6 mos. Post BK7 -- Synchrony Let Me Back In!

[toi34]

I read that getting back in with Synchrony is YMMV between 6mos. to a year, for ME it was 6 months (I was discharged in April).

APPROVED for $2000!

[twono]

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@toi34 wrote:

I read that getting back in with Synchrony is YMMV between 6mos. to a year, for ME it was 6 months (I was discharged in April).

APPROVED for $2000!

NICE!!  If you don't mind me asking, how much did you burn them for?  I burned them for about $20k.

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[toi34]

Wow...not nearly that much. I don't remember exactly, but anywhere from between $5-7k.

[Guyatthebeach]

Congratulations on your approval! You are one of a handful I've seen approved less than a year out of BK. What card were you approved for?

Guyatthebeach

[FireMedic1]

Nice. Dont see this that often. Congrats!!!!!!!!!!!

[MyDataMyChoice]

What card did you get approved for?

[toi34]

Oops... for forgot to say the card: Paypal Credit. They pulled Equifax, score is 659 (myfico) with 1% utilization; AZEO method but it works best for ME with 2 cards reporting: Credit One $24/$650 and OpenSky $13/$500.
Oh! ... and Carvana approved me for 3.90%, $0 down, with 69 months.
Thanks Myfico forums, I couldn't be on a steady rebuild without you. 🥰

[twono]

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@toi34 wrote:
Oops... for forgot to say the card: Paypal Credit. They pulled Equifax, score is 659 (myfico) with 1% utilization; AZEO method but it works best for ME with 2 cards reporting: Credit One $24/$650 and OpenSky $13/$500.
Oh! ... and Carvana approved me for 3.90%, $0 down, with 69 months.
Thanks Myfico forums, I couldn't be on a steady rebuild without you. 🥰

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I thought Paypal credit was Comenity?  Oh, that's right, they went from Comenity to Sychrony recently.  I remember that PP Credit didn't report  to the bureaus so it was a way to hide debt.  

Surprisingly enough, i've been getting  pre-approvals for PP Credit and PP MC Cash card since my BK discharge 3 wks ago.  

[CashBackQueen]

Congrats! Even after more than a year I couldn't get back in with them. I'm close to 2 years and scared to try now.