topic Re: Minimal score for Conn's Synchrony Bank card and which CRA pulled? in Credit Cards

Minimal score for Conn's Synchrony Bank card and which CRA pulled?

Anonymous — Tue, 07 Oct 2014 23:48:22 GMT

I was certain I would find this information in this forum or elsewhere but havent. I need to know what are the scores people have that get approved for the Conn's Credit Card serviced by Synchrony Bank and which bureau was pulled. I'm not asking about Conn's credit installment program which does not come with a card. I'm asking about their actual credit card revolving account through Synchrony Bank . I've had their installment approval but was wondering if I qualified for the credit card. Thanks!

Re: Minimal score for Conn's Synchrony Bank card and which CRA pulled?

Ron1 — Wed, 08 Oct 2014 00:09:01 GMT

@Anonymous wrote:
I was certain I would find this information in this forum or elsewhere but havent. I need to know what are the scores people have that get approved for the Conn's Credit Card serviced by Synchrony Bank and which bureau was pulled. I'm not asking about Conn's credit installment program which does not come with a card. I'm asking about their actual credit card revolving account through Synchrony Bank . I've had their installment approval but was wondering if I qualified for the credit card. Thanks!

I applied for GE Capital/Conns Credit Card (NOT Conn's in-house credit) online and I got instantly approved for $3500. They pulled both EXP and TU. My score was around 740-750. Perfect credit history, no late, and past due.

Ron.

Re: Minimal score for Conn's Synchrony Bank card and which CRA pulled?

Anonymous — Wed, 08 Oct 2014 00:15:09 GMT

@Ron1 wrote:
@Anonymous wrote:
I was certain I would find this information in this forum or elsewhere but havent. I need to know what are the scores people have that get approved for the Conn's Credit Card serviced by Synchrony Bank and which bureau was pulled. I'm not asking about Conn's credit installment program which does not come with a card. I'm asking about their actual credit card revolving account through Synchrony Bank . I've had their installment approval but was wondering if I qualified for the credit card. Thanks!
I applied for GE Capital/Conns Credit Card (NOT Conn's in-house credit) online and I got instantly approved for $3500. They pulled both EXP and TU. My score was around 740-750. Perfect credit history, no late, and past due.

Ron.

GE Capital and Synchrony arent the same company are they? They both service Conn's card? Im a littel confused.

Re: Minimal score for Conn's Synchrony Bank card and which CRA pulled?

Ron1 — Wed, 08 Oct 2014 00:23:24 GMT

@Anonymous wrote:
@Ron1 wrote:
@Anonymous wrote:
I was certain I would find this information in this forum or elsewhere but havent. I need to know what are the scores people have that get approved for the Conn's Credit Card serviced by Synchrony Bank and which bureau was pulled. I'm not asking about Conn's credit installment program which does not come with a card. I'm asking about their actual credit card revolving account through Synchrony Bank . I've had their installment approval but was wondering if I qualified for the credit card. Thanks!
I applied for GE Capital/Conns Credit Card (NOT Conn's in-house credit) online and I got instantly approved for $3500. They pulled both EXP and TU. My score was around 740-750. Perfect credit history, no late, and past due.

Ron.
GE Capital and Synchrony arent the same company are they? They both service Conn's card? Im a littel confused.

GE Capital changed their name to Synchrony Bank. They are the same company. It is the same issuer. Conns is a little bit tougher to get approved. I think Conn's in house credit is much easier than Conns Credit Card. Conn's in house credit pullss EQ. Conns in house credit is installment loan. and it is close ended. They close it once you pay off the balance. You need to apply again evety time you need it. You will get another HP. It is the bad part.

Ron.

Re: Minimal score for Conn's Synchrony Bank card and which CRA pulled?

b_diddy — Wed, 08 Oct 2014 00:24:51 GMT

@Anonymous wrote:
@Ron1 wrote:
@Anonymous wrote:
I was certain I would find this information in this forum or elsewhere but havent. I need to know what are the scores people have that get approved for the Conn's Credit Card serviced by Synchrony Bank and which bureau was pulled. I'm not asking about Conn's credit installment program which does not come with a card. I'm asking about their actual credit card revolving account through Synchrony Bank . I've had their installment approval but was wondering if I qualified for the credit card. Thanks!
I applied for GE Capital/Conns Credit Card (NOT Conn's in-house credit) online and I got instantly approved for $3500. They pulled both EXP and TU. My score was around 740-750. Perfect credit history, no late, and past due.

Ron.
GE Capital and Synchrony arent the same company are they? They both service Conn's card? Im a littel confused.

Yes, they've recently changed their name.

Re: Minimal score for Conn's Synchrony Bank card and which CRA pulled?

Anonymous — Wed, 08 Oct 2014 00:30:05 GMT

@Ron1 wrote:
@Anonymous wrote:
@Ron1 wrote:
@Anonymous wrote:
I was certain I would find this information in this forum or elsewhere but havent. I need to know what are the scores people have that get approved for the Conn's Credit Card serviced by Synchrony Bank and which bureau was pulled. I'm not asking about Conn's credit installment program which does not come with a card. I'm asking about their actual credit card revolving account through Synchrony Bank . I've had their installment approval but was wondering if I qualified for the credit card. Thanks!
I applied for GE Capital/Conns Credit Card (NOT Conn's in-house credit) online and I got instantly approved for $3500. They pulled both EXP and TU. My score was around 740-750. Perfect credit history, no late, and past due.

Ron.
GE Capital and Synchrony arent the same company are they? They both service Conn's card? Im a littel confused.
GE Capital changed their name to Synchrony Bank. They are the same company. It is the same issuer. Conns is a little bit tougher to get approved. I think Conn's in house credit is much easier than Conns Credit Card. Conn's in house credit pullss EQ. Conns in house credit is installment loan. and it is close ended. They close it once you pay off the balance. You need to apply again evety time you need it. You will get another HP. It is the bad part.

Ron.

My EQ is 607. If GE Capital/Synchony pull my EQ you think I would get approved? I only need a $1200 limit for washer and dryer.

Re: Minimal score for Conn's Synchrony Bank card and which CRA pulled?

Ron1 — Wed, 08 Oct 2014 00:44:16 GMT

@Anonymous wrote:
@Ron1 wrote:
@Anonymous wrote:
@Ron1 wrote:
@Anonymous wrote:
I was certain I would find this information in this forum or elsewhere but havent. I need to know what are the scores people have that get approved for the Conn's Credit Card serviced by Synchrony Bank and which bureau was pulled. I'm not asking about Conn's credit installment program which does not come with a card. I'm asking about their actual credit card revolving account through Synchrony Bank . I've had their installment approval but was wondering if I qualified for the credit card. Thanks!
I applied for GE Capital/Conns Credit Card (NOT Conn's in-house credit) online and I got instantly approved for $3500. They pulled both EXP and TU. My score was around 740-750. Perfect credit history, no late, and past due.

Ron.
GE Capital and Synchrony arent the same company are they? They both service Conn's card? Im a littel confused.
GE Capital changed their name to Synchrony Bank. They are the same company. It is the same issuer. Conns is a little bit tougher to get approved. I think Conn's in house credit is much easier than Conns Credit Card. Conn's in house credit pullss EQ. Conns in house credit is installment loan. and it is close ended. They close it once you pay off the balance. You need to apply again evety time you need it. You will get another HP. It is the bad part.

Ron.
My EQ is 607. If GE Capital/Synchony pull my EQ you think I would get approved? I only need a $1200 limit for washer and dryer.

I think your score is a little bit low to get the card. I think you can get approved for Conn's Easy Money. I heard Conn's Easy Money also offers 0% interesting financing. My brother got approved for $1500 two years ago. His score was 560. Salesmen told me someone might require down payment if their score was really bad. He told me almost everyone was qualified. You need to go inside the store to sign the contract to finalize the paperwork.

http://www.conns.com/conns-credit-info/

Ron.

Re: Minimal score for Conn's Synchrony Bank card and which CRA pulled?

Anonymous — Wed, 08 Oct 2014 00:43:58 GMT

Ok thanks for the advice. I wont waste a HP. They already approved me for $5000 for the installment plan. Its no interest for 12 months. However, the 12th month has this balloon type payment. If you dont pay it all they add outrageous and humungous amount of interest for the 13th month. I thought I could avoid that kind of pressure and get the revolving account. I guess I will select the least expensive washer and dryer and make sure I pay it all within 12 months. It's hell when you dont have good credit!

Re: Minimal score for Conn's Synchrony Bank card and which CRA pulled?

Ron1 — Wed, 08 Oct 2014 00:45:47 GMT

@Anonymous wrote:
Ok thanks for the advice. I wont waste a HP. They already approved me for $5000 for the installment plan. Its no interest for 12 months. However, the 12th month has this balloon type payment. If you dont pay it all they add outrageous and humungous amount of interest for the 13th month. I thought I could avoid that kind of pressure and get the revolving account. I guess I will select the least expensive washer and dryer and make sure I pay it all within 12 months. It's hell when you dont have good credit!

Are you taling Conn's easy noney?

Ron.

Re: Minimal score for Conn's Synchrony Bank card and which CRA pulled?

Anonymous — Wed, 08 Oct 2014 00:54:57 GMT

@Ron1 wrote:
@Anonymous wrote:
Ok thanks for the advice. I wont waste a HP. They already approved me for $5000 for the installment plan. Its no interest for 12 months. However, the 12th month has this balloon type payment. If you dont pay it all they add outrageous and humungous amount of interest for the 13th month. I thought I could avoid that kind of pressure and get the revolving account. I guess I will select the least expensive washer and dryer and make sure I pay it all within 12 months. It's hell when you dont have good credit!
Are you taling Conn's easy noney?

Ron.

I dont know. The salesperson referred to it as "our own installment plan". It's a Retail Installment Contract. She said it reports to all three CRA's as an installment account. i would have to pay a minimal amount each month and what's ever remaining has to be paid within that 12 month. If not they calculate interest in the original amount and thats whats owed! Its predatory! However, my family's machines are in horrible shape and I need new ones.

Re: Minimal score for Conn's Synchrony Bank card and which CRA pulled?

Ron1 — Wed, 08 Oct 2014 01:07:51 GMT

@Anonymous wrote:
@Ron1 wrote:
@Anonymous wrote:
Ok thanks for the advice. I wont waste a HP. They already approved me for $5000 for the installment plan. Its no interest for 12 months. However, the 12th month has this balloon type payment. If you dont pay it all they add outrageous and humungous amount of interest for the 13th month. I thought I could avoid that kind of pressure and get the revolving account. I guess I will select the least expensive washer and dryer and make sure I pay it all within 12 months. It's hell when you dont have good credit!
Are you taling Conn's easy noney?

Ron.
I dont know. The salesperson referred to it as "our own installment plan". It's a Retail Installment Contract. She said it reports to all three CRA's as an installment account. i would have to pay a minimal amount each month and what's ever remaining has to be paid within that 12 month. If not they calculate interest in the original amount and thats whats owed! Its predatory! However, my family's machines are in horrible shape and I need new ones.

It sounds like Conn's Easy Money. Their price is a little higher than BBY. You want to make sure to pay it off within the promotional period. They might try to sell to extended service plan. You might not need it. The washer and dryer both got factory warranty.

By the way, you cannot avoid any pressure by having the Conn's Credit Card. I went over there and tried to buy a notebook. There was a swarm of salesmen followed me. You cannot avoid them. You work for commission. I told me I will call them if I need them.

Ron.

Re: Minimal score for Conn's Synchrony Bank card and which CRA pulled?

Anonymous — Wed, 08 Oct 2014 01:04:01 GMT

"It sounds like Conn's Easy Money. Their price is a little higher than BBY. You want to make sure to pay it off within the promotional period. They might try to sell to extended service plan. You might not need it. The washer and dryer both got factory warranty."

Thats great advice and will decline the service plan.

Re: Minimal score for Conn's Synchrony Bank card and which CRA pulled?

Anonymous — Wed, 08 Oct 2014 01:05:53 GMT

@Anonymous wrote:
"It sounds like Conn's Easy Money. Their price is a little higher than BBY. You want to make sure to pay it off within the promotional period. They might try to sell to extended service plan. You might not need it. The washer and dryer both got factory warranty."

Thats great advice and will decline the service plan.

I still prefer Lowe's 18mos 0% offers.

Re: Minimal score for Conn's Synchrony Bank card and which CRA pulled?

Ron1 — Wed, 08 Oct 2014 01:07:11 GMT

@Anonymous wrote:
"It sounds like Conn's Easy Money. Their price is a little higher than BBY. You want to make sure to pay it off within the promotional period. They might try to sell to extended service plan. You might not need it. The washer and dryer both got factory warranty."

Thats great advice and will decline the service plan.

They makes commission when you buy service plan.

Ron.

Re: Minimal score for Conn's Synchrony Bank card and which CRA pulled?

Ron1 — Wed, 08 Oct 2014 01:09:38 GMT

@Anonymous wrote:
@Anonymous wrote:
"It sounds like Conn's Easy Money. Their price is a little higher than BBY. You want to make sure to pay it off within the promotional period. They might try to sell to extended service plan. You might not need it. The washer and dryer both got factory warranty."

Thats great advice and will decline the service plan.
I still prefer Lowe's 18mos 0% offers.

His score might be too low to get approved for Lowes.

Ron.

Re: Minimal score for Conn's Synchrony Bank card and which CRA pulled?

Anonymous — Wed, 08 Oct 2014 01:10:38 GMT

Which bureau will Lowes pull and what score do they want to see?

Re: Minimal score for Conn's Synchrony Bank card and which CRA pulled?

Ron1 — Wed, 08 Oct 2014 01:14:14 GMT

@Anonymous wrote:
Which bureau will Lowes pull and what score do they want to see?

Lowes pulled TU. at least 630.

Ron.

Re: Minimal score for Conn's Synchrony Bank card and which CRA pulled?

Anonymous — Wed, 08 Oct 2014 01:15:15 GMT

@Ron1 wrote:
@Anonymous wrote:
Which bureau will Lowes pull and what score do they want to see?
Lowes pulled TU. at least 630.

Ron.

Like most GE/Synch.

Re: Minimal score for Conn's Synchrony Bank card and which CRA pulled?

Anonymous — Wed, 08 Oct 2014 01:17:20 GMT

Nope I will not qualify for Lowe's. I hope to have all my scores at 620 when some derogs I'm working on are changed and my 2 new secured credit cards gain some history.

Re: Minimal score for Conn's Synchrony Bank card and which CRA pulled?

Scupra — Wed, 08 Oct 2014 16:28:38 GMT

Better yet, act like it's 11 months 0% interest! That way you aren't worrying about it at the 12 month mark