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Do I have a shot at recon with Amazon synchrony bank?

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Anonymous
Not applicable
‎02-14-2015 02:52 PM
‎02-14-2015 02:52 PM

Do I have a shot at recon with Amazon synchrony bank?

I had a credit line of $700 with them taken out at the end of 2011. Mid 2011 it went to collections. I paid this collection off a few months ago. I have since improved my credit score significantly. I have the Capital One Secured MasterCard with CL of $200 and the Capital One Sony Rewards Visa with a CL of $500. I keep these paid down and never carry a balance. I recently applied again for the Amazon account and was declined. Do you think it's worth a recon? Would they reconsider me since I did pay the collection? Oh yeah, and my high score is 630 and low is 617.

Message 1 of 6
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5 REPLIES 5
chalupaman
Super Contributor
‎02-14-2015 02:53 PM
‎02-14-2015 02:53 PM

Re: Do I have a shot at recon with Amazon synchrony bank?

 Sync isn't really good at recons at all unfortunately.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 2 of 6
ojefferyo
Valued Contributor
‎02-14-2015 03:36 PM
‎02-14-2015 03:36 PM

Re: Do I have a shot at recon with Amazon synchrony bank?

It's going to be awhile before they let you back in.

Amex Platinum, Amex Hilton HHonors Surpass, Chase Southwest Premier, Chase Marriott Rewards Premier, Discover IT, Sony Visa, Barclay Arrival+ MC, Cabela Visa, Walmart SC, Amazon SC, Kohls, Diners Club Premier, PayPal Credit, PenFed Platinum Reward Visa, PenFed PLOC, Chase Ritz Carlton, Citi TY Premier, Amex BCP, Discover Miles, Care Credit, Blue Nile SC, iComfort SC, Cap1 Venture, Chase Hyatt, Lowes, US Bank Cash+, Citi Costco Visa
Message 3 of 6
Anonymous
Not applicable
‎08-13-2015 06:43 PM
‎08-13-2015 06:43 PM

Re: Do I have a shot at recon with Amazon synchrony bank?

I'm so shocked ... I reapplied on a whim and got a $800 CL!

Message 4 of 6
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FinStar
Moderator Emeritus
‎08-13-2015 06:44 PM
‎08-13-2015 06:44 PM

Re: Do I have a shot at recon with Amazon synchrony bank?

@Anonymous wrote:

I'm so shocked ... I reapplied on a whim and got a $800 CL!

See what a little bit of time and patience can do?  Good outcome!

Message 5 of 6
KneelBeforeZod
Frequent Contributor
‎08-13-2015 07:05 PM
‎08-13-2015 07:05 PM

Re: Do I have a shot at recon with Amazon synchrony bank?

Congrats on your new approval!
Current Scores (Dec 20, 2015) - EQ=719 EX=739 TU=740
Message 6 of 6
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