Chances for Ebates?

[Anonymous]

I use Ebates a ton and noticed they have a credit card where you can earn even more. From reading up on the card in some threads, seems it is a tough card to get. I have a handful of Synchrony bank cards and treat them well. My TU is at 693. I do have a few cards with balances that I was planning on paying off with my tax return. Wondering if I should wait.

[Anonymous]

If you really want it, I suggest you pay off the balances, wait for it to update on your bureau and then apply. If I may, how many synchrony cards do you currently have?

[willwar14]

What is your util?

[Anonymous]

I have three. Walmart MC, TJMaxx store CC and Care credit.

[Anonymous]

Overall is 20% but on two cards it's on the higher side.. they're about 50-60%. I haven't been in a hurry to pay them off because of 0% promos still in good effect,

[Anonymous]

---

@Anonymous wrote:

I use Ebates a ton and noticed they have a credit card where you can earn even more. From reading up on the card in some threads, seems it is a tough card to get. I have a handful of Synchrony bank cards and treat them well. My TU is at 693. I do have a few cards with balances that I was planning on paying off with my tax return. Wondering if I should wait.

---

Tough is relative. As Synch cards go, yes, it is probably their most difficult. Compared to other cards, though, not that tough. That said, I would wait until your TU score pops through the 700 level and your util is down around 10% or less.