 04 Mar 2016 12:23:02 GMT

Ok so I have apped for the Amazon store card a couple times over the past 4 months and keep getting instant denials. Here is a brief look at my CR:

1 Derrogatory Account- Charge Off $2122 Aug 2010- Currently making payments to get rid of it as DFAS said they will 100% PFD

Discover Secured- $200 100% PIF before statement cuts never late

BofA Secured- $300 100% PIF before statement cuts never late

Cap1 QS1- $500 100% PIF before statement cuts never late

Cap1 QS- $300 100% PIF before statement cuts never late

Eddie Bauer- $250- Never used

7 Student Loans $18K, still in school and no payments are due until 12/27/2020

AAoA 26 months

Oldest Account is 12 years - Cap1/Bestbuy 100% ontime payments never late, closed by me.

Why won't Synch budge and give me an Amazon card? I tried to Recon and the CSR was very rude and said Synch does not manually review Amazon applications and "politely" hung up in my face. I wasnt rude at all. I have spent close to $17k with Amazon in the past two years on my hobbies and am thinking to say to hell with Amazon and spend my money elsewhere.

My main issue is I have seen CR's from others that were 100% worse than mine who were approved.

My reported income is $55440

Any and all advice is welcome

Re: Synchrony Bank hates me for no reason

Skye12329 — Fri, 04 Mar 2016 12:52:30 GMT

Sync bank doesn't recon. Its not that sync hates you nor does amazon, also amazon isn't the lender. I would suggest quit applying. Each time you apply, your adding a new inquiry. Too many inquiries hurt your chances. What are the denial reasons? The derog account could be the big factor. Once thats removed you will have a better a chance.

Re: Synchrony Bank hates me for no reason

Anonymous — Fri, 04 Mar 2016 13:07:20 GMT

@Anonymous wrote:
Ok so I have apped for the Amazon store card a couple times over the past 4 months and keep getting instant denials. Here is a brief look at my CR:

1 Derrogatory Account- Charge Off $2122 Aug 2010- Currently making payments to get rid of it as DFAS said they will 100% PFD

Discover Secured- $200 100% PIF before statement cuts never late
BofA Secured- $300 100% PIF before statement cuts never late
Cap1 QS1- $500 100% PIF before statement cuts never late
Cap1 QS- $300 100% PIF before statement cuts never late
Eddie Bauer- $250- Never used

7 Student Loans $18K, still in school and no payments are due until 12/27/2020

AAoA 26 months
Oldest Account is 12 years - Cap1/Bestbuy 100% ontime payments never late, closed by me.

Why won't Synch budge and give me an Amazon card? I tried to Recon and the CSR was very rude and said Synch does not manually review Amazon applications and "politely" hung up in my face. I wasnt rude at all. I have spent close to $17k with Amazon in the past two years on my hobbies and am thinking to say to hell with Amazon and spend my money elsewhere.

My main issue is I have seen CR's from others that were 100% worse than mine who were approved.

My reported income is $55440

Any and all advice is welcome

I have no idea why your being declined. My profile is less impressive than yours and have a $5000 limit on my Amazon...

Re: Synchrony Bank hates me for no reason

MyLoFICO — Fri, 04 Mar 2016 13:41:24 GMT

Take some of that hobby money and pay off that bad debt. That will go a long way, especially if its PFD. Also, try and SP CLI those cards you have that are not secured. Those low limits don't help.

Re: Synchrony Bank hates me for no reason

Anonymous — Fri, 04 Mar 2016 13:53:46 GMT

@Skye12329 wrote:
Sync bank doesn't recon. Its not that sync hates you nor does amazon, also amazon isn't the lender. I would suggest quit applying. Each time you apply, your adding a new inquiry. Too many inquiries hurt your chances. What are the denial reasons? The derog account could be the big factor. Once thats removed you will have a better a chance.

I've stopped applying, and will not ever apply again for anything related to Synchrony. I guess my 1 charge off is worse than others who have BK and multiple accounts in collections and CO's.

The denial reasons are not clear. It keeps saying several 30/60/90 lates, which I have none showing on any report.

Re: Synchrony Bank hates me for no reason

MyLoFICO — Fri, 04 Mar 2016 13:53:37 GMT

@Anonymous wrote:
@Skye12329 wrote:
Sync bank doesn't recon. Its not that sync hates you nor does amazon, also amazon isn't the lender. I would suggest quit applying. Each time you apply, your adding a new inquiry. Too many inquiries hurt your chances. What are the denial reasons? The derog account could be the big factor. Once thats removed you will have a better a chance.
I've stopped applying, and will not ever apply again for anything related to Synchrony. I guess my 1 charge off is worse than others who have BK and multiple accounts in collections and CO's.

Nope. My CO is for 1500 and its old. I have 8 sync accounts and the CLI's are stupid high. Did they not tell you why? You need to know why before you re-apply. Find out why and post it here. Sync is really easy to get in with, if they are denying you, its got to be an obvious good reason.

Re: Synchrony Bank hates me for no reason

Anonymous — Fri, 04 Mar 2016 14:25:03 GMT

@MyLoFICO wrote:
@Anonymous wrote:
@Skye12329 wrote:
Sync bank doesn't recon. Its not that sync hates you nor does amazon, also amazon isn't the lender. I would suggest quit applying. Each time you apply, your adding a new inquiry. Too many inquiries hurt your chances. What are the denial reasons? The derog account could be the big factor. Once thats removed you will have a better a chance.
I've stopped applying, and will not ever apply again for anything related to Synchrony. I guess my 1 charge off is worse than others who have BK and multiple accounts in collections and CO's.
Nope. My CO is for 1500 and its old. I have 8 sync accounts and the CLI's are stupid high. Did they not tell you why? You need to know why before you re-apply. Find out why and post it here. Sync is really easy to get in with, if they are denying you, its got to be an obvious good reason.

My last denial letter stated late payment history. I have had ZERO late payments my entire life and nothing regarding late payments has been reported to any CB ever. I do have one charge off from DFAS and this was form overpayment after I got our of the Military. Thing about this is I never knew anything about the CO from 2010 until Jan 2016. because I havent lived in the US since 2006, Anyway its a PFD and I am going to have it gone by next month.

My hobbie is mountaineering and equipment is expensive. Lets just say I wont be needing to buy new equipment for a couple years.

Re: Synchrony Bank hates me for no reason

Anonymous — Fri, 04 Mar 2016 14:26:45 GMT

@Anonymous wrote:
@Anonymous wrote:
Ok so I have apped for the Amazon store card a couple times over the past 4 months and keep getting instant denials. Here is a brief look at my CR:

1 Derrogatory Account- Charge Off $2122 Aug 2010- Currently making payments to get rid of it as DFAS said they will 100% PFD

Discover Secured- $200 100% PIF before statement cuts never late
BofA Secured- $300 100% PIF before statement cuts never late
Cap1 QS1- $500 100% PIF before statement cuts never late
Cap1 QS- $300 100% PIF before statement cuts never late
Eddie Bauer- $250- Never used

7 Student Loans $18K, still in school and no payments are due until 12/27/2020

AAoA 26 months
Oldest Account is 12 years - Cap1/Bestbuy 100% ontime payments never late, closed by me.

Why won't Synch budge and give me an Amazon card? I tried to Recon and the CSR was very rude and said Synch does not manually review Amazon applications and "politely" hung up in my face. I wasnt rude at all. I have spent close to $17k with Amazon in the past two years on my hobbies and am thinking to say to hell with Amazon and spend my money elsewhere.

My main issue is I have seen CR's from others that were 100% worse than mine who were approved.

My reported income is $55440

Any and all advice is welcome
I have no idea why your being declined. My profile is less impressive than yours and have a $5000 limit on my Amazon...

Its beyond me dude. If i knew a betetr reason than what they state then I wouldnt care, but its for many late payments on my CR which is funny because I have never been late for a payment nor are any late payments reported on my CR.

Re: Synchrony Bank hates me for no reason

MyLoFICO — Fri, 04 Mar 2016 14:29:51 GMT

@Anonymous wrote:
@MyLoFICO wrote:
@Anonymous wrote:
@Skye12329 wrote:
Sync bank doesn't recon. Its not that sync hates you nor does amazon, also amazon isn't the lender. I would suggest quit applying. Each time you apply, your adding a new inquiry. Too many inquiries hurt your chances. What are the denial reasons? The derog account could be the big factor. Once thats removed you will have a better a chance.
I've stopped applying, and will not ever apply again for anything related to Synchrony. I guess my 1 charge off is worse than others who have BK and multiple accounts in collections and CO's.
Nope. My CO is for 1500 and its old. I have 8 sync accounts and the CLI's are stupid high. Did they not tell you why? You need to know why before you re-apply. Find out why and post it here. Sync is really easy to get in with, if they are denying you, its got to be an obvious good reason.
My last denial letter stated late payment history. I have had ZERO late payments my entire life and nothing regarding late payments has been reported to any CB ever. I do have one charge off from DFAS and this was form overpayment after I got our of the Military. Thing about this is I never knew anything about the CO from 2010 until Jan 2016. because I havent lived in the US since 2006, Anyway its a PFD and I am going to have it gone by next month.

My hobbie is mountaineering and equipment is expensive. Lets just say I wont be needing to buy new equipment for a couple years.

When they say late they could be referring to that CO. I would get that gone and try again. I can't believe that they would deny based on that one CO though.

On a more serious note, Thank you for your service.

Re: Synchrony Bank hates me for no reason

Anonymous — Fri, 04 Mar 2016 14:35:59 GMT

@MyLoFICO wrote:
@Anonymous wrote:
@MyLoFICO wrote:
@Anonymous wrote:
@Skye12329 wrote:
Sync bank doesn't recon. Its not that sync hates you nor does amazon, also amazon isn't the lender. I would suggest quit applying. Each time you apply, your adding a new inquiry. Too many inquiries hurt your chances. What are the denial reasons? The derog account could be the big factor. Once thats removed you will have a better a chance.
I've stopped applying, and will not ever apply again for anything related to Synchrony. I guess my 1 charge off is worse than others who have BK and multiple accounts in collections and CO's.
Nope. My CO is for 1500 and its old. I have 8 sync accounts and the CLI's are stupid high. Did they not tell you why? You need to know why before you re-apply. Find out why and post it here. Sync is really easy to get in with, if they are denying you, its got to be an obvious good reason.
My last denial letter stated late payment history. I have had ZERO late payments my entire life and nothing regarding late payments has been reported to any CB ever. I do have one charge off from DFAS and this was form overpayment after I got our of the Military. Thing about this is I never knew anything about the CO from 2010 until Jan 2016. because I havent lived in the US since 2006, Anyway its a PFD and I am going to have it gone by next month.

My hobbie is mountaineering and equipment is expensive. Lets just say I wont be needing to buy new equipment for a couple years.
When they say late they could be referring to that CO. I would get that gone and try again. I can't believe that they would deny based on that one CO though.

On a more serious note, Thank you for your service.

Thank you. Once its removed and if I ever decide to reapply, I will post the results here.

Re: Synchrony Bank hates me for no reason

Anonymous — Fri, 04 Mar 2016 14:37:04 GMT

Time will take care of this. Just give it time and lower your utilization. Good luck to you. Don't be discouraged. We have all had our difficulties. It is a good reason to be in the forum. We help each other.

Re: Synchrony Bank hates me for no reason

Anonymous — Fri, 04 Mar 2016 15:27:17 GMT

@Anonymous wrote:
Time will take care of this. Just give it time and lower your utilization. Good luck to you. Don't be discouraged. We have all had our difficulties. It is a good reason to be in the forum. We help each other.

Thank you, my utilization is 3%

Re: Synchrony Bank hates me for no reason

Anonymous — Fri, 04 Mar 2016 16:41:39 GMT

Seems to be the C/O and maybe even the lower CL's...? I really don't know. It's hard to gauge from someone else's approval whether or no you'll be approved. It can be a good indicator, but not the end all.

Anyway...I'd be more concerned with the fact that they are saying you have these 30/60/90s and you say you don't. Did you request a copy of the credit report they are getting this from?

Re: Synchrony Bank hates me for no reason

Anonymous — Fri, 04 Mar 2016 17:41:57 GMT

@Anonymous wrote:
Seems to be the C/O and maybe even the lower CL's...? I really don't know. It's hard to gauge from someone else's approval whether or no you'll be approved. It can be a good indicator, but not the end all.

Anyway...I'd be more concerned with the fact that they are saying you have these 30/60/90s and you say you don't. Did you request a copy of the credit report they are getting this from?

no I didnt request anything nor was I given time. The angry heffer that I spoke withs fat aggression took control of her and she hung up the phone. I was shocked by this. Sorry but I mean no offense to anyone here. Please excuse my negative tone. I guess I was expecting the same level of CS i get form Discover or BofA when I called. SO much for assumptions.

Re: Synchrony Bank hates me for no reason

Anonymous — Fri, 04 Mar 2016 20:35:55 GMT

675 TU and you're getting denials? Wow. My cousin just app'd when I did a couple weeks ago, and his TU is 650 and he got approved for $900. I got approved with a 671 TU for $1800 and then recon for $4K. I have no idea why you're getting declined. Like I posted in another thread, all this stuff is one big game, and is hit or miss. As far as building your scores this site can be dead on, but getting approved is up to the lenders it seems no matter what score you have.

Re: Synchrony Bank hates me for no reason

Anonymous — Sat, 05 Mar 2016 00:57:11 GMT

@Anonymous wrote:
Ok so I have apped for the Amazon store card a couple times over the past 4 months and keep getting instant denials. Here is a brief look at my CR:

1 Derrogatory Account- Charge Off $2122 Aug 2010- Currently making payments to get rid of it as DFAS said they will 100% PFD

Discover Secured- $200 100% PIF before statement cuts never late
BofA Secured- $300 100% PIF before statement cuts never late
Cap1 QS1- $500 100% PIF before statement cuts never late
Cap1 QS- $300 100% PIF before statement cuts never late
Eddie Bauer- $250- Never used

7 Student Loans $18K, still in school and no payments are due until 12/27/2020

AAoA 26 months
Oldest Account is 12 years - Cap1/Bestbuy 100% ontime payments never late, closed by me.

Why won't Synch budge and give me an Amazon card? I tried to Recon and the CSR was very rude and said Synch does not manually review Amazon applications and "politely" hung up in my face. I wasnt rude at all. I have spent close to $17k with Amazon in the past two years on my hobbies and am thinking to say to hell with Amazon and spend my money elsewhere.

My main issue is I have seen CR's from others that were 100% worse than mine who were approved.

My reported income is $55440

Any and all advice is welcome

Your 30/60/90 usually show up on your credit report, not your 1B, which you can get for free annually. What is DFAS? Sometimes if the CO is still reporting monthly it can hurt you because the account never has a chance to age. When I paid off my last collection account, I started getting approvals for better amounts. I got turned down the first time I applied, and when you apply how much time passes before you reapply. Synchrony has a 30 day wait period before reapplying.

Re: Synchrony Bank hates me for no reason

Officer737 — Sat, 05 Mar 2016 04:23:14 GMT

I think it is attached to the CO, the 30/60/90 are in there somewhere more than likely. Generally most COs go thru late payment processes and those follow the account into the CO status for 7 years of paymeny history. How old are the accoutns you have? You may have put it in here somewhere and I jst didn't see it,

Re: Synchrony Bank hates me for no reason

Officer737 — Sat, 05 Mar 2016 04:43:31 GMT

I laso just thought of something too, you stated that you have applied a few times over the past 4 months? Look at the denial letters you will be getting and look at the date they pull your credit report. They do not pull a new report every time you apply. If they are close together they will just use one that is recent and in their time window they consider a recent pull and deny you based off of an old report not always the most up to date one. I asked for an increase on Wal-Mart and Lowes the same day. Wal-Mart score was 6 points higher and new pull that day,....Lowes was 6 points lower and used a report from December of 2015.

Re: Synchrony Bank hates me for no reason

lindsaydruart — Sat, 05 Mar 2016 05:31:03 GMT

Amazon has been a tough nut to crack lately. I can get approved with just about any Synchrony card but that Amazon keeps denying me. I'm scratching my head too.

Re: Synchrony Bank hates me for no reason

Anonymous — Sat, 05 Mar 2016 07:45:59 GMT

@Anonymous wrote:
@Anonymous wrote:
Ok so I have apped for the Amazon store card a couple times over the past 4 months and keep getting instant denials. Here is a brief look at my CR:

1 Derrogatory Account- Charge Off $2122 Aug 2010- Currently making payments to get rid of it as DFAS said they will 100% PFD

Discover Secured- $200 100% PIF before statement cuts never late
BofA Secured- $300 100% PIF before statement cuts never late
Cap1 QS1- $500 100% PIF before statement cuts never late
Cap1 QS- $300 100% PIF before statement cuts never late
Eddie Bauer- $250- Never used

7 Student Loans $18K, still in school and no payments are due until 12/27/2020

AAoA 26 months
Oldest Account is 12 years - Cap1/Bestbuy 100% ontime payments never late, closed by me.

Why won't Synch budge and give me an Amazon card? I tried to Recon and the CSR was very rude and said Synch does not manually review Amazon applications and "politely" hung up in my face. I wasnt rude at all. I have spent close to $17k with Amazon in the past two years on my hobbies and am thinking to say to hell with Amazon and spend my money elsewhere.

My main issue is I have seen CR's from others that were 100% worse than mine who were approved.

My reported income is $55440

Any and all advice is welcome
Your 30/60/90 usually show up on your credit report, not your 1B, which you can get for free annually. What is DFAS? Sometimes if the CO is still reporting monthly it can hurt you because the account never has a chance to age. When I paid off my last collection account, I started getting approvals for better amounts. I got turned down the first time I applied, and when you apply how much time passes before you reapply. Synchrony has a 30 day wait period before reapplying.

Trust me when I tell you there is no such thing as a late payment anywhere on my credit report. Never has been and hopefully never will be. DFAS is Defense Finance & Acconting Services (The people who pay the military salaries). It will be off my report by next month hopefully.