topic Re: Is the Chevron and Texaco Techron Advantage Credit Card a store card in Credit Card Applications

Is the Chevron and Texaco Techron Advantage Credit Card a store card

accjohn1990 — Sun, 13 Aug 2017 11:21:38 GMT

I was apprved for this card, but i think i made a mistake by applying. Im worried its a store card and ill have to cancel it and waste the inquiry. The card info says it can be used for cash advances from cirrus atm's but there is no mc/v/amex logo on the picture of the card. They dont have any stations in my area so a store card is useless i want to keep it just in case i need a cash advance which is highly unlikely. the customer service center will open in an hour and a half so i will update then. I think its unethical to call a store card a credit card if thats what they've done /rant

Re: Is the Chevron and Texaco Techron Advantage Credit Card a store card

AverageJoesCredit — Sun, 13 Aug 2017 12:55:10 GMT

I believe unless you got the Visa version of the Chevron card, it basically would be a store card. I know the Visa version exists so if you see no logo, sorry to say its the store card version.

Re: Is the Chevron and Texaco Techron Advantage Credit Card a store card

Anonymous — Sun, 13 Aug 2017 14:16:21 GMT

It is a Synchrony card (Had no clue).

Did you apply for the Visa or the regular card? I noticed on the applications page it gives you the option to apply for either one.

If the terms listed that you could get a cash advance I am assuming you possibly got the Visa? I have not known any store cards to offer cash advances.

I would avoid a Cash advance on any Synchrony card I believe the going APR for those is 29.99% at least that is what the cash advance APR on my Marvel card is.

Re: Is the Chevron and Texaco Techron Advantage Credit Card a store card

fltireguy — Sun, 13 Aug 2017 14:55:48 GMT

You can get cash advances on both Citi and Sync oil company store crds

Re: Is the Chevron and Texaco Techron Advantage Credit Card a store card

Anonymous — Sun, 13 Aug 2017 17:19:52 GMT

Cash advance at gas station = car passes smog check

Re: Is the Chevron and Texaco Techron Advantage Credit Card a store card

Meanmchine — Sun, 13 Aug 2017 22:14:26 GMT

The "cash advance" function was limited to $20 or so back in the day.

Re: Is the Chevron and Texaco Techron Advantage Credit Card a store card

DeeBee78 — Mon, 14 Aug 2017 05:40:04 GMT

@Anonymous wrote:
It is a Synchrony card (Had no clue).

Did you apply for the Visa or the regular card? I noticed on the applications page it gives you the option to apply for either one.

If the terms listed that you could get a cash advance I am assuming you possibly got the Visa? I have not known any store cards to offer cash advances.

I would avoid a Cash advance on any Synchrony card I believe the going APR for those is 29.99% at least that is what the cash advance APR on my Marvel card is.

You can cash advance on the Chevron store card if your limit is $500 or more. Cash advance lines are 20% of your total credit limit.

OP, if it doesn't specifically say you were approved for the Visa, it's going to be the store card.

Re: Is the Chevron and Texaco Techron Advantage Credit Card a store card

Meanmchine — Mon, 14 Aug 2017 14:31:09 GMT

20% of your CL being your cash advance limit is for the MasterCard version only. I have the store account ( 9 yers old ) and there is no such cash advance feature on the summary or account services pages

20% of CL being your cash advance limit is common for all the Synchrony bank cards that I have.

Re: Is the Chevron and Texaco Techron Advantage Credit Card a store card

DeeBee78 — Mon, 14 Aug 2017 14:48:24 GMT

@Meanmchine wrote:
20% of your CL being your cash advance limit is for the MasterCard version only. I have the store account ( 9 yers old ) and there is no such cash advance feature on the summary or account services pages

20% of CL being your cash advance limit is common for all the Synchrony bank cards that I have.

Sorry, but this is incorrect information. There is no MasterCard version of the Chevron Texaco card. It's either a store card, or Visa branded. My information about the cash advance feature on the store card is also correct. Before I had the Visa version, I had the store card with a $4,000 limit, and an $800 cash advance line. Here are the FAQ's for the store card version.

Re: Is the Chevron and Texaco Techron Advantage Credit Card a store card

accjohn1990 — Mon, 14 Aug 2017 15:14:32 GMT

Sorry for my delayed response, ive been busier than i anticipated. My card is a store card, but i think i am going to keep it because there is no annual fee and i am eligible for $150 in cash advances. There is no fee from chevron for cash advances as long as i use an atm with a cirrus logo. There is a cirrus atm just down the street from me so this is my best card for cash advances if i ever needed one. Also my aaoa is already low (about 5 months for 4 cards) so i won't notice much of a difference there for the new card.

Re: Is the Chevron and Texaco Techron Advantage Credit Card a store card

DeeBee78 — Mon, 14 Aug 2017 15:51:07 GMT

@accjohn1990 wrote:
Sorry for my delayed response, ive been busier than i anticipated. My card is a store card, but i think i am going to keep it because there is no annual fee and i am eligible for $150 in cash advances. There is no fee from chevron for cash advances as long as i use an atm with a cirrus logo. There is a cirrus atm just down the street from me so this is my best card for cash advances if i ever needed one. Also my aaoa is already low (about 5 months for 4 cards) so i won't notice much of a difference there for the new card.

FYI, while there is no cash advance fee, the ATM operator will most likely charge a fee and you start accruing interest on the transaction immediately, until it's paid back.

Use the card, and PIF monthly. In about 4 months, get on chat with Synchrony and request a CLI to $5,000 and let them counter-offer.

Re: Is the Chevron and Texaco Techron Advantage Credit Card a store card

Meanmchine — Mon, 14 Aug 2017 17:26:01 GMT

I apologize. My information was outdated