No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
@taxdoc wrote:I thought PayPal was Comenity Bank and not Synchrony.
@Shooting-For-800 wrote:was approved first time i applied which was about 1 year.
amazon, lowes, wal-mart, paypal = around 10,000 total
PayPal has two different credit products: PayPal Smart Connect is backed by Synchrony and the PayPal Credit (formerly Bill Me Later) is backed by Comenity
Synchrony declined me for Amazon and Walmart.
At the 5mos mark post Ch7.
Didn' burn any Synchrony in the bk.
I'll try again a six months.
TU score is 653
I got approved Monday for Amazon ($1500) and Walmart ($1100) and was surprised. We are 9 months post DC and included a LOT of Synchrony cards including Walmart. I think the Amazon card was $0 balance. TU FICO is 683. We have been rebuilding pretty well and have about $50K in CL's. Current UTI is 12%, but will be paid off at the end of the month. We run a LOT of $ through our CAP1 cards for the rewards.
I did call Credit Solutions to get a CLI on Amazon, but was shot down. FIgured they may have pulled up my accounts by my social since I don't have the cards yet and saw the BK on them. I may try again once I get the cards and see if that makes a difference.
All in all not too bad considering the time frame and pretty good starting limits.
From what I've read on several forums, 6 mos post DC and at least a 650 FICO gives you a good shot regardless if you've included them or not...BUT as always YMMV...
Just thought I'd share....
1) Which card(s)? Walmart
2) How long after discharge? 7 months (Pulled TU around 650)
3) Did you include any Synchrony accounts in your BK7? Walmart and Amazon for around $5,000
I am about 10 months since discharge (more than a year since file) and I was just approved for a Lowe's (only $300, but I'll take it and I plan on phoning in tomorrow for a CLI).
I did burn Walmart, Amazon and PayPal (all Synchrony accoutns) in BK 7.
My question is: Should I try for other Synchrony approvals or consider myself lucky and stick with Lowe's only for now?
For those interested my FICO 8 scores range from 650 to 665.
@mark_mark wrote:I am about 10 months since discharge (more than a year since file) and I was just approved for a Lowe's (only $300, but I'll take it and I plan on phoning in tomorrow for a CLI).
I did burn Walmart, Amazon and PayPal (all Synchrony accoutns) in BK 7.
My question is: Should I try for other Synchrony approvals or consider myself lucky and stick with Lowe's only for now?
For those interested my FICO 8 scores range from 650 to 665.
You can apply for another Synchrony card, I applied for Walmart and lowes the same day. By the way, my score was around 650 too and my lowes card was also approved for $300.
My boyfriend is still currently IN chapter 13 and it won't be discharged until November of this year and he was approved for Lowes automatically (last week) with a $3,000 starting limit! Income is $90,000/year. I hope this helps.