Amazon Store Credit App, No letter after 20 days still.

[Anonymous]

I have all the credit reporting on freeze. I did a bit of research and found that Transunion was the go to for Synchrony Bank to do credit checks.

I logged into the TU account, read to give it 15 minutes after notification to unfreeze it. So, I unfroze it waited 30 minutes and applied. Denied. Says I should get an email within 4 days, if no email than 7 - 10 days for snail mail (the way the USPS has been, maybe 2 weeks).

I have a score of 820ish, with a debt / credit ratio of around 13%.  So, I figured I would have no problems.

About an hour later, I get an email from TU "Your freeze has been lifted". Then it dawned on me THAT was the notification, not the other.  So, now that the freeze had been officially lifted, I tried again.

Another denial.

I called synchrony bank and spoke with someone who kept me on the phone for 10 minutes while they were looking at everything.  She said that she couldn't approve the application, and to wait for the letter and re-apply. She couldn't state why she couldn't approve it either.

I checked the TU report and saw I got dinged for a credit check. So, they did run it probably the second time. Should I call back on Tuesday? Wait for the letter? Or am I SOL with a ding on my account and a possible second one if I apply again?

Thanks.

[Rogue46]

I would wait to see what the letter says since you already called and they couldn't give you more info there's not much you can do

[Anonymous]

Thank you for your response.

Is it possible that after an initial denial but after the post denial review (as per the woman on the phone) they would accept the application?

I've only had this happen once, years ago. There was an issue with the credit reporting company who had gotten my father's information onto my credit report (he went through some financial issues). After I explained the credit card they are holding against me was taken out 10 years before I was born, and it was evident by my date of birth provided, they granted me the CC. 

[Anonymous]

To say this has been a bit frusturating.. is an understatement.

I got an email early this am stating;

Dear Blah Blah,

We are responding to your recent application for a AMAZON.COM STORECARD (Reference Number: XYADA). Please click here to review the response on our secure site. To help reduce our impact on the environment, we are sending this letter to you electronically. You can download or print the letter for your records.

If you have trouble opening this within your email system, copy the link below into a new browser and hit enter. This will bring you to an authentication screen where you will be asked for credentials.

https://ebill.onlineebillcenter.com/odletters/odletter.do?subActionId ETC ETC

Sincerely,

AMAZON.COM STORECARD Services

* Note: This email was sent to you by Synchrony Bank's Credit Card Services Division. You may receive account servicing emails even if you have requested not to receive marketing offers by email. Synchrony Bank is located at 170 Election Road, Suite 125, Draper, UT 84020, USA. www.synchronyfinancial.com.

I am like "Oh, great. Now I can get an answer as to what happened!"

So, I open the link.. punch in my reference number and... "The information you provided does not match our records. Please use your browser's back button to try again."

So... I do it again, and it says it again. I change the formatting for my DOB, and try again.

"PDF cannot be displayed"

Try it on 2 different devices, no go. **bleep**?

Guess I am going to have to recall them and ask them what the heck is going on. 

[BmoreBull]

Are you over 5/24? Just curious as to why you would want the Synch version over the Chase card. 

[Anonymous]

I just wanted a card that allowed 0% interest for at least 12 months on fairly large purchases.

I didn't realize the Chase card allowed that as well (deferred payment?) until after I had already applied.

I am no where near 5/24. I have a Chase Card I took out 7 years ago (19k limit) and an under $2500 auto loan with them. I am half tempted to apply for the Chase card, but I don't want to keep dinging my account with hard inquiries. 

[Anonymous]

Well, that wasn't fun.

I kept telling the CSR that I cant access the email they sent me, to see if they need more information.  So, I asked to be transferred to a supervisor (Craig).

He said I have to wait 31 days, then make an application again, and it will create another hard inquiry.  I tried to explain to him that they already have the credit report from a few days ago, and why cant they override the denial as I have nothing wrong with my credit and use that report. He said it's not possible,  and hung up on me.

Well, I wont be making application to that company anymore. Wow.

[OmarGB9]

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@Anonymous wrote:

Well, that wasn't fun.

I kept telling the CSR that I cant access the email they sent me, to see if they need more information.  So, I asked to be transferred to a supervisor (Craig).

He said I have to wait 31 days, then make an application again, and it will create another hard inquiry.  I tried to explain to him that they already have the credit report from a few days ago, and why cant they override the denial as I have nothing wrong with my credit and use that report. He said it's not possible,  and hung up on me.

Well, I wont be making application to that company anymore. Wow.

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This was for Synchrony? If I were you, I'd just take the hit and go with Chase. You already have some history with them, and if you're well below 5/24 with good credit, you probably have good odds. In the grand scheme of things, an HP isn't that big a deal, especially if you don't really have any on your CRs to begin with.

[Anonymous]

I think I'll end up having to do that in the end.

I am going to take a small breather and wait for the paper denial in the mail, just as a mental break.

[Slabenstein]

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Well, I wont be making application to that company anymore. Wow.

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Synchrony can have that effect on people.