It's not unheard of for this to happen. They could have asked for income or other verification information to be provided by her, and after it wasn't provided they revoked the approval. I'm not saying she'll have positive results but she could contact Synchrony to see if that's the case. Otherwise they'll send her a denial letter.
Or, she could have gotten a pre approval then was denied due to something they didn't like on her reports.
It's not that great of a card and can have very costly consequences if the promotional purchase balances aren't paid in full within the terms they set.
@watcrdt wrote:I could use some advice. I'm currently trying to improve my credit, but I also need dental work and have managed to save $10,000. The total bill is $25,000. My mom offered to apply for Care Credit if I give her the money and then pay her back in monthly installments for the rest. She has a solid credit score, a good job, and owns her house outright, so she got approved for $20,000. However, a few days later, she told me she was denied. I'm really puzzled about why that happened. Some people think she might be saying that to avoid being responsible if I can't pay her back, which I totally get. $20,000 is a big deal, but I can't help but wonder if she really got denied or if she's just trying to dodge the stress of managing that debt and worrying about my repayments.
this often happens with synchrony care credit
if when she applied she entered in the box that says how much you want: $25,000 and they approve you for $20,000, synchrony can approve you for the smaller amount
but then they send a denial letter giving reasons why they couldn't give you the full $25,000, not that they denied the account completely. you need to closely read the denial letter, because it should explain that the denial is that they couldn't give you the limit that was requested, not that the account itself was denied.
the $20,000 approval is probably still good and valid.
likely, anyway
