Marvel mc 7-10 message with high fico score

[Anonymous]

I dedided to apply for the Marvel MC last night.  I've been eyeballing it since it came out but have been trying to resist because I really like chasing bonuses and such.  But I just really wanted this card.  

I applied and got the 7-10 message.   

My current TU08 is 830 which is what they pulled.

Current utilization 1%

7 months since last new credit 

5 inq.  Only 2 in the last six months.  (1 for a nfcu cli and one for a personal loan)

currently have a relationship with Synchrony.  (oldest account Sams Club MC 13.2 years)(total synch exposure 60k over 5 cards)

I tried calling a couple different numbers but was only told it was in process and I'd have to wait for the letter.   

Any suggestions or thoughts?

[AverageJoesCredit]

Maybe verification? I've had recent Sync experience where they say they couldnt verify my I fo even with my TU unlocked and multiple cards. Wait for letter.

[coldfusion]

I think Synchrony tends to cast a bit of a stinkeye toward applicants with high FICO scores that have never before held any CC in their stable, but that's not the case here.  Presuming you have a spotless payment history across all your Synchrony-issued cards I'm guessing it's due to your current total exposure with them.

[Anonymous]

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@AverageJoesCredit wrote:
Maybe verification? I've had recent Sync experience where they say they couldnt verify my I fo even with my TU unlocked and multiple cards. Wait for letter.

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I'm keeping my fingers crossed.  Hopefully that is all it is.  

[Anonymous]

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@coldfusion wrote:

I think Synchrony tends to cast a bit of a stinkeye toward applicants with high FICO scores that have never before held any CC in their stable, but that's not the case here.  Presuming you have a spotless payment history across all your Synchrony-issued cards I'm guessing it's due to your current total exposure with them.

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This is certainly possible but let's hope not.

[AverageJoesCredit]

I've seen before where someone with 800 ficos had trouble getting this card. Perhaps having ones credit sp good it offsets a certain parameter they put for the card. Just guessing but could be they target let's say individuals who are 690-730 in example. By no means is this a rule lol just a wild guess.

[Anonymous]

I'd been seriously considering the Marvel MC to round out my current portfolio, but my TU scores have been stubbornly hovering in the 660's to 670's for nearly a year now, so I didn't think I'd quite be able to match what they were looking for as far as scores go. Also, I was hesitant because of the exposure issue, as until yesterday I had $26K over three Sync accounts, the biggest being Care Credit. I ended up deciding on, and being approved for, the PayPal 2% Cashback MC instead because it's more favorable toward average-credit people and folks with baddies (I saw someone's post in Card Approvals about being approved with scores ranging from the 620's to the 660's, a LOT of inquiries, and a 2013 BK, and that's what flashed the green light for me) of the straight 2% across all purchases (I had had a yen for the Marvel MC's 3% on media purchases but outside that and restaurants, it was mostly 1%). From what AJC told me a few months back, there's a hard upper limit of $100K on Synchrony exposure, so if that turns out to be the issue, I wonder if you could offer to have your CL voluntarily decreased on whichever card you're not using much to make the money available for Marvel MC.

[Meanmchine]

OMG I was seriously thinking of apping right now for the Marvel MC.

My scores are close to yours

My Synchrony exposure is a little bit less then yours

Only diff is that I have 2 new accounts last month

No inqs on TU

Gonna wait now til you get your letter.  Keep us posted