Marvel Credit Card Application

[Meanmchine]

To heck with the Marvel card.  Synchrony should come out with a Walking Dead Visa.  Id bolt out of the garden so fast ............

[LShan82]

hi guys, is it still the general rule that TU should be at 680 for this card?  TIA

[CreditGuy03]

I have learned some things about Sync B

1. They suck

2. They will close your accounts for returned payments

3. You need a 680 to have a fighting change. Some say preferably 710 for this card

4. They don't do recons

5. If you run a monthly balance and then pay if off suddenly they will cut your limit

6. If you are at a low limit for too long. They will just close your account for laughs and giggles and you wont know until you run your card in public and it is declined

7. They suck

[AverageJoesCredit]

Any bank can close your account for returned payments. I've had no issues paying down my limit as soon as it post. It is true Sync doesnt fo recons. If you dont use your card for a long time, yes they can balance chase or close account. Are there issues you having with your credit profile that is making Synchrony reduce their risk?. Not many banks out there will give increases in credit like Synchrony if you take care of your credit. They have their issues but again so do all banks.

[Anonymous]

Agreed with AJC. Also, I've been previously wanting the Marvel MC for this summer, but I've recently had to reassess since my TU FICO is stubbornly hovering in the mid-660's (with a brief blip upward in the 670's) for close to a year now while EX and EQ are both comfortably in the 680-690 range. From what I read, the Paypal 2% MC is easier to get and gives straight 2% across the board; my main concern is whether that old (closed) Bill Me Later account, since Synchrony just took over Paypal Credit, will hurt my app once I make it.

[outofcredit]

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@Anonymous wrote:

Agreed with AJC. Also, I've been previously wanting the Marvel MC for this summer, but I've recently had to reassess since my TU FICO is stubbornly hovering in the mid-660's (with a brief blip upward in the 670's) for close to a year now while EX and EQ are both comfortably in the 680-690 range. From what I read, the Paypal 2% MC is easier to get and gives straight 2% across the board; my main concern is whether that old (closed) Bill Me Later account, since Synchrony just took over Paypal Credit, will hurt my app once I make it.

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My understanding is that the Bill Me Later accounts (now just plain Paypal Credit) were backed by Comenity Bank.  The 2% Mastercard has always been backed by Synchrony. I would think apping for the 2% Mastercard before the Synchrony's acquistion of the regular Paypal Credit accounts would not result in a denial based on the prior relationship with Comenity Bank.  They allow both accounts to be linked to a Paypal account just like they allow multiple checking accounts to be linked to a Paypal account. My thinking is you may be able to app the 2% MC before Synchrony takes over Paypal Credit officially (July 2, 2018) and not have the old Bill Me Later account prohibit approval. Maybe someone more knowledgeable can advise.

[Anonymous]

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@outofcredit wrote:

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@Anonymous wrote:

Agreed with AJC. Also, I've been previously wanting the Marvel MC for this summer, but I've recently had to reassess since my TU FICO is stubbornly hovering in the mid-660's (with a brief blip upward in the 670's) for close to a year now while EX and EQ are both comfortably in the 680-690 range. From what I read, the Paypal 2% MC is easier to get and gives straight 2% across the board; my main concern is whether that old (closed) Bill Me Later account, since Synchrony just took over Paypal Credit, will hurt my app once I make it.

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My understanding is that the Bill Me Later accounts (now just plain Paypal Credit) were backed by Comenity Bank.  The 2% Mastercard has always been backed by Synchrony. I would think apping for the 2% Mastercard before the Synchrony's acquistion of the regular Paypal Credit accounts would not result in a denial based on the prior relationship with Comenity Bank.  They allow both accounts to be linked to a Paypal account just like they allow multiple checking accounts to be linked to a Paypal account. My thinking is you may be able to app the 2% MC before Synchrony takes over Paypal Credit officially (July 2, 2018) and not have the old Bill Me Later account prohibit approval. Maybe someone more knowledgeable can advise.

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If that's so, then I'll have to do this real soon - it's already June 27th. I had been planning to wait until sometime in July or even later, but if you're right I'll need to screw my courage to the sticking-point and pull the trigger by this weekend. I know that over in Credit Card Approvals I did find a thread where at least one person reported being able to get a fairly decent SL on the Paypal 2% with a 2013 BK and scores lower than mine on all three CRA's, so.