Amazon Prime Store Card, Synchrony, and BK7??

Anonymous · ‎06-29-2020

Hi Folks,

As I contemplate my next credit moves 14 months out of my BK7 DC, I am considering many options for the future. One card/bank I cannot seem to catch a break with is Synchrony. I am an Amazon Prime member, I order pretty frequently (I even have a couple items finishing their 6-month equal pay plan), and I like the service. I've scanned the boards here which seem to indicate the the store card (NOT the Chase co-branded card, from which I am banned until 2029) is pretty easy to get. When I went to the card's site, I was confronted with the following terms and conditions on the middle of the page (see screenshot):

Is it true that you can have NO BK, or is there a time limit? I mean I've read that folks with recent BKs are getting this card, but it CLEARLY states the no-BK rule. I guess it's YMMV?

EDIT: PS, I had NO SYNCHRONY cards IIB.

Scupra · ‎06-29-2020

Never knew that was there haha! I wonder if that is new.. Highly doubt they have changed the rules though

Rogue46 · ‎06-29-2020

They gave me a Amazon store card 5 yrs post BK7. I don't know if the timing or what, Just wanted to throw that dp out there

JR_TX · ‎06-29-2020

Sync isn't BKPhobic so Unless that's something very new then I think that's just a reiteration of Chase's No BK policy since they're an Amazon card issuer as well.

New cc TLs : 0/6 ; 0/12 ; 0/24 | HPs EX 3 EQ 3 TU 4 | AAoA 8y1m | UTIL 1% - 4% | $300K+ Total Limits

chuckwood · ‎06-30-2020

There have been alot of people around the fourms that has a bk with a amazon card but maybe they are tighting up. They also have the secured amazon card now that can graduate. Maybe its a way to push that.

Meanmchine · ‎06-30-2020

Years ago, I had two unpaid COs ( Sams Club and Walmart ) and they were showing on my reports and Synchrony still approved me again for those same cards. Synchrony is very forgiving. Good luck

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>8/2024 All 3 reports 835ish (F8) F9s = 850 but my app finger is still twitching

Meanmchine · ‎06-30-2020

Also, how do you know you are Chase BLed til 2029?

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>8/2024 All 3 reports 835ish (F8) F9s = 850 but my app finger is still twitching

Anonymous · ‎06-30-2020

@Meanmchine wrote:
Also, how do you know you are Chase BLed til 2029?

Can't get a Chase card with a Bk on your report. My Bk falls off in 2029

arifjk · ‎07-01-2020

I had BK7 in 10/12, Discharge in 01/13. I applied Amazon Store Synchrony card in 2017, approved with $1900 SL. Never able to get a CLI, until yesterday, when I had my CC UTIL down to 5%. So, yes, you can apply Amazon store synchrony card post BK.