Paypal Cashback MC denial. Recon?

[mrinal]

My wife has just been denied the Paypal cashback Master card. We don't understand why. Is there any way to get it reconsidered?

Fico Score: 766

Inquiry: 1

Utilization: 20%

Income: 80k

[coldfusion]

Over the last several years I've seen I think 1, maybe 2 posts where someone said they were able to get a Synchrony card denial (the PayPal Cashback MC is issued and underwritten by Synchrony) overturned by essentially following up by being respectfully yet persistently vocal with their Executive Office.   That type of approach is really the only way to try to possibly make it happen as Synchrony's approval process is entirely automated and they don't have a true reconsideration capability like for example Chase/AMEX/BarclayUS where it's a straightforward process to have an analyst manually review the application and override the denial.

[bigseegar]

Yeah a recon would be a pretty hard sale with SYNC. Side note, last month I received a Preapproved Offer in the mail from them for this very card but didn't act on it as I'm in the Garden plus I already have several high limit SYNC cards and I don't want to awake that sleeping bear they can be.

[Bill77]

And the denial was not related to identity verification?  That profile should have been approved based on other data points I've seen.

[mrinal]

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@Bill77 wrote:

And the denial was not related to identity verification?  That profile should have been approved based on other data points I've seen.

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I am not sure what the reason is. I need to wait for their denial letter.

[FireMedic1]

Might be a sign of the record jump in credit card debt. Sync has what 150 store cards per say?  And they've tightened up the purse strings. CLI's may be harder to get soon too.

[mrinal]

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@Bill77 wrote:

And the denial was not related to identity verification?  That profile should have been approved based on other data points I've seen.

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I just received the denial letter. It says, "Number of authorized user tradelines". Actually my wife is an authorized user of 6 of my cards.

[mrinal]

Hi,

My wife is an authorized user on 6 of my credit cards. Recently she applied for Paypal cashback mastercard and was denied because of too many authorized user tradelines.

To be on the safe side how many cards someone can have as an authorized user?

Thanks

[K-in-Boston]

I've not seen that denial reason come up before.  There's no limit, but it sounds like maybe they are inferring that she has a very high ratio of authorized user accounts in relation to her own primary accounts?

[mrinal]

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@K-in-Boston wrote:

I've not seen that denial reason come up before.  There's no limit, but it sounds like maybe they are inferring that she has a very high ratio of authorized user accounts in relation to her own primary accounts?

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Actually she has no primary account yet on her credit report. Is there any way for recon?