topic Re: I closed 2 Sync in Credit Cards

I closed 2 Sync

Creditaddict — Sat, 05 Nov 2016 05:14:34 GMT

Decided to close my Chevron Visa $5k and Marvel MC $6k tonight.

I think I am close to total exposure and I submitted for a CLI from $8k to $15k on my Walmart MC so wanted to try to bring it down a bit

Re: I closed 2 Sync

Anonymous — Sat, 05 Nov 2016 06:01:05 GMT

Congrats on trimming the fat.

Re: I closed 2 Sync

austinguy907 — Sat, 05 Nov 2016 06:16:45 GMT

Re: I closed 2 Sync

Anonymous — Sat, 05 Nov 2016 18:18:05 GMT

Congrats!

Re: I closed 2 Sync

CreditMagic7 — Sat, 05 Nov 2016 20:50:31 GMT

Too bad that Synchrony Bank can't raise their threshold another $100,000.

I think many will agree that aside from their interest rates, Synchrony credit cards prove very useful and especially help card customers with swelling limits per (most) of their cards, (SP CLI's) which easily offset any utility especially with large purchases.

If not for the currently set overall max limit, it's sure they have another 5 card accounts that I would most definitely be putting to good use on a regular basis.

Re: I closed 2 Sync

jeffery581 — Sat, 05 Nov 2016 20:58:23 GMT

Unless you run a business I fail to see why one needs that much spending power.

Re: I closed 2 Sync

Anonymous — Sat, 05 Nov 2016 23:42:20 GMT

I'm a little confused. You had a guaranteed $11k in two combined Visa and MCs. You closed them down hoping to get a $7k increase on WalMart. If your request is approved you still gave up $4k in spending power. You could have used either card you closed at WalMart. I'm thinking you get bored easily. I got a call yesterday and did not answer because I did not recognize who it was. Looked on the internet and found all kinds of answers but many said it was Synchrony. I called back and it appears it was Synchrony. The lady spoke plain English. She asked me if the phone number I was using was connected to my account. I said yes. She tells me it was odd because they have no accounts that listed my cell number. Then she said "what's your social security number?" I gave it to her and she said it wasn't in their system. She told me to call back in a few minutes and it might be a computer glitch but I never did. When I got home I went straight to the internet to check my three Synchrony accounts. They were still open. Guess I need to watch all of my credit card accounts for a while since I gave out my SSN #. They don't know my name though because my cell # is not in my name.

Re: I closed 2 Sync

Creditaddict — Sat, 05 Nov 2016 23:45:51 GMT

I closed them because I don't use them and done need them.
The cli just happen to be at same time, I'm not concerned about gain or loss just trying to pair down my sync cards to the ones I use and get basically same limits on all of them except my 76 gas card which is just fine at $5k

Re: I closed 2 Sync

CreditMagic7 — Sun, 06 Nov 2016 00:29:09 GMT

@Creditaddict wrote:
I closed them because I don't use them and done need them.
The cli just happen to be at same time, I'm not concerned about gain or loss just trying to pair down my sync cards to the ones I use and get basically same limits on all of them except my 76 gas card which is just fine at $5k

Thank You CA for being really instrumental and a dynamic guidance for my own progress with Synchrony Cards starting with GE

In my opinion CA is been most masterful "especially" where concerns synchrony, from their mystical twists & turns to the ins & outs of what works best at this and that time etc.

When there's a move like this one made, you can bet there is already an advanced plan to reach another POTENTIAL

Re: I closed 2 Sync

Anonymous — Sun, 06 Nov 2016 02:01:51 GMT

Congrats OP on getting rid of two plastics. I'm going to call them on Monday to close my Pepboys.

Re: I closed 2 Sync

score_building — Sun, 06 Nov 2016 02:42:56 GMT

Close Marvel and keep Wally, that I don't get.

Re: I closed 2 Sync

Anonymous — Sun, 06 Nov 2016 03:04:19 GMT

Not a lot of folks would close cards that have decent limits because they don't have the forsight. Makes sense to me with the blue envelopes being handed out. Well done mane, well done.

Re: I closed 2 Sync

Anonymous — Sun, 06 Nov 2016 03:16:00 GMT

Cool! I closed jcrew, express and chevron a month ago.

Re: I closed 2 Sync

Anonymous — Sun, 06 Nov 2016 04:39:18 GMT

@Anonymous wrote:
I'm a little confused. You had a guaranteed $11k in two combined Visa and MCs. You closed them down hoping to get a $7k increase on WalMart. If your request is approved you still gave up $4k in spending power. You could have used either card you closed at WalMart. I'm thinking you get bored easily. I got a call yesterday and did not answer because I did not recognize who it was. Looked on the internet and found all kinds of answers but many said it was Synchrony. I called back and it appears it was Synchrony. The lady spoke plain English. She asked me if the phone number I was using was connected to my account. I said yes. She tells me it was odd because they have no accounts that listed my cell number. Then she said "what's your social security number?" I gave it to her and she said it wasn't in their system. She told me to call back in a few minutes and it might be a computer glitch but I never did. When I got home I went straight to the internet to check my three Synchrony accounts. They were still open. Guess I need to watch all of my credit card accounts for a while since I gave out my SSN #. They don't know my name though because my cell # is not in my name.

I'm a little concerned that you willingly provided your most personable identifiable information to an unidentified "rep" who requested for this information over the phone. Never and I mean N-E-V-E-R do this. Always ask for the person or agent requesting such sensitive matters to properly identify themselves and ask for a good contact number and extension (if applicable) to dial right back to confirm validity.

I don't mean to piggyback on this post but considering my line of work and being exposed to tons of personal and sensitive information on a daily, this upset me as most of my client's will report that they are getting numerous calls from supposed "tax settlements" and "mortgage refinance offers" to whatever else you could think of. Having been employed with the feds for a number of years has taught me to value any and all sensitve information as if it is my own. Please heavily monitor your CR's and just be safe check with SSA for possible fraud.

Re: I closed 2 Sync

CreditMagic7 — Sun, 06 Nov 2016 04:41:14 GMT

My purge was done many months ago. Only PayPal Extras MC to free up some distance to Max exposure.

Comenity purge for me was a pile of store cards over about a year ago and then TotalReward Visa this summer but only to add back a couple of their Bankcard versions such as Marathon Visa & True Value Discover.

Jcrew, Barney'sNY were the store card keepers courtesy their accelerated limit growth.

Re: I closed 2 Sync

Anonymous — Sun, 06 Nov 2016 04:42:11 GMT

Kudos to you for eliminating unneccesary plastic. Only you know what is best based off your spending needs.

Re: I closed 2 Sync

Anonymous — Sun, 06 Nov 2016 05:24:29 GMT

@GrandMaster8@

Couldn't have said it better if I even tried...hats off to you.

Re: I closed 2 Sync

Anonymous — Sun, 06 Nov 2016 06:19:43 GMT

The number that called me was (330) 433-5039. Go investigate for yourselves how many websites say it's Synchrony bank. We had just arrived at the grocery store. Seems like every call I get that I don't know who it is is while I am away from home. I used my Samsung phone to do as good of an internet search as I could away from home. Was scared of that blue envelope. So they got my SSN number. They don't have my name, address, assets or anything else. I login to my accounts everyday so if my cards are used in other states it can easily be disputed (because I am at home and not in the state of the fraudulent purchases).

Re: I closed 2 Sync

blondy250 — Sun, 06 Nov 2016 18:53:37 GMT

It was crazy that you gave your SS# out on the phone, I've never would and have never been asked. I would freeze my credit reports if I were you (mine have been frozen a year next month).

Re: I closed 2 Sync

Anonymous — Sun, 06 Nov 2016 20:17:21 GMT

@Anonymous wrote:
The number that called me was (330) 433-5039. Go investigate for yourselves how many websites say it's Synchrony bank. We had just arrived at the grocery store. Seems like every call I get that I don't know who it is is while I am away from home. I used my Samsung phone to do as good of an internet search as I could away from home. Was scared of that blue envelope. So they got my SSN number. They don't have my name, address, assets or anything else. I login to my accounts everyday so if my cards are used in other states it can easily be disputed (because I am at home and not in the state of the fraudulent purchases).

CC, I don't think you understand my concern and the severity of this issue with my previous post. By no means neccesary am I condemning you for what happened, because that is not the case and certainly not my intention. Just an FYI, "professional" thieves do NOT need to "know" your name, address, or any assets you possess. Your master serial (SSN) number will provide all that and then some. Internet sites can claim a ton of bogus and outdated information as to the validity of such company and their distributed phone numbers, so if I were you I'd take your research lightly and go straight to the source (Synchrony) and flat at ask a rep if they've been trying to reach you or made contact with you recently based off the notes in their database. That right there will give you better insight into this matter, rather being spooked by a blue envelope.

I'm only stressing this as I know how daunting the process of recoverying one's stolen identity once its used and abused by the wrong type of individuals. Just be a lot more cautious and extremely careful going forward when handling your business. Take care