topic Re: Amazon card.. Synchrony? Chase? Difficulty level? in Bankruptcy

Amazon card.. Synchrony? Chase? Difficulty level?

Anonymous — Sat, 01 Apr 2017 04:18:17 GMT

dudes/dudettes,

I shop at amazon on the daily. It would be nice to get 5% back.

I noticed that some dudebros post about getting a synchrony Amazon card, and others post about Chase. Is there a way to choose which one I apply to somehow? I'm sure synchrony would be easier since Chase was IIB.

I was discharged around 7 months ago. Any tips/tricks/input would be appreciated.

Re: Amazon card.. Synchrony? Chase? Difficulty level?

GatorsFan84 — Sat, 01 Apr 2017 15:35:14 GMT

Hi,

You choose which card you want to apply for when you click apply. It gives you the option of either the visa or the store card.

The VISA is chase. The store card is Synch.

Chase difficulty level is over 9000. At least for me because I burned them in bk.

Synch is a little easier but they have been acting funky lately so might want to read around on the forums first.

Re: Amazon card.. Synchrony? Chase? Difficulty level?

Anonymous — Sat, 01 Apr 2017 21:27:57 GMT

@GatorsFan84 wrote:
Hi,

You choose which card you want to apply for when you click apply. It gives you the option of either the visa or the store card.

The VISA is chase. The store card is Synch.

Chase difficulty level is over 9000. At least for me because I burned them in bk.

Synch is a little easier but they have been acting funky lately so might want to read around on the forums first.

Synch says no bankruptcies. They bluffing?

Re: Amazon card.. Synchrony? Chase? Difficulty level?

Anonymous — Sat, 01 Apr 2017 21:28:59 GMT

double post deleted

Re: Amazon card.. Synchrony? Chase? Difficulty level?

Anonymous — Sat, 01 Apr 2017 23:08:38 GMT

They denied me for both Amazon and Wal-Mart after bankruptcy.

Re: Amazon card.. Synchrony? Chase? Difficulty level?

TXinandout — Sat, 01 Apr 2017 23:28:39 GMT

I was approved by Walmart and Lowes 7 months post discharge bk and synchrony was iib, my TU score was 650.

Re: Amazon card.. Synchrony? Chase? Difficulty level?

bstone — Sun, 02 Apr 2017 18:30:48 GMT

Apply for the Amazon store card (not the Visa). You will not be approved for Chase until many years post BK.

I don't recall when I was approved, but Amazon approved me within a few months after our discharge for a around $500 or so (IIRC), that card is now at $4,000 about 18 months later.

Lowe's is also Synchrony, as is Walmart, Care Credit and many others. You can see in my signature they have been very generous to me way less than two years post BK.

Re: Amazon card.. Synchrony? Chase? Difficulty level?

Anonymous — Sun, 02 Apr 2017 19:11:51 GMT

Good advice. Thanks.

I wonder if I can apply for a bunch of Synchrony cards at once and only waste one HP?

Re: Amazon card.. Synchrony? Chase? Difficulty level?

Anonymous — Sun, 02 Apr 2017 22:24:41 GMT

@Anonymous wrote:
Good advice. Thanks.

I wonder if I can apply for a bunch of Synchrony cards at once and only waste one HP?

Nah brah. 1 Pull. 1 Card. No combining with Sync.

I am the Jon Snow of Bankruptcy. I know nothing. I do know how/when/where Synchrony Bank Hardpulls for credit.

Re: Amazon card.. Synchrony? Chase? Difficulty level?

Anonymous — Mon, 03 Apr 2017 01:20:03 GMT

Lame they should work on their algorithm. Thanks for the info

Re: Amazon card.. Synchrony? Chase? Difficulty level?

Anonymous — Mon, 03 Apr 2017 18:11:14 GMT

I was about 8 months post 13 discharge and approved for $800 for Sync/Amazon. Now I am up to $3000 and I barely use it

Re: Amazon card.. Synchrony? Chase? Difficulty level?

Anonymous — Thu, 06 Apr 2017 15:59:05 GMT

I was approved approximately 24 months post-BK discharge for $800 on the Synchrony store card, so if you heard that they're not accepting people with bankruptcies, then you heard wrong. I agree about Chase, though - they're pretty strict and I did burn them in my 2014 BK so there's no point for me to apply to them for quite a while yet.

Re: Amazon card.. Synchrony? Chase? Difficulty level?

Anonymous — Fri, 28 Apr 2017 19:55:51 GMT

Figured I'd tack on my quetion here, but I am curious about my chances getting back with them.

I burned them for $800 in my CH7 bk, filed March '16 and discharged June '16.

Scores in sig are updated as of today (pulled from myfico 3B).

Re: Amazon card.. Synchrony? Chase? Difficulty level?

Anonymous — Mon, 01 May 2017 12:42:45 GMT

@Anonymous wrote:
Figured I'd tack on my quetion here, but I am curious about my chances getting back with them.

I burned them for $800 in my CH7 bk, filed March '16 and discharged June '16.

Scores in sig are updated as of today (pulled from myfico 3B).

Who did you burn - Chase or Synchrony? As I said, Chase is very hard-line about past BK's particularly if they got burned. I don't know what Synchrony's policies are.

More generally, I'd advise you to get a good secured card - Capital One or, even better, Discover, as soon as you can so you don't have to rely on the rebuilder cards (Credit One and Indigo) that you currently have.

Re: Amazon card.. Synchrony? Chase? Difficulty level?

Scupra — Fri, 05 May 2017 16:58:59 GMT

@Anonymous wrote:
I was approved approximately 24 months post-BK discharge for $800 on the Synchrony store card, so if you heard that they're not accepting people with bankruptcies, then you heard wrong. I agree about Chase, though - they're pretty strict and I did burn them in my 2014 BK so there's no point for me to apply to them for quite a while yet.

Depending on how much you burned Chase for, they could end up surprising you with a small approval

Re: Amazon card.. Synchrony? Chase? Difficulty level?

Anonymous — Fri, 05 May 2017 18:53:24 GMT

@Scupra wrote:
@Anonymous wrote:
I was approved approximately 24 months post-BK discharge for $800 on the Synchrony store card, so if you heard that they're not accepting people with bankruptcies, then you heard wrong. I agree about Chase, though - they're pretty strict and I did burn them in my 2014 BK so there's no point for me to apply to them for quite a while yet.
Depending on how much you burned Chase for, they could end up surprising you with a small approval

Really? I thought "no BK" was a pretty ironclad rule with Chase. Being that my Visa with them was $12,000 and maxed out, I really don't think much of my chances with them until at least the account drops off my reports (still something like 4 years to go, I think).

Re: Amazon card.. Synchrony? Chase? Difficulty level?

Scupra — Mon, 08 May 2017 03:24:03 GMT

Absolutely not an ironclad rule. I didn't burn Chase but I have a Freedom signature and a CSP. There is quite a few that have burned Chase get back in though. I don't disagree waiting for it to drop off is a positive though good luck, don't give up

Re: Amazon card.. Synchrony? Chase? Difficulty level?

AverageJoesCredit — Mon, 08 May 2017 03:34:47 GMT

Whatever you do, do not try to app as many Sync cards as you can to maximize your pulls . Getting too many Sync cards in a short period can lead to trouble, aka the blue envelope, and shutting down your accounts.

Id say one has a better shot at Amazon Sync than Chase with bk, but as always YMMV. Weve had a couple of posters suprise us by reconning and getting the Chase Visa, heres looking at Bella007

Re: Amazon card.. Synchrony? Chase? Difficulty level?

Anonymous — Mon, 08 May 2017 12:45:09 GMT

@AverageJoesCredit wrote:
Whatever you do, do not try to app as many Sync cards as you can to maximize your pulls . Getting too many Sync cards in a short period can lead to trouble, aka the blue envelope, and shutting down your accounts.

Id say one has a better shot at Amazon Sync than Chase with bk, but as always YMMV. Weve had a couple of posters suprise us by reconning and getting the Chase Visa, heres looking at Bella007

Agreed. I realistically don't see myself having more than two Sync cards in the near- to mid-term future (Amazon Prime, which I have, and maybe later this year Walmart, or maybe even Marvel MC; I had been considering Care Credit but it's pretty much at the back at the queue if I can cover my medical expenses adequately with other cards) and exactly one Comenity card (Paypal Credit) - seriously, given that Overstock is meh as a store these days, that's the only Comenity card I actually want these days. Maybe next year once the BK has aged some more I might try to get the Chase Amazon Visa, but for now I'm letting both Chase and Citi be. I should be in a reasonably good position to get a CU Visa by fall and that should be good enough for me at that time.