topic Re: Synovus Credit Card Products in Credit Cards

Synovus Credit Card Products

credit_endurance — Mon, 11 Oct 2021 20:11:15 GMT

Hey there community, hope all is well amoung us.

Had a question regarding Synovus applying for their credit card products.

Do you have to have an checking/savings account with them to be able to apply for products? Also, can you apply for products via their website?

Re: Synovus Credit Card Products

CreditCuriosity — Mon, 11 Oct 2021 20:47:51 GMT

You do not have to have a checking/savings to apply for product if you can stop into their branch to apply and can apply from out of their geo footprint if inside state that has branches. If you have savings/checking you can apply for credit products online.

Re: Synovus Credit Card Products

MrDisco99 — Mon, 11 Oct 2021 20:23:35 GMT

I applied through the website. I don't think an existing checking/savings was needed, but this was several years ago. I think they are geofenced, though (AL, FL, GA, SC, TN).

Re: Synovus Credit Card Products

DONZI — Mon, 11 Oct 2021 22:22:53 GMT

@credit_endurance

I believe that to apply for any of their credit cards online you must first have an account with them.

The deposit account I opened was in-branch since I figured that I could get everything done in one move, however you can open a deposit account online and then presumably be able to apply for a credit card online once the new deposit account settles.

They may have some SUBs via bonus codes, but the ones I've seen on their site are basic -- EG: provide a 0% apr balance transfer, etc.

If though, you would park some money with them to activate their "Plus" or "Inspire" relationship, they do offer some embedded SUBs for that. The SUBs are actually pretty decent IMO.

RE: relationship programs - Plus & Inspire

NOTE: the relationship SUBs are without any sort of indications of -anything- (time left, amt. to go, etc) but upon satisfying the spend they plop the reward points instantly into the account.

FWIW, I've been adding to my initial message regarding their categories here.

Re: Synovus Credit Card Products

credit_endurance — Mon, 11 Oct 2021 23:06:37 GMT

@CreditCuriosity wrote:
You do not have to have a checking/savings to apply for product if you can stop into their branch to apply and can apply from out of their geo footprint if inside state that has branches. If you have savings/checking you can apply for credit products online.

Thanks @CreditCuriosity for the tip. I'm a couple states away from nearest branches. Maybe I will plan a short road trip soon. 😉

Re: Synovus Credit Card Products

credit_endurance — Mon, 11 Oct 2021 23:08:17 GMT

@MrDisco99 wrote:
I applied through the website. I don't think an existing checking/savings was needed, but this was several years ago. I think they are geofenced, though (AL, FL, GA, SC, TN).

Thanks @MrDisco99 I hear they are pretty generous with the SL so it really leaks my interest.

Re: Synovus Credit Card Products

credit_endurance — Mon, 11 Oct 2021 23:34:45 GMT

@DONZI wrote:
@credit_endurance

I believe that to apply for any of their credit cards online you must first have an account with them.
The deposit account I opened was in-branch since I figured that I could get everything done in one move, however you can open a deposit account online and then presumably be able to apply for a credit card online once the new deposit account settles.

They may have some SUBs via bonus codes, but the ones I've seen on their site are basic -- EG: provide a 0% apr balance transfer, etc.

If though, you would park some money with them to activate their "Plus" or "Inspire" relationship, they do offer some embedded SUBs for that. The SUBs are actually pretty decent IMO.

RE: relationship programs - Plus & Inspire

NOTE: the relationship SUBs are without any sort of indications of -anything- (time left, amt. to go, etc) but upon satisfying the spend they plop the reward points instantly into the account.

FWIW, I've been adding to my initial message regarding their categories here.

Thanks @DONZI for this contribution. Seeing that I'm a couple states away from the nearest branches, opening up an account online would be awesome. Will have a look on their site to see if I can locate that option.

Edit: Just looking things over and question...So is it the inspire account that I would need to open up?

Re: Synovus Credit Card Products

JNA1 — Wed, 13 Oct 2021 04:50:17 GMT

DW and I just opened a free checking and chucked $100 in there. They are generous with SLs - we both got nice limits with no prior experience with them.

Re: Synovus Credit Card Products

credit_endurance — Wed, 13 Oct 2021 04:51:10 GMT

@JNA1 wrote:
DW and I just opened a free checking and chucked $100 in there. They are generous with SLs - we both got nice limits with no prior experience with them.

Ha Ha, nice job @JNA1 ! Thanks for posting this. So how long between open checking accounts did you guys place the credit card applications?

Re: Synovus Credit Card Products

JNA1 — Wed, 13 Oct 2021 04:52:30 GMT

We opened the checking accounts and applied immediately. In fact, I was approved for my card 11 minutes after I screenshot'd the checking account approval apparently according to my phone

Re: Synovus Credit Card Products

CreditCuriosity — Tue, 12 Oct 2021 02:06:15 GMT

same although checking account wasnt required i opened as was a free checking account no fees ever. Then opened the CC SL 18k believe at 12.x apr.

Re: Synovus Credit Card Products

DONZI — Tue, 12 Oct 2021 03:43:09 GMT

@credit_endurance wrote:
Edit: Just looking things over and question...So is it the inspire account that I would need to open up?

If you want to get the $500 (50,000 points) sign-up bonus that offers, yes.

Other than that, the $100 bonus for the "Plus" for less deposit.

..creating a deposit account will also open up the ability to apply for credit cards with them online in case that is helpful. Might be if you wanted to apply for more than one of their cards in time.

..but then, if you can make it into a branch you apparently can apply for one of their cards without any sort of banking required.

I have the impression that although online account signups are possible, Synovus may deny/halt an online account creation if your address is not in their geographic area.

The only other thing that may be of interest to you is the cellphone app.. it apparently is quite basic for a credit card only relationship.

I've read that people prefer the app that they provide that requires a deposit account (which also includes better credit card features than the card only app).

Re: Synovus Credit Card Products

credit_endurance — Tue, 12 Oct 2021 11:40:46 GMT

@DONZI wrote:
@credit_endurance wrote:
Edit: Just looking things over and question...So is it the inspire account that I would need to open up?
If you want to get the $500 (50,000 points) sign-up bonus that offers, yes.

Other than that, the $100 bonus for the "Plus" for less deposit.

..creating a deposit account will also open up the ability to apply for credit cards with them online in case that is helpful. Might be if you wanted to apply for more than one of their cards in time.

..but then, if you can make it into a branch you apparently can apply for one of their cards without any sort of banking required.

I have the impression that although online account signups are possible, Synovus may deny/halt an online account creation if your address is not in their geographic area.

The only other thing that may be of interest to you is the cellphone app.. it apparently is quite basic for a credit card only relationship.

I've read that people prefer the app that they provide that requires a deposit account (which also includes better credit card features than the card only app).

@DONZI ...Looks like I will be geo restricted from applying online as it states in the opening of application only AL, GA,TN, FL etc residents are eligible

This cellphone app are you referring to applying over the phone or is an specific phone app/website that they offer?

Re: Synovus Credit Card Products

DONZI — Wed, 13 Oct 2021 02:50:11 GMT

@credit_endurance wrote:

This cellphone app are you referring to applying over the phone or is an specific phone app/website that they offer?

Sorry, that was just some extra info about the cellphone apps -- not related to applying or any preliminary actions related to establishing with Synovus.

Re: Synovus Credit Card Products

FinStar — Wed, 13 Oct 2021 04:57:09 GMT

@DONZI wrote:
I have the impression that although online account signups are possible, Synovus may deny/halt an online account creation if your address is not in their geographic area.

@DONZI I was under the impression that they could still process applications outside of geo-restricted areas as long as depository relationship existed, similar to SunTrust (prior to Truist). Do we know for sure if this is the case or confirmed for Synovus?

Re: Synovus Credit Card Products

CreditCuriosity — Thu, 14 Oct 2021 00:43:25 GMT

@FinStar wrote:
@DONZI wrote:
I have the impression that although online account signups are possible, Synovus may deny/halt an online account creation if your address is not in their geographic area.

@DONZI I was under the impression that they could still process applications outside of geo-restricted areas as long as depository relationship existed, similar to SunTrust (prior to Truist). Do we know for sure if this is the case or confirmed for Synovus?

I know @Mahraja and his DW opened cc accounts while in florida and they certainly live out of the geo footprint. That was about a year ago I believe so doubtful it has changed

Re: Synovus Credit Card Products

Duriel — Thu, 14 Oct 2021 02:48:40 GMT

Tennessee is close to me (Illinois) and their cards interest me, but I dunno if I can travel just for a credit card 😂.

Re: Synovus Credit Card Products

MrDisco99 — Thu, 14 Oct 2021 11:32:15 GMT

@CreditCuriosity wrote:
@FinStar wrote:
@DONZI wrote:
I have the impression that although online account signups are possible, Synovus may deny/halt an online account creation if your address is not in their geographic area.

@DONZI I was under the impression that they could still process applications outside of geo-restricted areas as long as depository relationship existed, similar to SunTrust (prior to Truist). Do we know for sure if this is the case or confirmed for Synovus?
I know @Mahraja and his DW opened cc accounts while in florida and they certainly live out of the geo footprint. That was about a year ago I believe so doubtful it has changed

It says FL residents are eligible.

EDIT: I just read this again and realized I misunderstood. I'm guessing they applied while traveling in FL. Did they visit a branch to do so?

Perhaps it's just online apps that are limited by home address.

Re: Synovus Credit Card Products

DONZI — Fri, 15 Oct 2021 00:40:37 GMT

@FinStar wrote:
@DONZI wrote:
I have the impression that although online account signups are possible, Synovus may deny/halt an online account creation if your address is not in their geographic area.
@DONZI I was under the impression that they could still process applications outside of geo-restricted areas as long as depository relationship existed, similar to SunTrust (prior to Truist). Do we know for sure if this is the case or confirmed for Synovus?

@FinStarThat is my take on it too.. However I -think- it requires in-person|branch account creation if physical address is outside of the Synovus geo. boundary.

The gist of what I was trying to clarify is that:

A) despite geo. reqs an account can be created in person

B) that could be a card or deposit account..

C) making a deposit account -might- be preferable - EG: for relationship sub(s) and..

D) potentially allow applying for cards later, online, without the need to enter the geo boundary again.

If @credit_endurance follows up with any of this, perhaps might have some nice DP on it -- knowing if making a deposit account massages in the online credit card apps to be possible outside of the geo. due to meeting the 'must be a customer' req. for the online credit card apps.

Hmm.. well maybe that DP is already known?

If @Mahraja only obtained a credit card while in the Synovus geo, and has since been able to apply for another online.