topic Re: Amazon/GE/synchrony bank? in Credit Card Applications

Amazon/GE/synchrony bank?

Anonymous — Tue, 10 Feb 2015 00:46:06 GMT

How forgiving are they? I burned them on a care credit card years ago. I wonder If they blacklist you?

Re: Amazon/GE/synchrony bank?

Anonymous — Tue, 10 Feb 2015 00:56:45 GMT

What CRA do they pull as well?

Re: Amazon/GE/synchrony bank?

gdale6 — Tue, 10 Feb 2015 00:59:18 GMT

They forgive after a period of time. They are primarily a TU puller but can also pull the other 2.

Re: Amazon/GE/synchrony bank?

Anonymous — Tue, 10 Feb 2015 01:12:10 GMT

Couldn't resist. Got 7 to 10 day letter. I need to have some self control!

Re: Amazon/GE/synchrony bank?

Creditaddict — Tue, 10 Feb 2015 01:56:09 GMT

did you burn them in a BK or is carecredit still on your credit report unpaid?

Re: Amazon/GE/synchrony bank?

Anonymous — Tue, 10 Feb 2015 03:22:01 GMT

@Creditaddict wrote:
did you burn them in a BK or is carecredit still on your credit report unpaid?

It's still unpaid. It's about six years old. I think it's charged off in collections. I can try a PDF in a couple of months.

Re: Amazon/GE/synchrony bank?

Creditaddict — Tue, 10 Feb 2015 03:34:16 GMT

If it's 6 years old wait for it to drop off at 7 and all willve forgotten

Re: Amazon/GE/synchrony bank?

App_Addict — Tue, 10 Feb 2015 03:49:17 GMT

@Anonymous wrote:
Couldn't resist. Got 7 to 10 day letter. I need to have some self control!

Sometimes the itch just needs to be scratched! Don't beat yourself up, the not knowing can be just as bad.

Re: Amazon/GE/synchrony bank?

BSL1229 — Fri, 13 Mar 2015 12:21:29 GMT

I burned GAP/GE back in 2008 due to financial difficulties, it was charged off & never paid. It's fallen off of Equifax & Transunion as of last month & is set to fall off April 1, 2015 of Experian.

I tried applying for a JCPenney credit card last month & was denied stating my history with Synchrony Bank is not good.

Do you think I need to wait for the GAP to fall off of Experian before trying to get my foot in the door with Synchrony again? How soon after do they forgive?

Plus, they have written it off, I even had to claim it on my taxes this year as income.

Same thing goes for my Husband, he burned Old Navy/GE back in 2008 also & his have fallen off of ALL 3 credit bureaus & he STILL CAN'T get back in with Synchrony.

What can we do?

Any advice is greatly appreciated. Thanks!

Re: Amazon/GE/synchrony bank?

Chrisla2077 — Sun, 15 Mar 2015 00:05:50 GMT

I burned GE on a CareCredit card back in 2009....it's still unpaid ..and recently I was approved for Amazon, American Eagle, and Walmart through Synchrony.

Re: Amazon/GE/synchrony bank?

BSL1229 — Sun, 15 Mar 2015 08:48:32 GMT

Hi, thanks for letting me know. Are they still reporting on all of your credit reports as unpaid? What are your current credit scores? For some reason, Synchrony won't let us back in yet.