Re: Approved! Synchrony Amazon Card

MrDJSeattle · ‎12-01-2018

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

Hex · ‎12-01-2018

Congratulations on the Amazon card!

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.

MrDJSeattle · ‎12-01-2018

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

MrDJSeattle · ‎12-01-2018

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