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Hello..
i should not have done it..I should not have done it! I guess I may have now dinged my scores...I went on the chat line for a cli for care credit because I thought it would be sp..I am at 15000 and asked for 19000..they came back with sorry denied and you will be getting a 7 to 10 day letter with name of credit bureau if you have any questions..anyone else know if they are now doing hard pulls
thank you
Karen
Synchrony is almost all soft pulls but if you want to check for a hard pull, grab Credit Karma and they will tell you for free.
@fritscher wrote:Hello..
i should not have done it..I should not have done it! I guess I may have now dinged my scores...I went on the chat line for a cli for care credit because I thought it would be sp..I am at 15000 and asked for 19000..they came back with sorry denied and you will be getting a 7 to 10 day letter with name of credit bureau if you have any questions..anyone else know if they are now doing hard pulls
thank you
Karen
As far as I know, No. It may be different for some. In my recent experience with SyncB products, any request for a CLI (approved or denied) was a SP.
Do you have any kind of monitoring service such as Credit Karma?
If so, I always get an alert if/when there is a HP done on either TU or EQ. Capital 1’s “CreditWise” app will alert me almost immediately for a HP on TU and EX, as well.
yes did not see any hard pulls for it yet
@AverageJoesCredit wrote:
Live and learn. Just remember, that limit affects your overall Synchrony exposure so if you are looking at other Synchrony cards, you may want to think of not raising it anymore so as to leave bread on the table
AJC, I have a question for you. My total exposure with Synchrony is $19.4K on 3 different CLs. What is the acceptable exposure for a Synchrony customer?
@Marz2002 wrote:
@AverageJoesCredit wrote:
Live and learn. Just remember, that limit affects your overall Synchrony exposure so if you are looking at other Synchrony cards, you may want to think of not raising it anymore so as to leave bread on the tableAJC, I have a question for you. My total exposure with Synchrony is $19.4K on 3 different CLs. What is the acceptable exposure for a Synchrony customer?
Acceptable exposure would really depend on how favorable you look from a risk perspective to SYNCB. That being said, maximum unsecured exposure is $100K across all products. A lot of it is based on income, overall profile and other factors.
@FinStar wrote:
@Marz2002 wrote:
@AverageJoesCredit wrote:
Live and learn. Just remember, that limit affects your overall Synchrony exposure so if you are looking at other Synchrony cards, you may want to think of not raising it anymore so as to leave bread on the tableAJC, I have a question for you. My total exposure with Synchrony is $19.4K on 3 different CLs. What is the acceptable exposure for a Synchrony customer?
Acceptable exposure would really depend on how favorable you look from a risk perspective to SYNCB. That being said, maximum unsecured exposure is $100K across all products. A lot of it is based on income, overall profile and other factors.
Thanks @FinStar for the information!!!
I PIF all of my SYNCB accounts except for the 6 Months No Interest deals at PayPal Credit (I PIF those charges during month 6). So, it looks like I have room to grow because I don't plan on getting any additional accounts from SYNCB.
I think you're perfectly fine @Marz2002 since you appear to have plenty of [SYNCB] room to grow