topic Re: Synchrony Bank: Income Reported When You Applied & Total exposure and balances in Credit Cards

Synchrony Bank: Income Reported When You Applied & Total exposure and balances

Anonymous — Fri, 08 Jul 2016 23:48:13 GMT

$78,300.

Total Exposure:10K- Marvel **ZERO balance**

Account active as of 7/8/16. 7:20pm est.

Re: Synchrony Bank: Income Reported When You Applied?

Anonymous — Fri, 08 Jul 2016 23:17:08 GMT

$88,000. Total limits $19,800

Re: Synchrony Bank: Income Reported When You Applied?

Anonymous — Fri, 08 Jul 2016 23:27:51 GMT

Not much.

Re: Synchrony Bank: Income Reported When You Applied?

Anonymous — Fri, 08 Jul 2016 23:41:16 GMT

maybe should revise to include total balances across all sync accounts. Seems like they are targeting high CL users with low to zero balances

Re: Synchrony Bank: Income Reported When You Applied & Total exposure and balances

Samac — Fri, 08 Jul 2016 23:50:53 GMT

Income: 30k.

Marvel: 10k.
Ebates: 5k.
Jcpenny: 800.
Amazon: 3k. Only card with a balance: $138.

We'll see what happens. They was been reporting my balances to the bureaus as they change, so something is weird. We'll see what happens.

Re: Synchrony Bank: Income Reported When You Applied & Total exposure and balances

woodyman100 — Fri, 08 Jul 2016 23:54:29 GMT

$95k net

65k across 3 cards

(-$3.13) balance on Marvel

Re: Synchrony Bank: Income Reported When You Applied & Total exposure and balances

Samac — Fri, 08 Jul 2016 23:53:49 GMT

That should say they have been, not they was, but I'm cursed with using a mobile device.

I got scared and went and paid my Amazon. So now at least if they AA me there's no balances to worry about.

Re: Synchrony Bank: Income Reported When You Applied & Total exposure and balances

Anonymous — Sat, 09 Jul 2016 00:21:57 GMT

Income $60k. Only exposure is $4300 Amazon card. Balance is fully paid, although I did carry some large balances for a while. I'm a tad worried -- it would hurt my utilization to lose this card. But I refuse to authorize a 4506-T.

Re: Synchrony Bank: Income Reported When You Applied & Total exposure and balances

Anonymous — Sat, 09 Jul 2016 00:23:16 GMT

Income: $108,000

Lowes 35k reporting around $20

Toys R Us 25k reporting $0

Sam's $25k reporting $90

Opened Marvel and had to adjust some lines alittle.

No issues with any accounts.

Re: Synchrony Bank: Income Reported When You Applied & Total exposure and balances

Anonymous — Sat, 09 Jul 2016 00:43:44 GMT

@Anonymous wrote:
Income: $108,000

Lowes 35k reporting around $20
Toys R Us 25k reporting $0
Sam's $25k reporting $90

Opened Marvel and had to adjust some lines alittle.

No issues with any accounts.

Nice!

Re: Synchrony Bank: Income Reported When You Applied & Total exposure and balances

Anonymous — Sat, 09 Jul 2016 02:56:25 GMT

Income: 1,000,000 USD

Lowes: 25K

Walmart:25K

Marvel:25K

Zero balances, no issues

Re: Synchrony Bank: Income Reported When You Applied & Total exposure and balances

Meanmchine — Sat, 09 Jul 2016 03:50:58 GMT

I feel kinda small standing next to zumroff but here goes

Income 40k

Total Synch Accts 15

Total Synch accts opened last year 2

Total Synch Exposure 40k

Most accounts are at $0 balance

Total outstanding bal maybe $250 I always carry a balance < $100 on a few cards

Highest CL $5k (Lowes, SamsClub SC and JCP SC)

No AA action atm.

Re: Synchrony Bank: Income Reported When You Applied & Total exposure and balances

AverageJoesCredit — Sat, 09 Jul 2016 04:01:41 GMT

Even as i try to pif when i can i still end up carrying a balance on some cards, but as long as i make my payments all the same to me.. at the moment carrying a small balance on my Sams and Pennys. Just trying to show some use. 5 sync accounts ,so far so good.

Re: Synchrony Bank: Income Reported When You Applied & Total exposure and balances

Anonymous — Sat, 09 Jul 2016 04:03:04 GMT

I owe Amazon Store card 17,500 pennies.

Re: Synchrony Bank: Income Reported When You Applied & Total exposure and balances

sarge12 — Sat, 09 Jul 2016 04:53:33 GMT

@Anonymous wrote:
@Anonymous wrote:
Income: $108,000

Lowes 35k reporting around $20
Toys R Us 25k reporting $0
Sam's $25k reporting $90

Opened Marvel and had to adjust some lines alittle.

No issues with any accounts.

Nice!

25K limit at Toys R Us....Holy flying sheep Batman, that's a lot of toys!!!!!!

Re: Synchrony Bank: Income Reported When You Applied & Total exposure and balances

Creditplz — Sat, 09 Jul 2016 04:58:50 GMT

Income: 186K

Exposure: 83.4k

Balances on Synchrony: $15 on a 25K Ebates card.

Re: Synchrony Bank: Income Reported When You Applied & Total exposure and balances

Anonymous — Sat, 09 Jul 2016 05:02:38 GMT

I get by.

Total Synchrony exposure is almost 60% of income