topic Re: Synchrony Bank in Credit Cards

Synchrony Bank

Stonecold756 — Wed, 08 Jul 2026 23:29:36 GMT

Hello, so I got a pre-approval offer for a store card in my email, what's crazy is I was only offered $500 and it was a store card to be used only in the stores not the Mastercard version, why would I be offered that when I just got approved for a delta plat 2,400 cl and an Amex green charge card? That's crazy I was offered that. I've had synchrony cards in the past and wasn't a fan of them.

Re: Synchrony Bank

FicoMike0 — Thu, 09 Jul 2026 00:58:40 GMT

Sync Sux.

Re: Synchrony Bank

NoMoreE46 — Thu, 09 Jul 2026 04:59:36 GMT

AF - You are willing to pay AmEx $ 500/yr upfront to have those two cards...

@Stonecold756 wrote:
Hello, so I got a pre-approval offer for a store card in my email, what's crazy is I was only offered $500 and it was a store card to be used only in the stores not the Mastercard version, why would I be offered that when I just got approved for a delta plat 2,400 cl and an Amex green charge card? That's crazy I was offered that. I've had synchrony cards in the past and wasn't a fan of them.

Re: Synchrony Bank

FicoMike0 — Thu, 09 Jul 2026 03:52:33 GMT

Ditto @NoMoreE46 , lol.

You can't compare fee cards with no fee cards. Try apping the amex bce to see how anex really feels.

Re: Synchrony Bank

JoeRockhead — Thu, 09 Jul 2026 11:56:37 GMT

Pre-approval offers are marketing, not underwriting. The fact that you were pre-approved for a $500 store card doesn't necessarily mean that's all Synchrony would approve if you actually applied (could even be a denial). Likewise, your recent Amex approvals don't obligate another lender to reach the same conclusion. Every lender has its own underwriting criteria.

As for store-only cards... my personal opinion is that I'd pass, especially with a young or thin file. Their usefulness is limited since they can only be used at one retailer, and if you have any plans of building a relationship with Chase, you've also used up one of your 5/24 slots on an account with fairly limited long-term value. I'd rather save the application for a general purpose Visa, Mastercard, etc...