Does Synchrony Blacklist? Lowe's Prequalification ... - myFICO® Forums

jamerican-girl · ‎08-17-2022

I was prequalified for a Lowe's card with a specific APR and limit. I had an Amazon store card a few years ago and it was closed because I had two returned ACH payments. Long story short, I had some financial issues at the time and messed up. I paid off the account in full. Does anyone know if the problem with the Amazon card will lead to an automatic denial for the Lowe's card? I have a Care Credit card and got a CLI this morning for $1500, bringing the CL on the card to $2000.

Any respone would be greatly appreciated. Afraid to pull the trigger and submit the application.

Keepers:
Wells Fargo: Active Cash - SL: $10,000
Synchrony: PayPal MC Rewards - SL: $8,000 CL: $15,000; Venmo - SL: $4,300, CL: $10,000; Lowe's - SL: $2,000 CL: $10,000; Care Credit - SL: 500 CL: $3,000
Amex: Delta SkyMiles Platinum - SL: $1,000 CL: $4,000; Blue Cash Preferred - SL: $2,000 CL: $4,000; Marriott Bonvoy Bevy - SL $1,700; Hilton Honors Surpass - SL: $8,000
Citi: Costco Anywhere Visa - SL: $8,800; CL: $10,000; Custom Cash Card - SL: $3,500; Wayfair Card - SL: $5,000 CL: $9,100;
PenFed: Gold Card - SL: $3,500 CL: $7,500; Power Cash Rewards - SL: $2,500 CL: $7,500
Bread American Express Cashback - SL: $5,000 CL: $7,500
Mercury Finance - SL: $3,500 CL: $4,250;
Goldman Sachs: Apple Card - SL: $6,000 CL: $6,500; Marcus: GM Card - SL: $3,000;
Kohl's - CL: $3,500; CFNA Firestone - SL: $800, CL: $3,200

Sock Drawer:
Capital One: QuickSilver - CL: $1,250 (finally got CLI)
Sofi: SL: $2,500;
Merrick Bank: CL: $1,300 (can't close, one of my oldest tradelines);
BOA: Customized Cash Rewards - SL $500, CL: $1,500;

Chopping Block:
Capital One: Platinum MC - CL: $600 (they won't give me a CLI);
Credit One: 2 cards with $1,500 & $2,200 CL
Prosper: $1,400

Goal Cards:
Chase Sapphire, WF Autograph and PenFed Platinum Rewards

Car Loans: 1 loan.
Car: 2023 Audi A4 SLine
Paid off:
VW Financial Services: 2020 Jetta
Exeter Finance: 2015 Jetta

Lou-natic · ‎08-17-2022

If Synch didn't close your Care Credit then you aren't "blacklisted".

If they didn't like you not only would they have not given you a CLI on that account but they would have shut it down.

That doesn't mean they'll approve you for more credit however...When they gave you that $1,500 CLI did you ask for more and that's all they would give you or did you actually ask for $1,500 or less?

3/3/24

jamerican-girl · ‎08-17-2022

Thank you for your response. Got it on the blacklist response. I asked for $2,000 and they gave me $1,500 on the Care Credit card this morning.

Keepers:
Wells Fargo: Active Cash - SL: $10,000
Synchrony: PayPal MC Rewards - SL: $8,000 CL: $15,000; Venmo - SL: $4,300, CL: $10,000; Lowe's - SL: $2,000 CL: $10,000; Care Credit - SL: 500 CL: $3,000
Amex: Delta SkyMiles Platinum - SL: $1,000 CL: $4,000; Blue Cash Preferred - SL: $2,000 CL: $4,000; Marriott Bonvoy Bevy - SL $1,700; Hilton Honors Surpass - SL: $8,000
Citi: Costco Anywhere Visa - SL: $8,800; CL: $10,000; Custom Cash Card - SL: $3,500; Wayfair Card - SL: $5,000 CL: $9,100;
PenFed: Gold Card - SL: $3,500 CL: $7,500; Power Cash Rewards - SL: $2,500 CL: $7,500
Bread American Express Cashback - SL: $5,000 CL: $7,500
Mercury Finance - SL: $3,500 CL: $4,250;
Goldman Sachs: Apple Card - SL: $6,000 CL: $6,500; Marcus: GM Card - SL: $3,000;
Kohl's - CL: $3,500; CFNA Firestone - SL: $800, CL: $3,200

Sock Drawer:
Capital One: QuickSilver - CL: $1,250 (finally got CLI)
Sofi: SL: $2,500;
Merrick Bank: CL: $1,300 (can't close, one of my oldest tradelines);
BOA: Customized Cash Rewards - SL $500, CL: $1,500;

Chopping Block:
Capital One: Platinum MC - CL: $600 (they won't give me a CLI);
Credit One: 2 cards with $1,500 & $2,200 CL
Prosper: $1,400

Goal Cards:
Chase Sapphire, WF Autograph and PenFed Platinum Rewards

Car Loans: 1 loan.
Car: 2023 Audi A4 SLine
Paid off:
VW Financial Services: 2020 Jetta
Exeter Finance: 2015 Jetta

Lou-natic · ‎08-17-2022

If I had to hazard a guess, if you are approved for a Lowes card be prepared for a $500 starting limit. If that sounds okay to you go ahead and give it a shot.

3/3/24

coldfusion · ‎08-17-2022

If you were on their blocklist they would have closed all your cards.

If you were currently on their Really Naughty list they wouldn't have given you that CLI.

The CLI may or may not have an effect on a card application but there's no way of predicting for sure what if any impact that would have.

(3/2024)
FICO 8 (EX) 846 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion

Lou-natic · ‎08-17-2022

I'm curious to see where this goes as she did say they gave her a pre-qual with "specific APR and limit".

Having said that, it's Synch so...that APR is gonna be high unless it's a promo purchase for sure. Curious what limit they gave in that "pre-qual".

3/3/24

jamerican-girl · ‎08-17-2022

@Lou-natic wrote:
I'm curious to see where this goes as she did say they gave her a pre-qual with "specific APR and limit".
Having said that, it's Synch so...that APR is gonna be high unless it's a promo purchase for sure. Curious what limit they gave in that "pre-qual".

They gave me $2,000 in the pre-qualification with a 26.99% APR.

Keepers:
Wells Fargo: Active Cash - SL: $10,000
Synchrony: PayPal MC Rewards - SL: $8,000 CL: $15,000; Venmo - SL: $4,300, CL: $10,000; Lowe's - SL: $2,000 CL: $10,000; Care Credit - SL: 500 CL: $3,000
Amex: Delta SkyMiles Platinum - SL: $1,000 CL: $4,000; Blue Cash Preferred - SL: $2,000 CL: $4,000; Marriott Bonvoy Bevy - SL $1,700; Hilton Honors Surpass - SL: $8,000
Citi: Costco Anywhere Visa - SL: $8,800; CL: $10,000; Custom Cash Card - SL: $3,500; Wayfair Card - SL: $5,000 CL: $9,100;
PenFed: Gold Card - SL: $3,500 CL: $7,500; Power Cash Rewards - SL: $2,500 CL: $7,500
Bread American Express Cashback - SL: $5,000 CL: $7,500
Mercury Finance - SL: $3,500 CL: $4,250;
Goldman Sachs: Apple Card - SL: $6,000 CL: $6,500; Marcus: GM Card - SL: $3,000;
Kohl's - CL: $3,500; CFNA Firestone - SL: $800, CL: $3,200

Sock Drawer:
Capital One: QuickSilver - CL: $1,250 (finally got CLI)
Sofi: SL: $2,500;
Merrick Bank: CL: $1,300 (can't close, one of my oldest tradelines);
BOA: Customized Cash Rewards - SL $500, CL: $1,500;

Chopping Block:
Capital One: Platinum MC - CL: $600 (they won't give me a CLI);
Credit One: 2 cards with $1,500 & $2,200 CL
Prosper: $1,400

Goal Cards:
Chase Sapphire, WF Autograph and PenFed Platinum Rewards

Car Loans: 1 loan.
Car: 2023 Audi A4 SLine
Paid off:
VW Financial Services: 2020 Jetta
Exeter Finance: 2015 Jetta

jamerican-girl · ‎08-17-2022

Just hit submit and got a 7-10 day notice. Maybe a denial? I've gotten a few new accounts in the last six months.

Keepers:
Wells Fargo: Active Cash - SL: $10,000
Synchrony: PayPal MC Rewards - SL: $8,000 CL: $15,000; Venmo - SL: $4,300, CL: $10,000; Lowe's - SL: $2,000 CL: $10,000; Care Credit - SL: 500 CL: $3,000
Amex: Delta SkyMiles Platinum - SL: $1,000 CL: $4,000; Blue Cash Preferred - SL: $2,000 CL: $4,000; Marriott Bonvoy Bevy - SL $1,700; Hilton Honors Surpass - SL: $8,000
Citi: Costco Anywhere Visa - SL: $8,800; CL: $10,000; Custom Cash Card - SL: $3,500; Wayfair Card - SL: $5,000 CL: $9,100;
PenFed: Gold Card - SL: $3,500 CL: $7,500; Power Cash Rewards - SL: $2,500 CL: $7,500
Bread American Express Cashback - SL: $5,000 CL: $7,500
Mercury Finance - SL: $3,500 CL: $4,250;
Goldman Sachs: Apple Card - SL: $6,000 CL: $6,500; Marcus: GM Card - SL: $3,000;
Kohl's - CL: $3,500; CFNA Firestone - SL: $800, CL: $3,200

Sock Drawer:
Capital One: QuickSilver - CL: $1,250 (finally got CLI)
Sofi: SL: $2,500;
Merrick Bank: CL: $1,300 (can't close, one of my oldest tradelines);
BOA: Customized Cash Rewards - SL $500, CL: $1,500;

Chopping Block:
Capital One: Platinum MC - CL: $600 (they won't give me a CLI);
Credit One: 2 cards with $1,500 & $2,200 CL
Prosper: $1,400

Goal Cards:
Chase Sapphire, WF Autograph and PenFed Platinum Rewards

Car Loans: 1 loan.
Car: 2023 Audi A4 SLine
Paid off:
VW Financial Services: 2020 Jetta
Exeter Finance: 2015 Jetta

Lou-natic · ‎08-17-2022

Okay did they give you a reference number with that message? If so call the recon line and see what they say.

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/td-p/408066

Credit Analyst/Credit Solutions I think is the number you want to use.

3/3/24

jamerican-girl · ‎08-17-2022

@Lou-natic wrote:
Okay did they give you a reference number with that message? If so call the recon line and see what they say.

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/td-p/408066
Credit Analyst/Credit Solutions I think is the number you want to use.

Lou-natic,

Yes, I got a reference number. I will give them a call and post what they tell me. Thank you so much.

Keepers:
Wells Fargo: Active Cash - SL: $10,000
Synchrony: PayPal MC Rewards - SL: $8,000 CL: $15,000; Venmo - SL: $4,300, CL: $10,000; Lowe's - SL: $2,000 CL: $10,000; Care Credit - SL: 500 CL: $3,000
Amex: Delta SkyMiles Platinum - SL: $1,000 CL: $4,000; Blue Cash Preferred - SL: $2,000 CL: $4,000; Marriott Bonvoy Bevy - SL $1,700; Hilton Honors Surpass - SL: $8,000
Citi: Costco Anywhere Visa - SL: $8,800; CL: $10,000; Custom Cash Card - SL: $3,500; Wayfair Card - SL: $5,000 CL: $9,100;
PenFed: Gold Card - SL: $3,500 CL: $7,500; Power Cash Rewards - SL: $2,500 CL: $7,500
Bread American Express Cashback - SL: $5,000 CL: $7,500
Mercury Finance - SL: $3,500 CL: $4,250;
Goldman Sachs: Apple Card - SL: $6,000 CL: $6,500; Marcus: GM Card - SL: $3,000;
Kohl's - CL: $3,500; CFNA Firestone - SL: $800, CL: $3,200

Sock Drawer:
Capital One: QuickSilver - CL: $1,250 (finally got CLI)
Sofi: SL: $2,500;
Merrick Bank: CL: $1,300 (can't close, one of my oldest tradelines);
BOA: Customized Cash Rewards - SL $500, CL: $1,500;

Chopping Block:
Capital One: Platinum MC - CL: $600 (they won't give me a CLI);
Credit One: 2 cards with $1,500 & $2,200 CL
Prosper: $1,400

Goal Cards:
Chase Sapphire, WF Autograph and PenFed Platinum Rewards

Car Loans: 1 loan.
Car: 2023 Audi A4 SLine
Paid off:
VW Financial Services: 2020 Jetta
Exeter Finance: 2015 Jetta

Does Synchrony Blacklist? Lowe's Prequalification with Specific APR

Does Synchrony Blacklist? Lowe's Prequalification with Specific APR

Re: Does Synchrony Blacklist? Lowe's Prequalification with Specific APR

Re: Does Synchrony Blacklist? Lowe's Prequalification with Specific APR

Re: Does Synchrony Blacklist? Lowe's Prequalification with Specific APR

Re: Does Synchrony Blacklist? Lowe's Prequalification with Specific APR

Re: Does Synchrony Blacklist? Lowe's Prequalification with Specific APR

Re: Does Synchrony Blacklist? Lowe's Prequalification with Specific APR

Re: Does Synchrony Blacklist? Lowe's Prequalification with Specific APR

Re: Does Synchrony Blacklist? Lowe's Prequalification with Specific APR

Re: Does Synchrony Blacklist? Lowe's Prequalification with Specific APR

Does Synchrony Blacklist? Lowe's Prequalification with Specific APR

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Does Synchrony Blacklist? Lowe's Prequalification with Specific APR

Re: Does Synchrony Blacklist? Lowe's Prequalification with Specific APR

Re: Does Synchrony Blacklist? Lowe's Prequalification with Specific APR

Re: Does Synchrony Blacklist? Lowe's Prequalification with Specific APR

Re: Does Synchrony Blacklist? Lowe's Prequalification with Specific APR

Re: Does Synchrony Blacklist? Lowe's Prequalification with Specific APR

Re: Does Synchrony Blacklist? Lowe's Prequalification with Specific APR

Re: Does Synchrony Blacklist? Lowe's Prequalification with Specific APR

Re: Does Synchrony Blacklist? Lowe's Prequalification with Specific APR

Re: Does Synchrony Blacklist? Lowe's Prequalification with Specific APR

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