topic Re: Synchrony Home Approval????? in Credit Card Applications

Synchrony Home Approval?????

dance530 — Wed, 03 Apr 2019 21:52:43 GMT

Has anyone had any success with the Synchrony Home Card? If so, do you mind sharing your data points? I am planning to go gardening, but want to do some home renovations first.

Since Ive had some recent approval success with my TU score, I have decided on Synchrony since the group says thats what they pull. Or for the "credit seasoned" in the group, do you think I would have better luck applying for each individual store, like Lowes or Ashley's Home Store?

Re: Synchrony Home Approval?????

Jnbmom — Wed, 03 Apr 2019 22:12:30 GMT

What is your TU Fico score? I have no experience with that particular card. Synch pulls TU OR Exp, at least in my experience. Its not exclusive to TU.

Re: Synchrony Home Approval?????

dance530 — Wed, 03 Apr 2019 22:23:38 GMT

@Jnbmom wrote:
What is your TU Fico score? I have no experience with that particular card. Synch pulls TU OR Exp, at least in my experience. Its not exclusive to TU.

Thank you for replying. My TU is 656 - Fico08. 4/2/19; EX is 608 - FICO08.

Re: Synchrony Home Approval?????

Anonymous — Wed, 03 Apr 2019 22:36:09 GMT

Sounds like an awesome idea for a card. It can be used in as many places as a major credit card. Unfortunately, the 29.99% APR makes it a no-go for me.

Re: Synchrony Home Approval?????

dance530 — Wed, 03 Apr 2019 22:45:38 GMT

@Anonymous wrote:
Sounds like an awesome idea for a card. It can be used in as many places as a major credit card. Unfortunately, the 29.99% APR makes it a no-go for me.

Thank you for your reply. Im just trying to think of ways to decrease HPs. :-)

Re: Synchrony Home Approval?????

Anonymous — Wed, 03 Apr 2019 23:00:15 GMT

@dance530 wrote:
Thank you for your reply. Im just trying to think of ways to decrease HPs. :-)

To be honest, most Synchrony CCs have insane interest rates so if you want one this is your best bet.

Re: Synchrony Home Approval?????

chiefone4u — Thu, 04 Apr 2019 03:18:41 GMT

Synchrony home is the same as Ashley's and Mattress Firm. They recently changed the single store card to work at multiple stores offering the same promotional financing the old card had.

It seems to be relatively easy to get when applying in store. I was denied online one day and the very next I applied at Mattress Firm (not realizing it was the same card) and was approved for $3000 limit.

Ask for a reasonable but large limit, they will counter (i asked for $3,500 -- planned on spending $1,000 and didn't want to charge more than 30%).

Best of luck!

P.s.
Be careful with promotional financing, interest begins accruing on day one at 29.99% and is added to the balance if not paid in full before the expiration date-- multiple promotional financing will require a phone call to pay off if they expire at different times.

Payments seem to be thrown at random purchases if payments are above minimum due.

Re: Synchrony Home Approval?????

MyDataMyChoice — Thu, 04 Apr 2019 13:06:21 GMT

I found even tho the cards were 'single store' say ethan allens or local mattress... the cards would work interchangeably even a few years ago.. they are just making it know that they now do.

Re: Synchrony Home Approval?????

howellco2 — Thu, 04 Apr 2019 22:36:40 GMT

I'd go with just lowes and use the special financing I had a lowes card started out with a 300 limit 3 months later 1200 I just got it raised to 12k last night

Re: Synchrony Home Approval?????

Anonymous — Sun, 22 Dec 2019 16:17:30 GMT

Hello @dance530 I just stumbled across your thread and was wondering did you ever get approved & if so what was your scores if you don’t mind me asking??

Re: Synchrony Home Approval?????

Remedios — Sun, 22 Dec 2019 22:17:54 GMT

@Anonymous this is a very old thread and the OP hasn't been around since May.

I suggest you start your own thread with any questions you may have