topic Re: Synchrony Denial in Credit Cards

Synchrony Denial

Anonymous — Thu, 09 Oct 2014 16:53:48 GMT

I have NEVER gotten approved for a Synchrony backed card. I get preapprovals for almost any Comenity card I want.

Stated:

too many inquiries (had 2)

accounts too new ( 2 years worth of new TL's)

Serious delinquencies (they are all off now)

What does a person have to do to get anything from them? Reconing with EO didn't work either. I give up!! I don't want anymore inquiries from them on TU without a card to go along with it.

Re: Synchrony Denial

Anonymous — Thu, 09 Oct 2014 17:14:16 GMT

I'm right there with you. I think Synchrony hates me. I had a PayPal SmartConnect, opened at $500 I believe, dropped to $300 after PIF, then to $100 after PIF. Was my oldest revolver, but with new credit I closed it last month. Tired of being at 60% util after a tank of gas. I have a synchrony Care Credit, but it was joint with my mother-in-law who is the primary, so it doesn't account for much with Synchrony.

Last month on a Walmart app it shows, "TOO MANY ACCOUNTS OPENED IN LAST 24 MONTHS HAVE BEEN 30 DAYS PAST DUE " WHAT? I have ONE late pay on ONE account opened in the last 36 months and it is on my auto loan opened in 1/2013. Needless to say, I am writing a Goodwill letter to the auto loan to see if they would remove it as it was 32 days late due to employer change, which changed me from weekly to monthly pay period. In fact, that is the only 30-day late payment I've had in the past 24 months all together!

Re: Synchrony Denial

skigirl916 — Thu, 09 Oct 2014 19:01:42 GMT

@Anonymous wrote:
I'm right there with you. I think Synchrony hates me.

I think they hate your score, not you. Not many banks will approve for 600 and below.

I would lay off going after store cards for a while, and garden and focus on getting a Visa/MC with a decent limit.

Re: Synchrony Denial

Anonymous — Thu, 09 Oct 2014 19:04:53 GMT

@Anonymous wrote:
I have NEVER gotten approved for a Synchrony backed card. I get preapprovals for almost any Comenity card I want.

Stated:
too many inquiries (had 2)
accounts too new ( 2 years worth of new TL's)
Serious delinquencies (they are all off now)

What does a person have to do to get anything from them? Reconing with EO didn't work either. I give up!! I don't want anymore inquiries from them on TU without a card to go along with it.

is their loss

Re: Synchrony Denial

Anonymous — Thu, 09 Oct 2014 20:57:46 GMT

@Anonymous wrote:
@Anonymous wrote:
I have NEVER gotten approved for a Synchrony backed card. I get preapprovals for almost any Comenity card I want.

Stated:
too many inquiries (had 2)
accounts too new ( 2 years worth of new TL's)
Serious delinquencies (they are all off now)

What does a person have to do to get anything from them? Reconing with EO didn't work either. I give up!! I don't want anymore inquiries from them on TU without a card to go along with it.
is their loss

Thank you!

Re: Synchrony Denial

Anonymous — Thu, 09 Oct 2014 21:11:46 GMT

They never approve me either.

I think the best thing is to just take care of the cards and accounts we all have now and after awhile, they will come around.

Re: Synchrony Denial

Anonymous — Thu, 09 Oct 2014 22:27:55 GMT

@skigirl916 wrote:
@Anonymous wrote:
I'm right there with you. I think Synchrony hates me.

I think they hate your score, not you. Not many banks will approve for 600 and below.

I would lay off going after store cards for a while, and garden and focus on getting a Visa/MC with a decent limit.

Well, when I first got the PayPal SmartConnect I was not so horrid, mid-high 600's, had it for several years no CLI no nothing and then I had some student loan issues, and they dropped me like the plague. Lowered the limit everytime I PIF until it was at $100CL, over 7 months dropped $400CL. So I closed it last month and haven't apped for a Synchrony card in who knows how long other than a joint Care Credit in June with my mom-in-law due to unforseen vet and medical we had, and I asked her to joint because I knew they would decline me and the wife automatically. It's been paid for 3 months, always above the minimum and has 16% util. out of $3400CL, down from 21% in June.

And yes, I got the store cards and 2 Cap1 cards to rebuild while I fight with CBs about inccorrect student loan data and yes I am being a good boy and gardening

The hope is, Synchrony (well preferably Chase/Amex/Discover/Citi) will like my score after next year, provided I can get resolution on Sallie Mae student loan inaccuracies, if not then it will be late 2017 when they drop, the the big lenders like my score again.

I digress - the issue I take with Synchrony is there are tons of people tanked that get a Synchrony account, but it depends on what is on your report, not just the score, depends upon types of negatives really I think.

Re: Synchrony Denial

CardHunter — Thu, 09 Oct 2014 23:03:53 GMT

@Anonymous wrote:
I have NEVER gotten approved for a Synchrony backed card. I get preapprovals for almost any Comenity card I want.

Stated:
too many inquiries (had 2)
accounts too new ( 2 years worth of new TL's)
Serious delinquencies (they are all off now)

What does a person have to do to get anything from them? Reconing with EO didn't work either. I give up!! I don't want anymore inquiries from them on TU without a card to go along with it.

Don't feel bad I just apped in store at WalMart a couple of days ago and was denied on the spot (TU 660). I also got denied 3 months ago for Sony Synchrony financing, so they got 2 HP out of me... I give up on these guys.

Re: Synchrony Denial

BearsAndTurtlesRtheBest — Thu, 09 Oct 2014 23:06:22 GMT

I think capital one and comenity are the easy ones to get in with when having low scores, GE also hates my inquiries.

Re: Synchrony Denial

Anonymous — Thu, 09 Oct 2014 23:10:49 GMT

@BearsAndTurtlesRtheBest wrote:
GE also hates my inquiries.

who do they think they are? Chase or Barclays?

Re: Synchrony Denial

BearsAndTurtlesRtheBest — Thu, 09 Oct 2014 23:20:29 GMT

@Anonymous wrote:
@BearsAndTurtlesRtheBest wrote:
GE also hates my inquiries.
who do they think they are? Chase or Barclays?

I would say Barclays.

Re: Synchrony Denial

godscountry — Thu, 09 Oct 2014 23:44:21 GMT

I just had an epic spree and gained 87k in credit. out of that, Sync denied me for Care Credit.... subsequently I was approved for $17k in credit from other lenders. I couldnt believe it. So I apped for Texaco/Chevron and they didnt give me the visa, and gave me toy limit of $500. then I apped for Paypal since I am longtime member....they gave me $1500. Subsequently apped for Diner's Club and got $10k. I havent had a chance to call Sync yet, but I will soon and ask them what gives, and also, tell them I will refuse the gas card if they dont upgrade it to Visa.

Re: Synchrony Denial

taxi818 — Thu, 09 Oct 2014 23:56:34 GMT

@godscountry wrote:
I just had an epic spree and gained 87k in credit. out of that, Sync denied me for Care Credit.... subsequently I was approved for $17k in credit from other lenders. I couldnt believe it. So I apped for Texaco/Chevron and they didnt give me the visa, and gave me toy limit of $500. then I apped for Paypal since I am longtime member....they gave me $1500. Subsequently apped for Diner's Club and got $10k. I havent had a chance to call Sync yet, but I will soon and ask them what gives, and also, tell them I will refuse the gas card if they dont upgrade it to Visa.

But your siggy is in the atmosphere. op still have issues to clear up. then im sure he or she will be in there. its not really like they are so hard core. they are just looking at baddies. maybe even if op removed just 1 negative then he would be in there. who knows. i would not try over and over for their card unless like you it was a visa or mastercard.

Re: Synchrony Denial

godscountry — Fri, 10 Oct 2014 00:06:09 GMT

@taxi818 wrote:
@godscountry wrote:
I just had an epic spree and gained 87k in credit. out of that, Sync denied me for Care Credit.... subsequently I was approved for $17k in credit from other lenders. I couldnt believe it. So I apped for Texaco/Chevron and they didnt give me the visa, and gave me toy limit of $500. then I apped for Paypal since I am longtime member....they gave me $1500. Subsequently apped for Diner's Club and got $10k. I havent had a chance to call Sync yet, but I will soon and ask them what gives, and also, tell them I will refuse the gas card if they dont upgrade it to Visa.
But your siggy is in the atmosphere. op still have issues to clear up. then im sure he or she will be in there. its not really like they are so hard core. they are just looking at baddies. maybe even if op removed just 1 negative then he would be in there. who knows. i would not try over and over for their card unless like you it was a visa or mastercard.

true...

I think one of the easiest to get in, if you want it that bad is Paypal. DW apped, and was approved for SmartConnect and her scores are similar to OP. Friend of mine just got Paypal Extras....BK only negative on report...6 years old. I was denied for Care Credit, but did get Paypal Extras for $1500 after the denial. Other than that, I wouldnt waste inqs on them, the only reason I did was because I had credit from ever lender I wanted to get in with and was heading to the garden...so just threw those in there because all my apps were in the past 2 weeks so they all will fall off virtually same time.

Re: Synchrony Denial

Anonymous — Fri, 10 Oct 2014 01:07:03 GMT

@taxi818 wrote:
@godscountry wrote:
I just had an epic spree and gained 87k in credit. out of that, Sync denied me for Care Credit.... subsequently I was approved for $17k in credit from other lenders. I couldnt believe it. So I apped for Texaco/Chevron and they didnt give me the visa, and gave me toy limit of $500. then I apped for Paypal since I am longtime member....they gave me $1500. Subsequently apped for Diner's Club and got $10k. I havent had a chance to call Sync yet, but I will soon and ask them what gives, and also, tell them I will refuse the gas card if they dont upgrade it to Visa.
But your siggy is in the atmosphere. op still have issues to clear up. then im sure he or she will be in there. its not really like they are so hard core. they are just looking at baddies. maybe even if op removed just 1 negative then he would be in there. who knows. i would not try over and over for their card unless like you it was a visa or mastercard.

I think that right there is it. I've seen mid 500's get nice limits but they had inq's and slow pays, but no collection. charge-off, student loan type baddies. On the other hadn I've seen a high 600 declined with as simple as a charge-off from 4-5 years ago. Who knows.

Re: Synchrony Denial

Anonymous — Fri, 10 Oct 2014 02:13:23 GMT

No baddies at all whatsoever. Not one on TU. Two tries in the past 14 months.

Re: Synchrony Denial

Scott_S — Fri, 10 Oct 2014 02:54:32 GMT

GE/Synchrony Hates Me. No Mater What I App For, I Get Denied. I See People Say How Easy Their Cards Are To Get, But I Have Never Had Any Luck.

Re: Synchrony Denial

taxi818 — Fri, 10 Oct 2014 02:59:37 GMT

@Anonymous wrote:
No baddies at all whatsoever. Not one on TU. Two tries in the past 14 months.

So you are saying no baddies on tu and have credit karma tu 625?? Something not adding up. I have a collection on tu. Paid. But still have it. Credit karma 731. How is this possible if report clean. Maybe utilization??

Re: Synchrony Denial

FinStar — Fri, 10 Oct 2014 03:30:52 GMT

@godscountry wrote:
I just had an epic spree and gained 87k in credit. out of that, Sync denied me for Care Credit.... subsequently I was approved for $17k in credit from other lenders. I couldnt believe it. So I apped for Texaco/Chevron and they didnt give me the visa, and gave me toy limit of $500. then I apped for Paypal since I am longtime member....they gave me $1500. Subsequently apped for Diner's Club and got $10k. I havent had a chance to call Sync yet, but I will soon and ask them what gives, and also, tell them I will refuse the gas card if they dont upgrade it to Visa.

Not too burst your bubble, but also recognizing your recent major approvals, SYNCB is not going to budge on the CareCredit denial - computer generated denials cannot be reconsidered (even at the EO level). The same for your Chevron/Texaco CC - you're considered for the Visa first, if you don't qualify, the retail CC is next in line (subject to approval of course). AFAIK, and while they do happen, not many folks report a lot or upgrades from the gas CC to the Visa for this specific product.

Re: Synchrony Denial

Anonymous — Fri, 10 Oct 2014 04:14:44 GMT

@taxi818 wrote:
@Anonymous wrote:
No baddies at all whatsoever. Not one on TU. Two tries in the past 14 months.
So you are saying no baddies on tu and have credit karma tu 625?? Something not adding up. I have a collection on tu. Paid. But still have it. Credit karma 731. How is this possible if report clean. Maybe utilization??

I've been trying to figure that out as well. It hasn't moved in a while (even after 3 major items were deleted and/or fell off) and stays the same each time I check it. Utilization maybe?