topic Re: Synchrony Questions in Credit Cards

Synchrony Questions

xXIDaShizIXx — Mon, 02 May 2016 00:10:46 GMT

Hello guys, my wife just got approved for the Sam's Club Store Card and the Toys R Us Store Card. I was wondering what it takes to get them converted to the mastercards?

Re: Synchrony Questions

taxi818 — Mon, 02 May 2016 00:20:25 GMT

@xXIDaShizIXx wrote:
Hello guys, my wife just got approved for the Sam's Club Store Card and the Toys R Us Store Card. I was wondering what it takes to get them converted to the mastercards?

Usage and lots of it. with good payment history. They will invite to upgrade within a year or 2. Nothing your DW can do except wait for them. They don't take customers request to upgrade.

Re: Synchrony Questions

Loquat — Mon, 02 May 2016 00:23:25 GMT

@taxi818 wrote:
@xXIDaShizIXx wrote:
Hello guys, my wife just got approved for the Sam's Club Store Card and the Toys R Us Store Card. I was wondering what it takes to get them converted to the mastercards?
Usage and lots of it. with good payment history. They will invite to upgrade within a year or 2. Nothing your DW can do except wait for them. They don't take customers request to upgrade.

If only that were true. I've used my Walmart Store Card for well past 2 years and I've never received and invite to upgrade...and many around the forum can attest to it. Do they offer the upgrade, sure, but is very random/selective and there is nothing you can do that's going to make them offer it. I would like to say that usage and payment are the triggers but I can tell you with a degree of certantity that it isn't the case. Truth of the matter is, if you really want the MasterCard version, wait until your score and profile supports it and then app again.

Re: Synchrony Questions

taxi818 — Mon, 02 May 2016 00:32:58 GMT

@Loquat wrote:
@taxi818 wrote:
@xXIDaShizIXx wrote:
Hello guys, my wife just got approved for the Sam's Club Store Card and the Toys R Us Store Card. I was wondering what it takes to get them converted to the mastercards?
Usage and lots of it. with good payment history. They will invite to upgrade within a year or 2. Nothing your DW can do except wait for them. They don't take customers request to upgrade.
If only that were true. I've used my Walmart Store Card for well past 2 years and I've never received and invite to upgrade...and many around the forum can attest to it. Do they offer the upgrade, sure, but is very random/selective and there is nothing you can do that's going to make them offer it. I would like to say that usage and payment are the triggers but I can tell you with a degree of certantity that it isn't the case. Truth of the matter is, if you really want the MasterCard version, wait until your score and profile supports it and then app again.

Of course you can't do anything to get the invite except use the card. I finally got the invite late last year. Im sure my scores were not the issue at all seeing my tu was 747 at the time. was rocking a 10k limit on a store card. Finally after getting my Ebates card they decided they would invite to upgrade the thing. In fact just got invited to upgrade their Pay pal smart connect as well. Also 10k limit. It really is a mystery.

Re: Synchrony Questions

Loquat — Mon, 02 May 2016 00:43:51 GMT

@taxi818 wrote:
@Loquat wrote:
@taxi818 wrote:
@xXIDaShizIXx wrote:
Hello guys, my wife just got approved for the Sam's Club Store Card and the Toys R Us Store Card. I was wondering what it takes to get them converted to the mastercards?
Usage and lots of it. with good payment history. They will invite to upgrade within a year or 2. Nothing your DW can do except wait for them. They don't take customers request to upgrade.
If only that were true. I've used my Walmart Store Card for well past 2 years and I've never received and invite to upgrade...and many around the forum can attest to it. Do they offer the upgrade, sure, but is very random/selective and there is nothing you can do that's going to make them offer it. I would like to say that usage and payment are the triggers but I can tell you with a degree of certantity that it isn't the case. Truth of the matter is, if you really want the MasterCard version, wait until your score and profile supports it and then app again.
Of course you can't do anything to get the invite except use the card. I finally got the invite late last year. Im sure my scores were not the issue at all seeing my tu was 747 at the time. was rocking a 10k limit on a store card. Finally after getting my Ebates card they decided they would invite to upgrade the thing. In fact just got invited to upgrade their Pay pal smart connect as well. Also 10k limit. It really is a mystery.

You're right...it's a mystery with them. My profile now supports the Walmart MC if I wanted it...but I no longer have any interest as I have my Sam's Club MasterCard which serves a much better purpose for me and my spending profile.

Re: Synchrony Questions

xXIDaShizIXx — Mon, 02 May 2016 00:57:23 GMT

Its odd because my wife has the Walmart MC, but after that Synchrony does not seem to like her after that lol!

Re: Synchrony Questions

Anonymous — Mon, 02 May 2016 01:00:39 GMT

Excuse my ignorance on this subject, but when you guys are talking about "upgrading to MC" what type of card is it now that you are trying to upgrade from?

Re: Synchrony Questions

Loquat — Mon, 02 May 2016 01:04:32 GMT

@Anonymous wrote:
Excuse my ignorance on this subject, but when you guys are talking about "upgrading to MC" what type of card is it now that you are trying to upgrade from?

Store versions to MasterCard versions (still store branded but available for use anywhere Visa or MasterCard is accepted)

Re: Synchrony Questions

myjourney — Mon, 02 May 2016 01:04:47 GMT

I've been offered the Walmart upgrade twice

The card at best used twice a year

Kept it for free score tho lord knows why I keep it now .....hmmmm

Anyway decline upgrade due to it will result in a new TL thus lowering AAoA

No thanks for a card that really has no rewards other than 6 or 12 month financing if needed and so far haven't needed that either

Re: Synchrony Questions

xXIDaShizIXx — Mon, 02 May 2016 01:07:42 GMT

@myjourney wrote:
I've been offered the Walmart upgrade twice
The card at best used twice a year
Kept it for free score tho lord knows why I keep it now .....hmmmm
Anyway decline upgrade due to it will result in a new TL thus lowering AAoA
No thanks for a card that really has no rewards other than 6 or 12 month financing if needed and so far haven't needed that either

Definitely right in regards to the Walmart card. However the Sams Club Card is useful for 5% on gas.

Re: Synchrony Questions

MyLoFICO — Mon, 02 May 2016 11:25:15 GMT

It's based mostly on score. You might get an upgrade invite, but the chances are slim. I app'd and got my WM store card in December 2015. 2 weeks ago I app'd again and got approved for the MC. Now I have both. 6k on store card and 7k on the MC. What has changed? My score. When she hits 700 have her app it again. Be prepared though, depending on what else is on her credit she could get another store card or a denial. But, from what I have learned with Synch, they place a lot of value on your score.

You may think that my situation was a fluke but I did this with my Chevron /Texaco Store card after only 2-3 months of no usage whatsoever. Got the Visa version of it. On this card I reduced my credit limit on the store card to 1k. Then a day or so later I called and requested a CLI on the Visa and got it. This is not a CL transfer and that cannot be done. I did it to reduce my exposure with them in hopes that would get me a better chance of a CLI on the VIsa. I don't know if it helped or not but I got the CLI.

I also found I got approved for the Stash Visa and Marvel MC after hitting 700. I had a ton of inquiries (24 on TU). 1 baddie and several late payments from back in 2012-2013 before my divorce. My Stash is at 12K, Marvel is 7k, Chevron/Texaco is 5k. Don't wait on the offer. Watch your DW score, app when it hits 700.