3 to 4 Synchrony cards in one year, AA?

[4yearsin]

7 months ago I opened 4 new cc including

Paypal MC 3%

Lowes store card

both are from sych. also 2 cards from commenity

I just need 2 more Cards to maximize rewards.

after that i plan on gardering for atleast 2 years.

This is what profile will be when applying.

TU FICO8- 758  INQ-2 AAoA- 5yr 7mo AoYA- 7mo

AoOA-16yr5mo(AU) without AU- 4years 11mo         total util=8%  income-138kyr

8 cc's individual

Plus 4 AU - No negatives on AU

AU- Macys-16yr 0/6500cl Kohls-16yr 0/3000cl

AU- UsBank-11yr 0/600cl Discover-5yr 0/14500cl

Negatives- 1- 30day late - 3yr5mo old.

Here are my options (which gives me the best chance of approval)

Ive had my paypal and lowes last 7 months, with

heavy usage and PIF for paypal. and lowes with 14%utilization with 25k limit.

  My paypal MC only has a 300CL which i have been using  and PIF twice a month. Im gonna call for SP CLI right before doing applications.

If they don't increase at all, then I will avoid applying for any of there CC's

Will the last 7 months of history with synch be good enough for approval for 3rd synch or would it look more negative and I should stay away from them?

I also have 2 commentity store cards with 7 months history. So same situation as synch, which bank fits my criteria.

 Here's my list of potential cards for rewards=

Sam's Club MC (sych)- who do they pull?

will my paypal and lowes 7 months of on time

help being approved with a decent limit?

does club or plus membership help in any way?

FNBO evergreen- I did the Prequalify and it showed me 9600 cl but with the highest apr.

AAA Travel CC- (commenity) I also have have aaa

membership, dont know if that will help

Discover It-  Shows multiple cards under preapproval

I was thinking Sams Club and Discover. Unless there is a better option or card for my profile.

 Thank You all for the guidance. I will update the results after applications.

[805orbust]

Take it easy with Synchrony and Comenity for now.  Sure, after the 1 year mark or so, feel free to ask for increases, however they've been costing a HP with Comenity lately.  FNBO pulled Experian for me, however that was a year ago.  It doesn't look like you've gone too nuts recently so I'd think that and Disco is a good way to go.  I can tell you this tho, those rewards add up on that FNBO card.  The cut my wife's limit but have been solid for me.  I love that friggin card.

[SUPERSQUID]

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@805orbust wrote:

Take it easy with Synchrony and Comenity for now.  Sure, after the 1 year mark or so, feel free to ask for increases, however they've been costing a HP with Comenity lately.  FNBO pulled Experian for me, however that was a year ago.  It doesn't look like you've gone too nuts recently so I'd think that and Disco is a good way to go.  I can tell you this tho, those rewards add up on that FNBO card.  The cut my wife's limit but have been solid for me.  I love that friggin card.

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Yes you are correct 805. A couple of months ago I requested a cli on my bread amex and they approved it for 2k, 6k-8k, but hit me with an HP.

[RealEstateGuy89]

Sam's Club pulls TransUnion as does most synchrony products as far as I know. You can earn quite a bit of cash back with their plus membership but I don't think it will help with approval.

I love my FNBO evergreen card. I definitely suggest this card.  They give nice CLI's after four months, and it is easy to grow the credit line as well. GL. 

[805orbust]

Yeah I've only got one Comenity card left and I'm just trying to get it to $10k and no more soft pulls, so I figure I hit it once a year and see what happens.

For all the Tom-foolery with FNBO I still wanna poke them more 🤣  I initially waned to top it out at $25k but now that's its at $21 I'm a little frightened I must admit.  

[Beefy1212]

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@805orbust wrote:

For all the Tom-foolery with FNBO I still wanna poke them more 🤣  I initially waned to top it out at $25k but now that's its at $21 I'm a little frightened I must admit.  

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I think you will be just fine... I barely use my evergreen 14k to 19k to 24k year 1... I never carry, rarely report a balance. accordng to @M_Smart007  the hard pulls start at 25k 

[SweetCreditObsession]

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@805orbust wrote:

Yeah I've only got one Comenity card left and I'm just trying to get it to $10k and no more soft pulls, so I figure I hit it once a year and see what happens.

For all the Tom-foolery with FNBO I still wanna poke them more 🤣  I initially waned to top it out at $25k but now that's its at $21 I'm a little frightened I must admit.  

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🤣 @805orbust!

[Anonymous514]

Be careful synch gives and takes just as fast.

[LADave]

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@Anonymous514 wrote:

Be careful synch gives and takes just as fast.

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This is the main reason why I haven't applied for any Synch cards that don't offer special financing (like the PayPal Mastercard or Venmo Visa). I feel more secure doing business with the major banks (WF, Chase, Cap 1, etc.), and even Comenity.

Speaking of which, there are mixed DPs for Comenity doing a HP for recent CLIs. (@SUPERSQUID got one, and @CreditMagic7 and I didn't get a HP for CLI requests.) I don't know if @CreditMagic7's reports were frozen, but I know mine weren't (doh!).

Since Comenity has been unpredictable, maybe the key for @4yearsin is to freeze those reports before requesting a CLI and see what happens. If they deny your CLI and give a frozen report as the reason, you'll have your answer. Best case scenario, you'll get a CLI and no HP.

[CreditMagic7]

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@LADave wrote:

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@Anonymous514 wrote:

Be careful synch gives and takes just as fast.

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This is the main reason why I haven't applied for any Synch cards that don't offer special financing (like the PayPal Mastercard or Venmo Visa). I feel more secure doing business with the major banks (WF, Chase, Cap 1, etc.), and even Comenity.

Speaking of which, there are mixed DPs for Comenity doing a HP for recent CLIs. (@SUPERSQUID got one, and @CreditMagic7 and I didn't get a HP for CLI requests.) I don't know if @CreditMagic7's reports were frozen, but I know mine weren't (doh!).

Since Comenity has been unpredictable, maybe the key for @4yearsin is to freeze those reports before requesting a CLI and see what happens. If they deny your CLI and give a frozen report as the reason, you'll have your answer. Best case scenario, you'll get a CLI and no HP.

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@LADaveYou can safely say that my reports WEREN'T either. Also since it was fresh on the heels of that same approval in the first place where they DID do a INQ on EX, they saw reports was still open and did the CLI via SP, Kinda of a hunch