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I applied online for JC PEnney last week. Just called Synchrony and was told 'A decision has been made but I can't give you any information. You will get a letter any day now. It will be in a plain white envelope so be careful and don't put it in a paper shredder.' WHAT DOES THAT MEAN???? Because I will shred the new card or the denial? I never heard of them not telling.