topic Re: Credit Solutions Recon in Credit Card Applications

Credit Solutions Recon

Anonymous — Wed, 13 Jul 2016 00:04:34 GMT

I applied for a Lowes Card online and got the "denial" message with a ref. #. I immediately called credit solutions and spoke with a man. He verified my info put me on hold and came back with the status of denial. I called back about 30 minutes later and spoke with a very nice woman about my Lowe's app. I went on to tell her I was going to do some remodeling in the near future and could really use the card. She put me on hold for a for a couple minutes and came back and said all the information is grayed out(due to the first guy I called) or she could override the denial and approve me.

I've researched a lot about synchrony on here and never read this info before. Maybe this will help someone out.

Btw I have 3 synchrony cards....A marvel with 6k, WM with 6k, and stash with 8k...Not sure why I was declined but I will app again soon and definitely hang up and call back if a man answers.

Re: Credit Solutions Recon

Anonymous — Wed, 13 Jul 2016 00:49:58 GMT

I'm not sure it's a good idea to be pushing it in the current Synchrony environment.

Re: Credit Solutions Recon

Anonymous — Wed, 13 Jul 2016 00:53:27 GMT

You may want to check out this thread in the Credit Card section:

http://ficoforums.myfico.com/t5/Credit-Cards/What-the-heck-is-going-on-with-Synchrony/m-p/4669682#U4669682

Re: Credit Solutions Recon

Anonymous — Wed, 13 Jul 2016 05:10:09 GMT

Thanks, I appreciate the feedback. I've read it and nearly all synchrony posts on this site. If income verification is all they need, I have nothing to hide. Several people on here with maximum exposure(100k +/-) have less income than I do and I'm only at 20k exposure with them. If they do freeze my accounts I'll be fine until they get the necessary documents and unfreeze them.

I hope none of this comes across as bragging or arrogance, because that is not who I am.

I just posted this letting people know that they can have a synchrony denial overturned by a credit solutions rep.

Thanks again.

Re: Credit Solutions Recon

Vegas4Play — Wed, 13 Jul 2016 06:59:45 GMT

I'm sure there are some that will find the information useful.

Re: Credit Solutions Recon

Anonymous — Wed, 13 Jul 2016 11:51:44 GMT

I've researched a lot about synchrony on here and never read this info before. Maybe this will help someone out.

Btw I have 3 synchrony cards....A marvel with 6k, WM with 6k, and stash with 8k...Not sure why I was declined but I will app again soon and definitely hang up and call back if a man answers.

I'M glad I am not the only one that fells this way....."definitely hang up and call back if a man answers. "

Re: Credit Solutions Recon

Anonymous — Wed, 13 Jul 2016 20:35:31 GMT

@Anonymous wrote:
I applied for a Lowes Card online and got the "denial" message with a ref. #. I immediately called credit solutions and spoke with a man. He verified my info put me on hold and came back with the status of denial. I called back about 30 minutes later and spoke with a very nice woman about my Lowe's app. I went on to tell her I was going to do some remodeling in the near future and could really use the card. She put me on hold for a for a couple minutes and came back and said all the information is grayed out(due to the first guy I called) or she could override the denial and approve me.

I've researched a lot about synchrony on here and never read this info before. Maybe this will help someone out.

Btw I have 3 synchrony cards....A marvel with 6k, WM with 6k, and stash with 8k...Not sure why I was declined but I will app again soon and definitely hang up and call back if a man answers.

Hey Hammer!

With the current climate at Synchrony, it may be in your best interest to lay low. You don't want to bring any unneccessary scrutiny (eyes) on your accounts. Keep your head up!

Re: Credit Solutions Recon

RonM21 — Wed, 13 Jul 2016 22:03:27 GMT

@Anonymous wrote:
I'm not sure it's a good idea to be pushing it in the current Synchrony environment.

Yeah, right now is a strange time when it comes to them.

Re: Credit Solutions Recon

Anonymous — Wed, 13 Jul 2016 22:12:37 GMT

@Anonymous wrote:
I'm not sure it's a good idea to be pushing it in the current Synchrony environment.

+1000

Re: Credit Solutions Recon

AverageJoesCredit — Thu, 14 Jul 2016 01:18:51 GMT

Op, thanks for contributing to the forum! Please forgive me as im a little confused by your post. Did the lady you talked too override your denial and approve you? Or did she tell you that all your info was grayed out (?) And that she could overide denial and approve. Perhaps how you wrote this part has confused me

Thanks if there is any confusion, could be on my part.

On another note i agree with others who posted to use some cauition with reconning Sync at the moment, not that theres anything wrong by doing so. If you did get approved and reconned your denial , well, Bravo!