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Synchrony

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icyhot
Valued Contributor

Synchrony

I didn’t include Synchrony in my BK but I included PayPal credit when it was under comenity. Will I be able to get PP Credit after discharge? My meeting was 9/30
Ch 7 BK discharged 12/2018
Bank Cards: NFCU Flagship Rewards $25K | NFCU Cash Rewards $20K |NFCU More Rewards Amex $17K | PenFed Power Cash $12.5K | PenFed Platinum Rewards $12.5K | PenFed Pathfinder Rewards $10K | PenFed Gold Card $7.5K | PayPal Cashback Mastercard $5K | Apple Card $3.5K
Store Cards: Bergdorf Goodman $10.5K | Neiman Marcus $7.5K | Care Credit $7K |
Scores: EX 656 | EQ 667 | TU 680


Goal Card: Amex Platinum (Amex IIB, waiting for 5 year mark)
Message 1 of 7
6 REPLIES 6
Anonymous
Not applicable

Re: Synchrony

I don’t think anyone will be able to give you a definite answer. More than likely, you’ll have to apply to find out. Good luck. 

Message 2 of 7
Anonymous
Not applicable

Re: Synchrony

I didnt include Synchrony in my BK and applied roughly one month post discharge and did not get approved. The only reason why i applied as I recieved promos from Paypal via email and thought i could get in early. 

 

Per the information i read here, Synchrony wants to see at least 6 months of good credit history.

 

Discharged July 28,2018

Applied Paypal Credit 8/30/18.

Message 3 of 7
AverageJoesCredit
Legendary Contributor

Re: Synchrony

As nice as Paypal Credit is, for a rebuilder it doesnt do anything for your credit as it is a hidden tradeline. So you are taking
a hard pull for something that wont advance your credit profile.
Message 4 of 7
icyhot
Valued Contributor

Re: Synchrony

Eh I get that but I wanna take advantage of the financing promotion which is hard to come by.
Ch 7 BK discharged 12/2018
Bank Cards: NFCU Flagship Rewards $25K | NFCU Cash Rewards $20K |NFCU More Rewards Amex $17K | PenFed Power Cash $12.5K | PenFed Platinum Rewards $12.5K | PenFed Pathfinder Rewards $10K | PenFed Gold Card $7.5K | PayPal Cashback Mastercard $5K | Apple Card $3.5K
Store Cards: Bergdorf Goodman $10.5K | Neiman Marcus $7.5K | Care Credit $7K |
Scores: EX 656 | EQ 667 | TU 680


Goal Card: Amex Platinum (Amex IIB, waiting for 5 year mark)
Message 5 of 7
pizza1
Community Leader
Super Contributor

Re: Synchrony

I think you'd be ok! Remind me again when your DC was?
Message 6 of 7
icyhot
Valued Contributor

Re: Synchrony

Haven’t been discharged yet pizza. Filed on 8/31

Ch 7 BK discharged 12/2018
Bank Cards: NFCU Flagship Rewards $25K | NFCU Cash Rewards $20K |NFCU More Rewards Amex $17K | PenFed Power Cash $12.5K | PenFed Platinum Rewards $12.5K | PenFed Pathfinder Rewards $10K | PenFed Gold Card $7.5K | PayPal Cashback Mastercard $5K | Apple Card $3.5K
Store Cards: Bergdorf Goodman $10.5K | Neiman Marcus $7.5K | Care Credit $7K |
Scores: EX 656 | EQ 667 | TU 680


Goal Card: Amex Platinum (Amex IIB, waiting for 5 year mark)
Message 7 of 7
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