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Approved! Synchrony Amazon Card

MrDJSeattle
Valued Member

Approved! Synchrony Amazon Card

It has just over two years since my BK7 discharge (11/2016) and decided to apply for the Amazon Store Card because I do so much of my shopping on Amazon.com.   I was a little nervous because Synchrony Bank was IIB for about $1,000.  

 

I received an instance approval with a starting limit of $3,800.  I PIF every month, so the limit only needed to be as much as I spend, but this will be great addition to my rebuild journey.  

08/2016 - BK 7 - Filing
11/2016 - BK7 - DC
08/2019 - EQ716 // EX709 // TU687 (FICO8)
NFCU GoRewards (Unsecured) - $11,500 (Auto graduated 12/2017, CLI +$3K 8/2018)
USAA Platinum (Unsecured) - $21,000 (CLI 1K to 3K 1/2018, CLI +$6.5K 8/2018, +9.5K 8/2019)
USAA Cash Rewards (Secured) - $5,000
Nordstrom Retail Card (Unsecured) - $800 (CLI +$300 7/2018)
Credit One (Unsecured) - $1000
Amazon Store Card (Unsecured) - $3,800 12/2018
Chase Sapphire Reserve - Auth user (Unsecured) - $30,500 3/2019
7 REPLIES 7
Hex
Established Contributor

Re: Approved! Synchrony Amazon Card

Congratulations on the Amazon card! Smiley Happy
I’d be interested in any details you have about your USAA cards. I didn’t think you could get one post BK. Did you have a BK 7 or 13? Did you include USAA? Are you current or former Military? I have been a USAA member (non-military) for over 15 years and never burned them but I heard you had to wait 5 years for an unsecured card.
Message 2 of 8
MrDJSeattle
Valued Member

Re: Approved! Synchrony Amazon Card

Hi @Hex,

 

USAA has been very friendly to me.  I did not have an account with them prior to my BK (8/2016), but went right to them after I filed. I immediately received an unsecured card with them for about $1,000.  In January of 2018 I received a CLI that brought my CL to $3,000 and in August I did another CLI and it raised my limit to $9,500.  In December of 2016, I put $5K in a CD and opened a secured card with them.  This one I am keeping open to just to raise my average account age.  

 

NFCU has also been very friendly to me.  Similiar story: opened a secured card with them and they auto-graduated me just about 6 months later and then a CLI about another 6 months later.

 

I am an Army veteran, so that allowed me to open a new account with them.  They were NOT IIB.

 

I hope that this is building a strong relationship with both of them for when I go for a mortgage in a year or two.

 

Did that help?

 

08/2016 - BK 7 - Filing
11/2016 - BK7 - DC
08/2019 - EQ716 // EX709 // TU687 (FICO8)
NFCU GoRewards (Unsecured) - $11,500 (Auto graduated 12/2017, CLI +$3K 8/2018)
USAA Platinum (Unsecured) - $21,000 (CLI 1K to 3K 1/2018, CLI +$6.5K 8/2018, +9.5K 8/2019)
USAA Cash Rewards (Secured) - $5,000
Nordstrom Retail Card (Unsecured) - $800 (CLI +$300 7/2018)
Credit One (Unsecured) - $1000
Amazon Store Card (Unsecured) - $3,800 12/2018
Chase Sapphire Reserve - Auth user (Unsecured) - $30,500 3/2019
Message 3 of 8
MrDJSeattle
Valued Member

Re: Approved! Synchrony Amazon Card

Hi @Mr_Big,

 

It was definitely Sync/Amazon before and after.

 

08/2016 - BK 7 - Filing
11/2016 - BK7 - DC
08/2019 - EQ716 // EX709 // TU687 (FICO8)
NFCU GoRewards (Unsecured) - $11,500 (Auto graduated 12/2017, CLI +$3K 8/2018)
USAA Platinum (Unsecured) - $21,000 (CLI 1K to 3K 1/2018, CLI +$6.5K 8/2018, +9.5K 8/2019)
USAA Cash Rewards (Secured) - $5,000
Nordstrom Retail Card (Unsecured) - $800 (CLI +$300 7/2018)
Credit One (Unsecured) - $1000
Amazon Store Card (Unsecured) - $3,800 12/2018
Chase Sapphire Reserve - Auth user (Unsecured) - $30,500 3/2019
Message 4 of 8
19eighty5
Senior Contributor

Re: Approved! Synchrony Amazon Card

Congratulations on your approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 5 of 8
Hex
Established Contributor

Re: Approved! Synchrony Amazon Card

@MrD
Thanks for the data! Smiley Happy
Message 6 of 8
MyDataMyChoice
Valued Contributor

Re: Approved! Synchrony Amazon Card

MR_Big

Amazon Visa is Chase
Amazon Amex is Amex Centurion
Amazon Store is Synchrony
Amazon Corp is Synchrony


+AU on: 2008 Sears MC $2,001 | 2016 SEARS Store Card $2,001 | 2011 Synchrony Home $5,500 | 2003 FNBO Visa $9,900 | 2008 Macys Amex $3,400 | 2008 Kohls $2,000 | 2008 JC Penny $500 | 2016 TJX Mastercard $1,500 | 2018 AAdvantage Aviator MC $5,600 | 2018 HSN $4,500
Member of: Andrews FCU | PENFED CU | SDFCU | Alliant CU | NASA FCU | NWFCU | Ally Bank | BofA | Merrill | Greenwood CU | Elements Financial CU | Ocean State CU | Wells Fargo | Citizens Bank | Chase Bank | RI Credit Union | US Financial FCU
Message 7 of 8
Guyatthebeach
Valued Contributor

Re: Approved! Synchrony Amazon Card

MrDJSeattle, 

 

Congratulations on the approval for the Amazon store card! I use mine regularly and I love 5% back and free prime shipping! 

Message 8 of 8
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