Is Synchrony always a SP cli?

[Anonymous]

Got an itch to hit the love button with Synchrony after having some luck with Wells Fargo.

I have three cards through Synchrony-
Rooms To Go
Synchrony Home
Mattress Firm

I’d really rather not have a HP for cards I won’t use, but figured I might see if Synchrony will give me some love.

[Brian_Earl_Spilner]

It's soft, but like every other SP CLI, there's always a chance of a HP. 

[AverageJoesCredit]

Please be careful though, huge difference between Synchrony Bank and Synchrony Financial. My experience has been anything from Sync Financial, ie my Pep Boys card, usually is hp. Most cards from Sync Bank should be sp though id imagine a hp is always possible.

[chiefone4u]

I've always had SP CLI's from requesting online from Synchrony.

Not sure how much LUV you'll get though, as I'm sure you are aware; all three of those cards are "Synchrony Home" now.

[calyx]

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@AverageJoesCredit wrote:
Please be careful though, huge difference between Synchrony Bank and Synchrony Financial. My experience has been anything from Sync Financial, ie my Pep Boys card, usually is hp. Most cards from Sync Bank should be sp though id imagine a hp is always possible.

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Odd - all of my CLIs (4) were SP and my card is SyncFinancial.

[Jnbmom]

All mine have been SPs, but of course anything is possible these days.

Also make sure your reports are unlocked/unfrozen, synch will not grant increase if your reports are locked.

[AverageJoesCredit]

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@calyx wrote:

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@AverageJoesCredit wrote:
Please be careful though, huge difference between Synchrony Bank and Synchrony Financial. My experience has been anything from Sync Financial, ie my Pep Boys card, usually is hp. Most cards from Sync Bank should be sp though id imagine a hp is always possible.

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Odd - all of my CLIs (4) were SP and my card is SyncFinancial.

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Lol, maybe its just my luck or maybe my card. That card was a beast to increase and always a hp. Even to this day, i cant get increase. Ymmv as always