topic Re: Synchrony bank blacklist question? in Credit Card Applications

Synchrony bank blacklist question?

Anonymous — Fri, 01 Mar 2019 17:18:47 GMT

I filed for chapter 7 bankruptcy about 22 months. I included about 4 synchrony credit cards. Every time I apply for a credit card they deny me saying bankruptcy. How long does synchrony bank blacklist for?

Re: Synchrony bank blacklist question?

DotaK — Fri, 01 Mar 2019 20:51:05 GMT

7-10 years for bankruptcy.

Re: Synchrony bank blacklist question?

JaseT — Fri, 01 Mar 2019 22:15:55 GMT

Depends/YMMV/No logic.

My timeline:

12/16: Filed BK7 (discharged 3/17) Included Synch Amazon Store Card.

1/18: Approved for Synch Lowes Card, $1k SL (currently @ $17k CL). I did close my $10k Lowes card just prior to filing BK.

1/19: Denied Amazon Store Card & PayPal Cashback Rewards MC. No hard pulls. Reason for both listed as previous unsatisfactory account with Synch.

2/19: Approved for PayPal Cashback Rewards MC, $6k SL.

So, my denials in Jan 2019 make it look like I was on a blacklist, yet if so, why did they approve me back in Jan 2018? It could be that they don't blacklist across the board on their cards. Selective blacklisting maybe? Like I said above, no logic.

Which Synch cards were in your BK? Which Synch cards have you applied/denied for since? Did they hard pull you?

Re: Synchrony bank blacklist question?

kiea — Fri, 01 Mar 2019 23:05:02 GMT

I’m having the same issue with the denials. I think the wait time is 2 1/2 years.

Re: Synchrony bank blacklist question?

Anonymous — Fri, 01 Mar 2019 23:26:47 GMT

@JaseT wrote:
Depends/YMMV/No logic.

My timeline:

12/16: Filed BK7 (discharged 3/17) Included Synch Amazon Store Card.
1/18: Approved for Synch Lowes Card, $1k SL (currently @ $17k CL). I did close my $10k Lowes card just prior to filing BK.
1/19: Denied Amazon Store Card & PayPal Cashback Rewards MC. No hard pulls. Reason for both listed as previous unsatisfactory account with Synch.
2/19: Approved for PayPal Cashback Rewards MC, $6k SL.

So, my denials in Jan 2019 make it look like I was on a blacklist, yet if so, why did they approve me back in Jan 2018? It could be that they don't blacklist across the board on their cards. Selective blacklisting maybe? Like I said above, no logic.

Which Synch cards were in your BK? Which Synch cards have you applied/denied for since? Did they hard pull you?

Old Navy Visa, Ashley, Walmart, and Bp gas stations were included. I applied for Amazon, Paypal MC, Nissan, Old Navy, Walmart all denied. They did hard pull everytime I applied.

Re: Synchrony bank blacklist question?

Anonymous — Fri, 01 Mar 2019 23:27:47 GMT

@kiea wrote:
I’m having the same issue with the denials. I think the wait time is 2 1/2 years.

I think I read few post people getting back early. I think it depends on the amount.

Re: Synchrony bank blacklist question?

kiea — Sat, 02 Mar 2019 00:07:35 GMT

Oh okay. It will be 2 years for me next month. I plan on applying for Amazon & Walmart because those are the only places I really shop at. I’m scared to apply again because I was denied twice since filing due to Bankrutpcy.

Re: Synchrony bank blacklist question?

Anonymous — Mon, 02 Sep 2019 02:11:43 GMT

@kiea wrote:
I’m having the same issue with the denials. I think the wait time is 2 1/2 years.

They finally let me in.

Re: Synchrony bank blacklist question?

kiea — Mon, 02 Sep 2019 10:51:40 GMT

Congratulations. So it was about 2 1/2 years?

Re: Synchrony bank blacklist question?

recoveringfrombk7 — Sun, 20 Oct 2019 22:10:57 GMT

I burned a sync Walmart card for about 1900 (filed 7/18, DC 10/18) and they SP denied me with the unsatisfactory history reason 8/19 (TU 670, EQ 700, EX 690). Walmart is capital one now I think. I get 5% back with discover this quarter for Amazon, but eventually would like to get the Amazon card. The 2.5 year waiting period will work since I'm gardening right now anyhow. I burned target for 2500 and they gave me 2000 around 6 months after bk.

Re: Synchrony bank blacklist question?

Meanmchine — Mon, 21 Oct 2019 01:45:39 GMT

Its been almost 8 months since the original post and Im wondering if OP has tried for a Synch catf since then and what result did you get

Re: Synchrony bank blacklist question?

FinStar — Mon, 21 Oct 2019 15:25:49 GMT

@Meanmchine wrote:
Its been almost 8 months since the original post and Im wondering if OP has tried for a Synch catf since then and what result did you get

It appears the OP confirmed that on post #8 in September.

Re: Synchrony bank blacklist question?

spiritcraft1 — Mon, 21 Oct 2019 16:46:52 GMT

@Anonymous wrote:
They finally let me in.

Nice! Was that PP Mastercard your in with them?

Re: Synchrony bank blacklist question?

Anonymous — Wed, 12 Feb 2020 01:41:06 GMT

@Meanmchine wrote:
Its been almost 8 months since the original post and Im wondering if OP has tried for a Synch catf since then and what result did you get

They did let me back in.