topic Re: Crazy Synch Bank Banana Repulic CLI Decline Letter in Credit Card Applications

Crazy Synch Bank Banana Repulic CLI Decline Letter

ddemari — Tue, 27 Oct 2015 16:47:16 GMT

Most of us know the white and red envelope that comes from sych bank all too well. At periods in time they will come back with some crazy response to why they cant raise limit. I have had this card for 15 months, NEVER EVER late or over the limit lol. its been a long time since they gave me LUV and its not a card that I just let collect dust.

Just found their phrasing, use of all CAPS and reasons amusing on this letter.

Re: Crazy Synch Bank Banana Repulic CLI Decline Letter

Anonymous — Tue, 27 Oct 2015 16:57:19 GMT

It is crazy but I still see through it. They don't like slow pay. If you bounced on the credit limit some banks see it worse than others. I think Capital One runs their show very similarly. For example if you have hit the limit on a Capital One Account it becomes not elgible for an account combination without a lot of phone calls

Re: Crazy Synch Bank Banana Repulic CLI Decline Letter

ddemari — Tue, 27 Oct 2015 17:03:42 GMT

4,000.00 limit and ive never run up a balance over 400 dollars and I never have paid a dime of interest. I also have a high TU score and clean report. its non sense jargon. I cant see throught it because none of it is correct.

Re: Crazy Synch Bank Banana Repulic CLI Decline Letter

Hokies2379 — Tue, 27 Oct 2015 18:37:15 GMT

My wife had something similar on an Old Navy cli request. It was 4 completely contradicting statements.

Re: Crazy Synch Bank Banana Repulic CLI Decline Letter

ddemari — Tue, 27 Oct 2015 18:40:14 GMT

Yes contradicting thank u!! Completely off on their end. They have been sending apology decline letters saying your request may have been interrupted sorry. But still declined lol

Re: Crazy Synch Bank Banana Repulic CLI Decline Letter

CreditMagic7 — Wed, 28 Oct 2015 04:29:24 GMT

Some of those reasons can be completely off the cuff.

For example my CLI denial letter today included "proportion of loan balance to loan amounts is too high".

Hah ha. Both those installments are a mere months from meeting term and done. But whatever.

Re: Crazy Synch Bank Banana Repulic CLI Decline Letter

ddemari — Wed, 28 Oct 2015 05:55:43 GMT

Normally it comes saying; too many inquires, not enough debt experience, lack of premium bank cards. While inquires true the others are garbage.this letter every single thing is nothing close to the truth. Nothing and I know these happen weird denials but these are like blatantly just stupid lol

Re: Crazy Synch Bank Banana Repulic CLI Decline Letter

TekkenQQ7 — Wed, 28 Oct 2015 06:49:34 GMT

Sorry about your CLI denial, but now we know what to expect from synch bank

Re: Crazy Synch Bank Banana Repulic CLI Decline Letter

gibeon — Wed, 28 Oct 2015 13:19:20 GMT

I can't even figure out what they're trying to say with the first one... Does it mean you pay it off too fast?

I don't even open the envelopes with the red on top any more.

Re: Crazy Synch Bank Banana Repulic CLI Decline Letter

ddemari — Wed, 28 Oct 2015 14:08:53 GMT

lol I really look at them but this was a thin envelope so i looked at it. They are like a crazy person wrote them lol

Re: Crazy Synch Bank Banana Repulic CLI Decline Letter

ddemari — Wed, 28 Oct 2015 14:09:47 GMT

I pay too quick and over the limit too much due to balance decreases, okay?? Haha

Re: Crazy Synch Bank Banana Repulic CLI Decline Letter

Anonymous — Wed, 28 Oct 2015 18:14:57 GMT

You know, that almost seems like they sent you somebody else's denial letter.

Re: Crazy Synch Bank Banana Repulic CLI Decline Letter

ddemari — Wed, 28 Oct 2015 18:21:10 GMT

totally and it probably is the that, there is no credit score listed with also. it also came just as one page instead of the 3 pages of wasted paper. who knows, im not bothered by it I just find it off the hook crazy funny and random!

Re: Crazy Synch Bank Banana Repulic CLI Decline Letter

bodyboy1 — Thu, 29 Oct 2015 01:35:38 GMT

> It's a good thing i can't call these people on your behalf.. HEADS WOULD ROLL!> i would rip right into them, Espeacially when you use the card
@ddemari wrote:
4,000.00 limit and ive never run up a balance over 400 dollars and I never have paid a dime of interest. I also have a high TU score and clean report. its non sense jargon. I cant see throught it because none of it is correct.

Re: Crazy Synch Bank Banana Repulic CLI Decline Letter

joedtx — Thu, 29 Oct 2015 06:05:21 GMT

What you received is a non-sensical system generated message that is intended for all practical purposed to be an indirect message, basically they aren't making enough money off you.

Re: Crazy Synch Bank Banana Repulic CLI Decline Letter

Anonymous — Thu, 29 Oct 2015 16:01:57 GMT

This reads like, 'We have a reason for turning you down but we don't want anyone to know so here's some nonsense our computer came up with after we spilled a coke on the motherboard.'

Re: Crazy Synch Bank Banana Repulic CLI Decline Letter

Anonymous — Thu, 29 Oct 2015 16:07:50 GMT

Now that is one crazy letter. It is like the computer randomly chose several "reasons" off a list of reasons they send other people. Crazytown! (I have been saying that a lot lately with some of the posts.) lol

Re: Crazy Synch Bank Banana Repulic CLI Decline Letter

ddemari — Thu, 29 Oct 2015 16:14:52 GMT

crazytown! i am going to run an online purchase through it and see what they say next month!

Re: Crazy Synch Bank Banana Repulic CLI Decline Letter

Anonymous — Thu, 29 Oct 2015 16:22:22 GMT

@ddemari wrote:
crazytown! i am going to run an online purchase through it and see what they say next month!

Let us know!

Re: Crazy Synch Bank Banana Repulic CLI Decline Letter

Anonymous — Thu, 29 Oct 2015 16:24:40 GMT

Here are some other reasons why maybe?

* YOUR HEIGHT AND AGE ARE NOT IN LINE WITH WEIGHT TO HEIGH RATIO.

* IT'S WEDNESDAY

* WE DO NOT USE RECYCLED PAPER - PAPER DOES NOT MEET CREDIT APPROVAL CRITERIA

* EXCEPTIONAL PAYMENT HISTORY - TOO MANY PAYMENTS RECEIVED IN 90 DAYS

* FICO SCORE ABOVE 700 - TOO MANY ACCOUNTS IN GOOD STANDING