topic Re: Phillips66/Conoco/76 NO PG APPROVED in Business Credit

Phillips66/Conoco/76 NO PG APPROVED

sugarcreek67 — Wed, 15 Dec 2021 21:55:19 GMT

I sent in an application last week, got the 7-10 day message. I called synch today and confirmed business info and was approved for 1k SL

Re: Phillips66/Conoco/76 NO PG APPROVED

M_Smart007 — Wed, 15 Dec 2021 23:40:22 GMT

@sugarcreek67, Congrats on your Phillips66/Conoco/76 Approval

Re: Phillips66/Conoco/76 NO PG APPROVED

sugarcreek67 — Thu, 16 Dec 2021 00:08:08 GMT

@M_Smart007 I tried apping them 4 months ago and denied, got my foot in the door this time LOL

Re: Phillips66/Conoco/76 NO PG APPROVED

4sallypat — Thu, 16 Dec 2021 01:21:17 GMT

Congrats!

Is this a Sync card or Fleetcor ?

Re: Phillips66/Conoco/76 NO PG APPROVED

M_Smart007 — Thu, 16 Dec 2021 02:13:35 GMT

@4sallypat wrote:
Congrats!
Is this a Sync card or Fleetcor ?

Looks like Synchrony according to the #1 post.

"I sent in an application last week, got the 7-10 day message. I called "synch" today and confirmed business info and was approved for 1k SL"

Re: Phillips66/Conoco/76 NO PG APPROVED

sugarcreek67 — Thu, 16 Dec 2021 03:52:42 GMT

I think I am more willing to take my chances with Synch bear than WEX . just wanted to add another tradeline, not a ton of these stations left.

Re: Phillips66/Conoco/76 NO PG APPROVED

Anonymous — Thu, 16 Dec 2021 09:06:49 GMT

WEX is SYNCB's crazy cousin on the Business side

Re: Phillips66/Conoco/76 NO PG APPROVED

sugarcreek67 — Fri, 17 Dec 2021 01:50:48 GMT

@Anonymous wrote:
WEX is SYNCB's crazy cousin on the Business side

AGREED

Re: Phillips66/Conoco/76 NO PG APPROVED

GApeachy — Sat, 18 Dec 2021 15:42:32 GMT

Congrats on this card.....were your personal cr's locked or unlocked to apply without a pg?

Re: Phillips66/Conoco/76 NO PG APPROVED

sugarcreek67 — Sat, 18 Dec 2021 17:03:01 GMT

@GApeachy wrote:
Congrats on this card.....were your personal cr's locked or unlocked to apply without a pg?

I had all three locked before even going to the page to apply

Re: Phillips66/Conoco/76 NO PG APPROVED

GApeachy — Sat, 18 Dec 2021 17:04:43 GMT

@sugarcreek67 okay, thank you!

Re: Phillips66/Conoco/76 NO PG APPROVED

Anonymous — Mon, 20 Dec 2021 23:03:12 GMT

@sugarcreek67 @GApeachy

Tidbit Time.... SYNCB will AUTOMATICALLY PG you INVOLUNTARILY with a SP even though you didn't "Opt-In" on the Application. This goes for ANY of their accounts on the Business side. Keep those personals in "Security Mode" if your specific intention is to NOT PG the account. If you want to verify if you are unsure as to existing account status, Pull your LexisNexis BUSINESS Report. It will show you from the data pulled from SBFE if the account is "Guaranteed". This goes for their accounts that provide CARDS for swiping. You should pull your Free copy EVERY YEAR anyway as any incorrect information could possibly torpedo future Business Account or LOAN applications.

Re: Phillips66/Conoco/76 NO PG APPROVED

GApeachy — Mon, 20 Dec 2021 23:26:09 GMT

@Anonymous wrote:
@sugarcreek67 @GApeachy

Tidbit Time.... SYNCB will AUTOMATICALLY PG you INVOLUNTARILY with a SP even though you didn't "Opt-In" on the Application. This goes for ANY of their accounts on the Business side. Keep those personals in "Security Mode" if your specific intention is to NOT PG the account. If you want to verify if you are unsure as to existing account status, Pull your LexisNexis BUSINESS Report. It will show you from the data pulled from SBFE if the account is "Guaranteed". This goes for their accounts that provide CARDS for swiping. You should pull your Free copy EVERY YEAR anyway as any incorrect information could possibly torpedo future Business Account or LOAN applications.

Thanks, I'll check it out....what's the saying? If it's too good to true?....🥸aint

Re: Phillips66/Conoco/76 NO PG APPROVED

GApeachy — Thu, 06 Jan 2022 21:21:26 GMT

@Anonymous pumping the brakes here......

Everything you said is absolutely true. Added for DP's. Sure, no HP's on my personal cra's as they were locked/frozen but I got a little letter today from Synchrony.

Yep, yep, little...And I quote, "An application has been approved for a credit card account with PHILLIPS 66 COMMERCIAL CARD. This letter is to notify you that your information was provided on the application as the personal guarantor of the account."

2 pts. to you @Anonymous

@sugarcreek67 did you get this letter?

Re: Phillips66/Conoco/76 NO PG APPROVED

sugarcreek67 — Thu, 06 Jan 2022 23:25:42 GMT

@GApeachy wrote:
@Anonymous pumping the brakes here......
Everything you said is absolutely true. Added for DP's. Sure, no HP's on my personal cra's as they were locked/frozen but I got a little letter today from Synchrony.
Yep, yep, little...And I quote, "An application has been approved for a credit card account with PHILLIPS 66 COMMERCIAL CARD. This letter is to notify you that your information was provided on the application as the personal guarantor of the account."
2 pts. to you @Anonymous

@sugarcreek67 did you get this letter?

I have not so far but that doesnt mean much will check when i am home again.

Re: Phillips66/Conoco/76 NO PG APPROVED

Anonymous — Mon, 10 Jan 2022 18:44:22 GMT

Yep they are very very sneaky with the PG accounts.

Re: Phillips66/Conoco/76 NO PG APPROVED

sugarcreek67 — Mon, 10 Jan 2022 23:42:34 GMT

I have not received that letter,but, it does not make them sneaky any less true. if they PG'd my account so be it.

@Anonymous wrote:
Yep they are very very sneaky with the PG accounts.

Re: Phillips66/Conoco/76 NO PG APPROVED

GApeachy — Thu, 13 Jan 2022 14:08:17 GMT

@sugarcreek67 wrote:
I have not received that letter,but, it does not make them sneaky any less true. if they PG'd my account so be it.
@Anonymous wrote:
Yep they are very very sneaky with the PG accounts.

True! I wanted this acct. being it was for a station that is conveniently located...so PG or not, I would have app'd because almost all of our biz tl's are PG. *drop in the bucket.

Re: Phillips66/Conoco/76 NO PG APPROVED

Anonymous — Fri, 14 Jan 2022 02:37:50 GMT

Honestly, PG only affects you if 1) they HP you personally for the account 2) You are counting Enterprise value for the sale of the business 3) you default on the account and/or 4) the business BKs. Otherwise, its a want and best practices situation not necessarily a need.