Apply for Paypal or Amazon Synchrony?

[BigOrange]

I have a capital one Platinum card opened Sep 3, 2014 with a 900 CL and a Capital one Quicksilver with 6500.00 CL opened Mar 13, 2017. I just got a Discover IT with a 9500.00 CL that is now showing on my Equifax.

Fico score is 617

The only thing bad left on my credit report is the bankruptcy from 09/2012. I did not burn Synchrony, but I had a GE Capital Paypal card that was in the BK.

Are Amazon or Paypal Bankruptcy friendly?

[Anonymous]

I got approved for PP/Amazon/Walmart, all by Synchrony 6-7 months after discharge.  Granted they were 300/200/400 limits.  Got Amazon up to 2000 after a couple months.  Haven't gotten PP to budge what so ever and just got Walmart to 1000 this week.  

[BigOrange]

I just applied for Amazon and they said an immediate decision about your application cannot be provided as it requires further review. Says they will let me know in 30 days :-( Other posts say this may be a good sign if it says 30 days, and just means they need more information.

Makes no sense because I have a Discover card with a 9500.00 limit. lol

[BigOrange]

Opps just realized my Credit report was locked! 

[Anonymous]

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@BigOrange wrote:

Opps just realized my Credit report was locked! 

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LOL

OP, i would try the Wal-Mart Master Card.  A least you can use it in places other than Wal-Mart.  

Other good Sync cards are Gap Visa and Tj Maxx Platinum Master Card.

[AverageJoesCredit]

Op, what are you actual Ficos for the big 3. I'm not sure which FICO is 617 but that is way too low to be approved for a Chase Amazon or even a Sync imo. Even the majority of Sync store cards would be hard to get at 617. Thank you for any clarification

[CreditCuriosity]

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@BigOrange wrote:

I just applied for Amazon and they said an immediate decision about your application cannot be provided as it requires further review. Says they will let me know in 30 days :-( Other posts say this may be a good sign if it says 30 days, and just means they need more information.

Makes no sense because I have a Discover card with a 9500.00 limit. lol

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Makes perfect sense, that is how Discover rolls lol.

And yes unlocking your TU report will do wonders although certainly don't expect a 9500 approval with a 620 score....  Best of luck!

[BigOrange]

 wrote:
Op, what are you actual Ficos for the big 3. I'm not sure which FICO is 617 but that is way too low to be approved for a Chase Amazon or even a Sync imo. Even the majority of Sync store cards would be hard to get at 617. Thank you for any clarification

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That's what it says on the Discover APP for my FICO.

[Anonymous]

I would apply for Amazon! I applied for the Amazon Store Card last November and got declined Just recently I've added 6 new credit cards and Synchrony is the only bank that I don't have a card through. I was hesitant because I have previously applied for Wal-mart and Amazon in the past. I just applied today and selected the "insurance" (don't know if that increases your odds and I can always cancel it down the road) and I was approved! 

[AverageJoesCredit]

Lol +1 CreditCuriosity

Discover 9500 on a 617 TU FICO, that's Disco and super impressive, but other lenders are not Discover. I would work on the scores before trying for other prime cards. Just my opinion though some evidence to support it all around us.