topic Re: Synchrony Application Limit? in Credit Card Applications

Synchrony Application Limit?

iph2911 — Tue, 13 Jan 2026 14:30:43 GMT

Hi everyone!

I was recently approved for a few store cards backed by Synchrony. about 2 months has passed and I applied for another card and received an email a few days later with a code to check the status, which says reason for denial is too many accounts of this typed opened recently.

Does anyone know if there's a limit or is there a specific amount of time before Sync will approve additional applications?

Re: Synchrony Application Limit?

crystal626 — Tue, 13 Jan 2026 22:45:09 GMT

I would wait at least 6 months but keep in mind that Synchrony is not shy about closing all cards you have with them if they think you're too risky. I try to keep to having 2 Sync cards at any given time to avoid that possibility. I would think carefully about the value you get from these cards before opening more.

Re: Synchrony Application Limit?

SusanJA — Wed, 14 Jan 2026 00:02:40 GMT

Interesting. Definitely wait at least a few months. Or try a different issuer.

Re: Synchrony Application Limit?

iph2911 — Wed, 14 Jan 2026 22:42:34 GMT

@crystal626 wrote:
I would wait at least 6 months but keep in mind that Synchrony is not shy about closing all cards you have with them if they think you're too risky. I try to keep to having 2 Sync cards at any given time to avoid that possibility. I would think carefully about the value you get from these cards before opening more.

I've read that about them, and I don't plan on trying for a bunch more, but I would to try for the Walmart card. I appreciate the reply.