topic Re: Synchrony Bank and Comenity Bank in Credit Card Applications

Synchrony Bank and Comenity Bank

Anonymous — Thu, 04 Jun 2015 11:32:24 GMT

I'm confused. Maybe WalMart isn't as strict with their expectations, but how is it that you can apply for cards that are backed by the same bank and only get approved for certain ones. I have a WalMart card but got denied for Old Navy and TJMaxx with a TU score of 605. I have gotten the same results from Comenity Bank and I have 2 of their cards and all are in good standing without a balance. How do they pick and chose where you get credit at and would they allow you to switch cards out for others??? That may be a crazy question but I have read others switch cards out for others but it wasn't store cards.

Re: Synchrony Bank and Comenity Bank

schsa210 — Thu, 04 Jun 2015 13:39:21 GMT

Excellent question. With Comenity, I have a few cards, hit the luv button on them all, one I got a few increases, others, received messages stating i haven't had the card long enough, other card stated due to my credit report. So I found that kinda odd also. You would think that would have access to view all cards you have with Comenity, but I guess not.

As far as Synchrony goes, I was always denied increases on my WalMart card when done online, but first time speaking with a rep over the phone, within a few minutes, I was given the limit I requested, originally thinking they would counter with a lower limit. Will call again in about 5 months to request a larger limit.

Re: Synchrony Bank and Comenity Bank

Anonymous — Thu, 04 Jun 2015 13:50:24 GMT

Well I haven't had them long enough I don't think to ask for CLI. I have read that some have as soon as they get approved. I'm going to uses them and pay off a few times then ask. Lol.

Re: Synchrony Bank and Comenity Bank

schsa210 — Thu, 04 Jun 2015 14:43:02 GMT

Good idea and keep us posted.

Re: Synchrony Bank and Comenity Bank

Anonymous — Thu, 04 Jun 2015 15:02:32 GMT

That, my friend, is an excellent/valid point.

I recently was checking out at Sam's Club. This woman walking around with a clipboard said I could save $50 off $100 by applying for their Sam's Club Mastercard. Paired with my plus membership I'd also get an extra 1% back.

So after applying, I get denied the mastercard, but was offered the Sam's Club Private Label cc with a CL of $1,200. What was I going to do? Let them HP me and walk away? I just said fine even though I will probably NEVER use it. It is accepted at walmart. Yet when I tried using it online, NO DICE!

Re: Synchrony Bank and Comenity Bank

Anonymous — Thu, 04 Jun 2015 15:44:58 GMT

Exactly!!!! I have the WalMart store card can be used at Sams but can't be used online at Sams. That is the craziest thing ever! They almost got me to sign up for a card at Sams but I declined because I have the WalMart already and can be used at both stores what would be the point if I only get approved for the Sams private label.

Re: Synchrony Bank and Comenity Bank

Anonymous — Thu, 04 Jun 2015 15:45:49 GMT

I sure will. Maybe in a few months I will get a CLI from VS and Lane Bryant.

Re: Synchrony Bank and Comenity Bank

Anonymous — Thu, 04 Jun 2015 16:14:59 GMT

Try a 76 personal card or chevron. Owning those put me in great with synchony. also, denial of a gas card would not make me mad like a store card I actually wanted to shop at.

Re: Synchrony Bank and Comenity Bank

Anonymous — Thu, 04 Jun 2015 16:32:41 GMT

@Anonymous wrote:
Try a 76 personal card or chevron. Owning those put me in great with synchony. also, denial of a gas card would not make me mad like a store card I actually wanted to shop at.

I applied for the Chevron/Texaco card a day or so ago and got the message that I will receive a response via email so I take that as a denied. I guess I will just stick with Walmart with them since Synchony doesn't seem to want to give me anything else right now.

Re: Synchrony Bank and Comenity Bank

Anonymous — Fri, 26 Jun 2015 02:09:25 GMT

@Anonymous wrote:
@Anonymous wrote:
Try a 76 personal card or chevron. Owning those put me in great with synchony. also, denial of a gas card would not make me mad like a store card I actually wanted to shop at.
I applied for the Chevron/Texaco card a day or so ago and got the message that I will receive a response via email so I take that as a denied. I guess I will just stick with Walmart with them since Synchony doesn't seem to want to give me anything else right now.

On a positive note, they do SP CLI. Let your accounts age and then app again. Good luck!!!

Re: Synchrony Bank and Comenity Bank

Anonymous — Fri, 26 Jun 2015 02:59:11 GMT

Don't be discouraged with the 7-10 days letter sometimes they are actually an approval letter needing you to verify some info. Also I have had my Walmart card since the end of May and in the last 24 hours it has gone from $900 credit limit to a $6000 limit. I have only used $504 on the card and paid it off the week before the statement cut. Use your Walmart card a time or two pay it in full and then use the chat feature to get your limit increased. It has worked for me this week on several of my SYNC store cards. Low limits now are 5,000.

Re: Synchrony Bank and Comenity Bank

Anonymous — Fri, 26 Jun 2015 03:22:33 GMT

That's what I'm doing. I'll use them and pay off in full. So I'll just wait it out

Re: Synchrony Bank and Comenity Bank

Anonymous — Fri, 26 Jun 2015 03:31:47 GMT

I just used the Walmart card at SAMs club for household supplies and gas. We're going to pay the balance off tomorrow.

Re: Synchrony Bank and Comenity Bank

DeadlyPersona — Fri, 26 Jun 2015 03:57:41 GMT

It was interesting reading this post, especially for those who stated they can use the Wal-Mart card at Sam's Club. I have a Wal-Mart credit card and a Sam's credit card...neither are the mastercard versions. I can use my Sam's card at Wal-Mart but I can't use my Wal-Mart card at Sam's.

Both cards allow me to get cash back and I do like to take advantages of the gas prices from each locations whenever possible. I started off with low limits but via chat I am now over the $5,000 limit with both cards.

Re: Synchrony Bank and Comenity Bank

Anonymous — Fri, 26 Jun 2015 11:27:10 GMT

That's really weird that you can't use your Walmart card at Sam's. I have both and have not had a problem yet. Have you contacted Synchrony Bank about that cause they are supposed to be interchangeable. Haven't bought anything online however, so don't know if that will work. Most times when I buy something online, Amazon is my go to place. I like chat also. Every time I call in they try to convince me to try the luv button. Just got Sam's this month, so I'm waiting for a statement to cut, to request a CLI , that's seems to work the best for me. Wish I could do like others and get the increases at activation, but guess I'm just not the special, but whatever works is all good.