topic Re: Synchrony Venmo Visa: Reapplying after shutdown in Credit Card Applications

Synchrony Venmo Visa: Reapplying after shutdown

TyrannicalDuncery3 — Tue, 23 Dec 2025 01:07:44 GMT

2 months ago my Venmo Visa got shut down. It was in good standing and paid in full.
At the time of the shutdown, Synchrony told me that I could reapply.
But my Venmo Visa still shows up in the Venmo app, and that seemingly blocks me from reapplying.
Today, Synchrony CSR said that I could reapply in 6 to 12 months because it still shows on their end that I have an active Venmo Visa.
They said that in 6 to 12 months, that "active card" would go away, and my card should also disappear from the Venmo app. And that should allow me to reapply. Does that sound right?

If you give me a good answer, I'll tell you why I think I got shut down

Re: Synchrony Venmo Visa: Reapplying after shutdown

Vinjints — Tue, 23 Dec 2025 01:23:33 GMT

No, it doesn't.

But that's a good and correct answer. So why'd you get shut down?

Re: Synchrony Venmo Visa: Reapplying after shutdown

FicoMike0 — Tue, 23 Dec 2025 02:05:54 GMT

Maybe you should report it lost and ask for a replacement.

Re: Synchrony Venmo Visa: Reapplying after shutdown

TyrannicalDuncery3 — Tue, 23 Dec 2025 04:07:55 GMT

But that's a good and correct answer.

I'll be the judge of that

It's a great story too, I tell you what!

Re: Synchrony Venmo Visa: Reapplying after shutdown

ElvisCaprice — Tue, 23 Dec 2025 08:07:53 GMT

@TyrannicalDuncery3 wrote:
2 months ago my Venmo Visa got shut down. It was in good standing and paid in full.
At the time of the shutdown, Synchrony told me that I could reapply.
But my Venmo Visa still shows up in the Venmo app, and that seemingly blocks me from reapplying.
Today, Synchrony CSR said that I could reapply in 6 to 12 months because it still shows on their end that I have an active Venmo Visa.
They said that in 6 to 12 months, that "active card" would go away, and my card should also disappear from the Venmo app. And that should allow me to reapply. Does that sound right?
If you give me a good answer, I'll tell you why I think I got shut down

No, it doesn't sound right. Who would go back to Synchrony? Sounds sadistic.

Re: Synchrony Venmo Visa: Reapplying after shutdown

Patient957 — Tue, 23 Dec 2025 16:56:18 GMT

@TyrannicalDuncery3 wrote:

Does that sound right?

If you give me a good answer, I'll tell you why I think I got shut down

It sounds so wrong that I'm I'm not even sure you have your own story straight, to be honest.

Re: Synchrony Venmo Visa: Reapplying after shutdown

TyrannicalDuncery3 — Tue, 23 Dec 2025 19:35:11 GMT

It sounds so wrong that I'm I'm not even sure you have your own story straight, to be honest.

You and me both!! So what do you think is the real answer?

Re: Synchrony Venmo Visa: Reapplying after shutdown

northway — Tue, 23 Dec 2025 22:22:02 GMT

It's entirely accurate. Once a Synchrony account has been closed, whether voluntarily or involuntarily, you cannot reapply for the same product for 12 months from the date of closure. Any attempt to apply before then will be met with a rejection.

It also has the effect of keeping people from churning SUBs and 0% offers constantly.

Re: Synchrony Venmo Visa: Reapplying after shutdown

FicoMike0 — Tue, 23 Dec 2025 23:15:54 GMT

So, it's just a sync thing. That's believable.

Re: Synchrony Venmo Visa: Reapplying after shutdown

TyrannicalDuncery3 — Wed, 24 Dec 2025 01:22:51 GMT

Thanks! Now that you said that, I see someone else saying that a long time ago: https://ficoforums.myfico.com/t5/Credit-Cards/Account-closed-due-to-Inactivity-Synchrony/td-p/4319489

Doesn't mean it's true, but it means I find it CREDIBLE ENOUGH TO TELL YOU THE STORY!!!!

Okay so here's how I got shut down:

applied for 2 cards in a spree within several days (one was the Venmo);
spent ~$950 total on the card over the course of a month
paid it off several times using one-time payments
of that, $520 was paying my therapist using Square point-of-sale.

So I think they either didn't like Square, or they didn't like the one-time payments, or they didn't like the 2 cards in a row.

Re: Synchrony Venmo Visa: Reapplying after shutdown

crystal626 — Fri, 26 Dec 2025 07:01:03 GMT

@TyrannicalDuncery3 wrote:
Thanks! Now that you said that, I see someone else saying that a long time ago: https://ficoforums.myfico.com/t5/Credit-Cards/Account-closed-due-to-Inactivity-Synchrony/td-p/4319489

Doesn't mean it's true, but it means I find it CREDIBLE ENOUGH TO TELL YOU THE STORY!!!!

Okay so here's how I got shut down:
applied for 2 cards in a spree within several days (one was the Venmo);
spent ~$950 total on the card over the course of a month
paid it off several times using one-time payments
of that, $520 was paying my therapist using Square point-of-sale.
So I think they either didn't like Square, or they didn't like the one-time payments, or they didn't like the 2 cards in a row.

Synchrony more than most issuers is going to be looking for regular consumer behavior. Most regular consumers don't open multiple cards in a row, most consumers wait for their statement before they pay... I highly doubt paying the therapist had anything to do with it but making multiple payments in a month can signal inconsistent income or fear of spending too much money and being unable to pay it off, neither of which inspires confidence that you won't default and leave them holding the bag.

I have never had Synchrony shut me down but I don't give them a reason to either. I let them give me auto-CLIs instead of requesting them, I don't do sprees with their cards, I keep myself to 2 Sync cards, I pay my statement instead of making any other payments, I have autopay turned on with my minimum payment for each card, etc.

Now you might ask why I would want to do business with a lender like this and you would be right normally but I get enough value from my Verizon and PayPal cards for my specific situation that I don't mind and truthfully I manage all of my cards quite similarly other than requesting credit limit increases anyway.