topic Re: Synchrony Bank Credit Cards in Credit Card Applications

Synchrony Bank Credit Cards

Anonymous — Wed, 17 Jun 2015 05:42:19 GMT

Just wondering how hard is it to get Synchrony Bank CC after recent BK7?

Re: Synchrony Bank Credit Cards

Anonymous — Wed, 17 Jun 2015 13:42:43 GMT

@Anonymous wrote:
Just wondering how hard is it to get Synchrony Bank CC after recent BK7?

Welcome to MyFico. How fresh is your BK? Where they included in it?

Re: Synchrony Bank Credit Cards

Kb109 — Wed, 17 Jun 2015 15:26:04 GMT

The only SB card I have experience with is Care Credit. From what I've seen, it looks like they are very easy to get approved. However, did you include them in your bankruptcy? That could have a lot to do with their decision...

Re: Synchrony Bank Credit Cards

Anonymous — Wed, 17 Jun 2015 19:29:04 GMT

Mine is few months old and they were not included.Tried Walmart CC, no luck so far. Called recon # it was ridiculous, got transferred to one of those countries overseas, quality of the call was horrible and they hung up on me

Re: Synchrony Bank Credit Cards

Superman85 — Wed, 17 Jun 2015 19:33:48 GMT

I would suggest you start with a secured credit card. Wells Fargo is pretty good about overlooking baddies on your credit report when you apply for their secured card.

Re: Synchrony Bank Credit Cards

SunriseEarth — Wed, 17 Jun 2015 21:44:29 GMT

@Anonymous wrote:
Just wondering how hard is it to get Synchrony Bank CC after recent BK7?

The old rule of thumb was that you needed to be 2+ years out of BK for Synchrony. However, there have been many reported successes before that timeframe. YMMV.

Re: Synchrony Bank Credit Cards

Anonymous — Sat, 27 Jun 2015 03:40:17 GMT

Seems like rule 2+ years applies to a lot of banks, except big sharks like Chase, Citi etc.

Re: Synchrony Bank Credit Cards

jennyandjohn2 — Sat, 27 Jun 2015 16:23:25 GMT

My Bk was final last year and I included a bunch of synchrony accounts and I was approved this month for Walmart, CareCredit and Amazon.. All instant approvals.. So there is definitely a chance.

Re: Synchrony Bank Credit Cards

Existentialist — Mon, 29 Jun 2015 19:39:03 GMT

Bankruptcy still too fresh. Mind U overall profile is certainly a consideration but generally speaking no go. Assuming a solid profile otherwise U may want to try again 6-12mo's but as an alternative in the meantime I agree, secured cc is viable option to consider (assuming U havent already).

Re: Synchrony Bank Credit Cards

Anonymous — Mon, 29 Jun 2015 22:02:55 GMT

@Existentialist wrote:
Bankruptcy still too fresh. Mind U overall profile is certainly a consideration but generally speaking no go. Assuming a solid profile otherwise U may want to try again 6-12mo's but as an alternative in the meantime I agree, secured cc is viable option to consider (assuming U havent already).

Thanks

I have couple CC's already and trying to get secured one as well, so probably would make sense to make about 6-12 payments and then reapply.

Can anyone share their experience about Synchrony Bank CC customer service? Do all CC's have call center overseas? Just curious because my experience with Walmart was terrible

Re: Synchrony Bank Credit Cards

Existentialist — Tue, 30 Jun 2015 00:12:57 GMT

@Anonymous wrote:
@Existentialist wrote:
Bankruptcy still too fresh. Mind U overall profile is certainly a consideration but generally speaking no go. Assuming a solid profile otherwise U may want to try again 6-12mo's but as an alternative in the meantime I agree, secured cc is viable option to consider (assuming U havent already).
Thanks
I have couple CC's already and trying to get secured one as well, so probably would make sense to make about 6-12 payments and then reapply.
Can anyone share their experience about Synchrony Bank CC customer service? Do all CC's have call center overseas? Just curious because my experience with Walmart was terrible

@Sounds like a plan. As for CS's, most arent very good, some are better than others and a handful are exceptional. Still, catch them on a bad day and even the best can be frustrating to say the least. Synch probably falls somewhere in the middle although I understand Synch chat is particularly positive. It really all depends on the individual's experience with them (so a subjective analysis @ best). As a general rule I find it is important to exercise a great deal of patience when dealing with 'ANY' CS dept (cuz its so easy to get frustrated with them). But I s'pose U already know that.

Re: Synchrony Bank Credit Cards

Anonymous — Tue, 30 Jun 2015 00:21:55 GMT

@Existentialist wrote:
@Anonymous wrote:
@Existentialist wrote:
Bankruptcy still too fresh. Mind U overall profile is certainly a consideration but generally speaking no go. Assuming a solid profile otherwise U may want to try again 6-12mo's but as an alternative in the meantime I agree, secured cc is viable option to consider (assuming U havent already).
Thanks
I have couple CC's already and trying to get secured one as well, so probably would make sense to make about 6-12 payments and then reapply.
Can anyone share their experience about Synchrony Bank CC customer service? Do all CC's have call center overseas? Just curious because my experience with Walmart was terrible
@Sounds like a plan. As for CS's, most arent very good, some are better than others and a handful are exceptional. Still, catch them on a bad day and even the best can be frustrating to say the least. Synch probably falls somewhere in the middle although I understand Synch chat is particularly positive. It really all depends on the individual's experience with them (so a subjective analysis @ best). As a general rule I find it is important to exercise a great deal of patience when dealing with 'ANY' CS dept (cuz its so easy to get frustrated with them). But I s'pose U already know that.

100 % agreed. Patience is a virtue. A lot of CC's customer service centers are not in the best shape. I guess just staying positive is the key

Re: Synchrony Bank Credit Cards

Pway — Tue, 30 Jun 2015 00:30:31 GMT

Sync bank is funny. I burned them for one card im my bk. I've tried applying for their cards and I get straight denied. I just don't understand. However, I will not waste another HP with this bank. I will wait a couple more eyars and see, but just not at this moment. Others get approved right away while others wait for a year or longer to get back in with them. It's certainly a case by case basis.

Good Luck

Re: Synchrony Bank Credit Cards

Anonymous — Tue, 30 Jun 2015 00:43:09 GMT

@Pway wrote:
Sync bank is funny. I burned them for one card im my bk. I've tried applying for their cards and I get straight denied. I just don't understand. However, I will not waste another HP with this bank. I will wait a couple more eyars and see, but just not at this moment. Others get approved right away while others wait for a year or longer to get back in with them. It's certainly a case by case basis.

Good Luck

I didn't include them in my Bk but still getting flat out denials. Even to check your app status I was transfered to some 19th century call center where they just hung up on me

Re: Synchrony Bank Credit Cards

Anonymous — Tue, 30 Jun 2015 00:55:25 GMT

About 1 month after ,y BK discharged last fall I apped for Walmart and was denied, tried again 6 weeks later after seeing people with scores 100 points lower than mine get approved....denied again. Then I tried again a month later, still denied. I assumed I just wasn't goinmg to get any Sync cards. Then about 3 weeks ago I got a pre-approval from Walmart in the mail, I went online and put in the approval number and got the card. It didn't have a SL so I called the 800 # and gave them some info and they told me it was for $1000. My BK is only 9 months old, be patient. Sync does come around.

Re: Synchrony Bank Credit Cards

Anonymous — Tue, 30 Jun 2015 01:04:54 GMT

Funny story.

Interesting fact is that my score is way above some of the contributors with Synch and they were not included in my bk, however I am not welcome. Probably they might start attacking me with pre app letters after some time

Re: Synchrony Bank Credit Cards

SunriseEarth — Tue, 30 Jun 2015 01:09:03 GMT

@Anonymous wrote:
Just wondering how hard is it to get Synchrony Bank CC after recent BK7?

The old rule of thumb was that you needed to be 2+ years out of BK. Some members have had success earlier, so it's YMMV.

Re: Synchrony Bank Credit Cards

olehammer — Thu, 12 Nov 2015 16:53:07 GMT

Good to know all, thank you!

Re: Synchrony Bank Credit Cards

Shawndoe79 — Thu, 12 Nov 2015 16:59:58 GMT

@Anonymous wrote:
Just wondering how hard is it to get Synchrony Bank CC after recent BK7?

I included like 8-10 synchrongy cards in my BK7 back in january, was denied walmart, lowes, and ashely furniture every other month since May, then got a pre selected mailer from Belk the beginning of October and was approved, so in my case, 10 months.

Re: Synchrony Bank Credit Cards

Anonymous — Thu, 12 Nov 2015 17:06:11 GMT

DH IIB CareCredit. Discharge was in July 2014. DH applied for an Amazon Store card this last March. Approved for $800. Then last month, through Chat, he was approved for a new CL of $3.5K. It's very possible to get in with Sync. Pay attention to your scores, inquiries, utilization, etc. It may take some time, but you'll get there eventually. Most of all, be patient and good things will happen.