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FNBO and Synchrony (Visa/Mastercard) Thresholds

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Anonymous
Not applicable

FNBO and Synchrony (Visa/Mastercard) Thresholds

So I am trying to gather some data points on FNBO and Synchrony (Visa/Mastercards) score and INQ/New accounts thresholds. What is the general consensus on FNBO and Synchrony Visa/Mastercard approval as far as credit score, number of recent INQ and accounts. I am in the garden however when I come out of the garden I would like to try for at least one FNBO card and a couple Synchrony Visa/Mastercards.

 

Xace

Message 1 of 14
13 REPLIES 13
I-think-I-can
Valued Contributor

Re: FNBO and Synchrony (Visa/Mastercard) Thresholds

Hi there!  I was approved for an FNBO Sheetz Visa card in Feb 2015. I had maybe 3 inquiries within the previous 6 months on EX at the time, a score of 679, and about 8-9 newly opened accounts from November. 

 

I was approved for an Ebates Visa from Synchrony in May of 2015. With 5 or so inquiries within the last 6 months on TU, a score of 697, and 6 or so new accounts within the previous 6 months.  

 

Hoping this will be helpful for you!

Starting Scores 2/13/15: EQ 635 EX 674 TU 684 ////7/16/15 Scores: EQ 661 EX 669 TU 703 //// 2/15/16 Scores EQ 652 EX 647 TU 756 //// 3/24/16 Scores: EQ 661 EX 649 TU 773 //// EQ 670 EX 653 TU 768 (EQ And EX still tainted)
Goal Scores: 760 across the board
Message 2 of 14
Loquat
Moderator Emeritus

Re: FNBO and Synchrony (Visa/Mastercard) Thresholds

I'm holding out for the Sam's Club MasterCard and I haven't really seen anyone around the forum mentioning an approval for that card with scoress less than 725.  It may be different between Synch products.  I don't want to run the risk of getting the store card so I'm holding out until TU is at least 725.  

Message 3 of 14
Anonymous
Not applicable

Re: FNBO and Synchrony (Visa/Mastercard) Thresholds


@Loquat wrote:

I'm holding out for the Sam's Club MasterCard and I haven't really seen anyone around the forum mentioning an approval for that card with scoress less than 725.  It may be different between Synch products.  I don't want to run the risk of getting the store card so I'm holding out until TU is at least 725.  


Yeah 700-720 seems to be the threshold for Synchrony Visa/Mastercards

Message 4 of 14
pizza1
Community Leader
Super Contributor

Re: FNBO and Synchrony (Visa/Mastercard) Thresholds


@Loquat wrote:

I'm holding out for the Sam's Club MasterCard and I haven't really seen anyone around the forum mentioning an approval for that card with scoress less than 725.  It may be different between Synch products.  I don't want to run the risk of getting the store card so I'm holding out until TU is at least 725.  


Um, then you missed my approval .  714 TU, instant online, limit is now $12k, had 70 iNQ Smiley Wink

Message 5 of 14
someg33k
Established Contributor

Re: FNBO and Synchrony (Visa/Mastercard) Thresholds


@pizza1 wrote:

@Loquat wrote:

I'm holding out for the Sam's Club MasterCard and I haven't really seen anyone around the forum mentioning an approval for that card with scoress less than 725.  It may be different between Synch products.  I don't want to run the risk of getting the store card so I'm holding out until TU is at least 725.  


Um, then you missed my approval .  714 TU, instant online, limit is now $12k, had 70 iNQ Smiley Wink


Holy moly is that for real 70 Inq?   Guess its safe to say Sync is not Inq sensitive Smiley Happy

Message 6 of 14
CountryLivin
Valued Contributor

Re: FNBO and Synchrony (Visa/Mastercard) Thresholds

I got the FNBO Overstock Mastercard, with a CL of $1200. My credit score was in the 630's and I had 24 or 25 inquiries.

Message 7 of 14
UncleB
Credit Mentor

Re: FNBO and Synchrony (Visa/Mastercard) Thresholds


@pizza1 wrote:

@Loquat wrote:

I'm holding out for the Sam's Club MasterCard and I haven't really seen anyone around the forum mentioning an approval for that card with scoress less than 725.  It may be different between Synch products.  I don't want to run the risk of getting the store card so I'm holding out until TU is at least 725.  


Um, then you missed my approval .  714 TU, instant online, limit is now $12k, had 70 iNQ Smiley Wink


+1

 

The only Synchrony MC/V I have experience with is the Sam's Club MasterCard, and I was approved with a TU hovering just below 710, so it is definitely possible to "squeak by" with a score under 725. 

 

While I think I recall seeing an approval for someone barely below 700, I probably would hold off until I was at least at 700 (preferrably 710 or higher) to have the best chances.  My approval was for an initial credit line of $1500, so that might be an indicator that I was borderline.  (The credit line has since grown nicely).

 

As a data point, my two oldest accounts are Synchrony (Lowe's and Belk) and are 12 and 10 years old, respectively, so that might have helped a bit.  At the time I had one inquiry on TU.

 

Hope this helps.  Smiley Wink

 

 

 

Edit:  Fixed typo

Message 8 of 14
I-think-I-can
Valued Contributor

Re: FNBO and Synchrony (Visa/Mastercard) Thresholds


@UncleB wrote:

@pizza1 wrote:

@Loquat wrote:

I'm holding out for the Sam's Club MasterCard and I haven't really seen anyone around the forum mentioning an approval for that card with scoress less than 725.  It may be different between Synch products.  I don't want to run the risk of getting the store card so I'm holding out until TU is at least 725.  


Um, then you missed my approval .  714 TU, instant online, limit is now $12k, had 70 iNQ Smiley Wink


+1

 

The only Synchrony MC/V I have experience with is the Sam's Club MasterCard, and I was approved with a TU hovering just below 710, so it is definitely possible to "squeak by" with a score under 725. 

 

While I think I recall seeing an approval for someone barely below 700, I probably would hold off until I was at least at 700 (preferrably 710 or higher) to have the best chances.  My approval was for an initial credit line of $1500, so that might be an indicator that I was borderline.  (The credit line has since grown nicely).

 

As a data point, my two oldest accounts are Synchrony (Lowe's and Belk) and are 12 and 10 years old, respectively, so that might have helped a bit.  At the time I had one inquiry on TU.

 

Hope this helps.  Smiley Wink

 

 

 

Edit:  Fixed typo


I totally agree that over 700 is probably the best way to go.  I was approved for the Ebates with a 697 but with, from what I have seen on the forum, the lowest SL....leaving me to think I barely squeaked by.  The SAMS MC seems to be even "trickier"!   Though now that my TU is at 756, I must admit to being tempted Smiley Happy

Starting Scores 2/13/15: EQ 635 EX 674 TU 684 ////7/16/15 Scores: EQ 661 EX 669 TU 703 //// 2/15/16 Scores EQ 652 EX 647 TU 756 //// 3/24/16 Scores: EQ 661 EX 649 TU 773 //// EQ 670 EX 653 TU 768 (EQ And EX still tainted)
Goal Scores: 760 across the board
Message 9 of 14
Anonymous
Not applicable

Re: FNBO and Synchrony (Visa/Mastercard) Thresholds

@CountryLivin

 

How long did your approval for FNBO Overstock MC take? 

Did you get email or letter?

Did they contact you at all before approval?

 

They recvd my app on 7/14 and I know they take awhile...685 EX w/7  INQ (one in last 6 months)

Reading your response here has given me a bit of hope,  but not holding my breath.

 

 

TIA!

Message 10 of 14
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