topic Re: Synchrony - Early update in Credit Cards

Synchrony - Early update

mikesonthemend — Sat, 20 Jul 2019 00:04:57 GMT

Just had an interaction with Synchrony CSR and thought I would share.

Anytime you zero your balance you may call and request an early/mid-cycle update to the major CBs.

On a recently opened account I had a large purchase, equal to 88% of my CL. I attempted to pay in full prior to reporting. They would not deposit my check until statement was cut and reported. Statement cut, they deposited the check eleven days after I sent it. I then hit luv button, yada, yada, yada. Because I had zeroed the account they agreed to a mid cycle update which will now reflect my greater CL.

I hope this is useful information for some of you.

Re: Synchrony - Early update

BrownSugah66 — Sat, 20 Jul 2019 16:45:00 GMT

Great to know! Thank you

Re: Synchrony - Early update

Brian_Earl_Spilner — Sat, 20 Jul 2019 16:54:50 GMT

I've found with synchrony, requesting a mid-cycle update is almost a waste of time. They'll update whenever they want, so they could update again the moment you make a charge, and then again when you make a second charge. You could make another 10 charges with no update then the next one triggers it. The last time I requested an update, I got 3 in a week and a half totally defeating the purpose.

Re: Synchrony - Early update

AverageJoesCredit — Sat, 20 Jul 2019 16:59:41 GMT

Lol , ^^^ This^^^^

Re: Synchrony - Early update

Anonymous — Sat, 20 Jul 2019 17:29:45 GMT

Sometimes If I need a sync update I will change my income by 1 or 2 dollars and it will report.

It doesn't always work but once in a blue moon it will.

Re: Synchrony - Early update

ibebarrett — Sat, 20 Jul 2019 17:36:58 GMT

@Brian_Earl_Spilner wrote:
I've found with synchrony, requesting a mid-cycle update is almost a waste of time. They'll update whenever they want, so they could update again the moment you make a charge, and then again when you make a second charge. You could make another 10 charges with no update then the next one triggers it. The last time I requested an update, I got 3 in a week and a half totally defeating the purpose.

So far I've had good luck get Synchrony to update w/in 2-3 business days, same for Chase even if you don't zero your balance!

Re: Synchrony - Early update

LOC — Sun, 21 Jul 2019 02:22:40 GMT

Thanks for sharing!