Applications for Synchrony Bank

[Anonymous]

This site can be dangerous because people tell you the easy ways to get more credit.  The urge to app never goes away if you keep visiting this site.  Hopefully we will all find a balance.

[Anonymous]

i have to be honest i would enjoy a wallet full of credit cards just to prove that im capapble of managing them i read a post where someone said they have 54 cards and counting i thought i had a lot with 8 i believe in carrying credit cards because in this day and age cash is a pain and who has the time to go to an ATM to withdraw cash and pay outrageous fees.  I have a TD Bank account i made the mistake of going to a non TD ATM not only having to pay a $3.50 surcharge fee but then two days later i get an email saying i was charged an additional $2.00 from the bank because i didnt use theirs so i paid $5.50 to take out $30 so bottom line i rarely use cash anywhere 

[Anonymous]

I bank locally with South Atlantic Bank.  No matter what ATM I use in any state they pay the fees.  There is no minimum balance I have to keep in my account and they have a coin machine where they count my change and don't charge a fee for it.  I recently had 7 bank accounts due to signing up for credit unions trying to get pre-approvals for credit cards.  I now only have 3 bank accounts (checking and savings with Navy Fed).  I went from a $500 Barclays mastercard to $51,000 in revolving credit lines in a year.  I messed up recently and got my 10th HP on Equifax but I am still in the mid to high 700s across all bureaus.  Let your credit age and Citi and Chase will both open up to you like they did me.

I get all kinds of reactions when I am at a cash register.  Every thing from jealousy, questions about credit,  to people saying that looks like what they had as a teenager and they'll never go there again.

[12njoy]

OP, despite what anyone says, you know your full situation.  Any information derived here should be taken with a grain of salt.  I give advice based on what's asked.  I am not advocating anyone to apply or not to apply.  The choice is the reader's.  I myself have read posts and applied based on information I've read and research and at times decided not to apply based on what I read and/or researched. 

[Anonymous]

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@Anonymous wrote:

@i have zero baddies no late or missed payements but i have short credit history and way more inq then i should i got a letter from staples because i buy a lot there they denied me simply for having to many inq chase has denied me for freedom card and so has amex everyday card currently i have amazon store card 2100 cap1 QS 1300 Cap 1 platinum 500 credit 1 600 walmart master card 1600 lowes stroe card 1300 ebay mastercard 250 belk store card 450 low utiliz @Anonymous% but still getting denied the whole credit system confuses me and i already know i have to many hard hits but im eager to reestablish good credit the only banks willing to take a chance are synchrony and cap 1 and im scared to ask for increases for fear of them decreasing my limits and causing my utiliz to increase 

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Hi RJ.

I don't know how Walmart MC works cause I have the store card, but I've never had any luck with the luv button on any of the cards I have.  I use the chat function with Lowes.  I initially started out with $500 5 1/2 months ago and now I'm at $10k.  I feel like I have reached my limit at this point in time and I won't go for anymore increases util I can get my TU score over 700. Using the chat function is usually a SP.

[Anonymous]

the only difference with the walmart master card is it can be used anywhere mastercard is accpeted i originally applied for the store card but synch bank approved me for the master card instead whats nice about it is they give you a copy of the card if you have a smart phone and you can use it at the store until the actual card arrives. i have a 1600 CL with them but never plan on going anywhere near that amount.  I would like an increase on my Lowes because of a project coming up and the special financing would be great on some major appliance purchases but it has said twice now cannot complete CLI online so im assuming i have to go to the store and speak with customer service ?

[fltireguy]

Noooo.. You will call  credit solutions and ask for a $15increase.. You might be surprised