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Questions about Elan and Synchrony app process

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MrDisco99
Valued Contributor

Questions about Elan and Synchrony app process

Happy new year!

 

This morning I did two apps.

 

I apped for the Elan MCP through Renasant Bank.  It looked like an approval.  The screen showed a bunch of details about limit and APR (which I don't remember) and asked if I wanted to accept the offer.  I clicked yes and eventually I just got to a screen that said thank you for banking with them or some such.  There's nothing in my email.  Should I expect a card and instructions to set up online access to come in the mail?  How long should that take?

 

I also apped for the Synchrony Verizon Visa through my Verizon login.  I filled out the app and hit submit, and the response was just that I'll receive a response in the mail in the next 7-10 days.  Is this a denial?  When I try to access the application now it tells me my account is not eligible.  If it is a denial, I'd like to try recon if that's an option, before the bonus offer expires on 1/4.

 

It's entirely possible these answers were in the fine print, but I was pretty blitzed when I did this.  Yes I'm the weirdo who dips out of a NYE celebration to go app for credit cards.

Message 1 of 11
10 REPLIES 10
M_Smart007
Legendary Contributor

Re: Questions about Elan and Synchrony app process

Sorry , cannot answer your Elan questionsSmiley Sad

 

Synchrony is not known for recons.

The 7-10 day letter could just be ID verification?

I would call them and see "IF" that is what they need?  .. (I went through that for a Lowe's application)

 

Happy New Year!

Message 2 of 11
GApeachy
Super Contributor

Re: Questions about Elan and Synchrony app process

@MrDisco99  aka "Weirdo" Smiley Very Happy  hopefully it's id verification like Smartie pants mentioned....hit them up and GL!

Congrats on the Elan!  (fingers, toes, & eyes crossed for ya!)

 

btw: You're not alone in these parts buzz app'ing.  It happensSmiley Tongue

My Take Home Pay Don't Take Me Home
Message 3 of 11
MrDisco99
Valued Contributor

Re: Questions about Elan and Synchrony app process

Thanks!

 

How do I get in touch with Synchrony to ask about my app?

Message 4 of 11
GApeachy
Super Contributor

Re: Questions about Elan and Synchrony app process


@MrDisco99 wrote:

Thanks!

 

How do I get in touch with Synchrony to ask about my app?


You can try this number until you get a human:

"If you need technical support please contact: 866-647-9821.Your Verizon Visa® Card or Verizon Visa Signature® Credit Card is issued by Synchrony Bank. "

My Take Home Pay Don't Take Me Home
Message 5 of 11
ocheosa
Valued Contributor

Re: Questions about Elan and Synchrony app process


@MrDisco99 wrote:

Happy new year!

 

This morning I did two apps.

 

I apped for the Elan MCP through Renasant Bank.  It looked like an approval.  The screen showed a bunch of details about limit and APR (which I don't remember) and asked if I wanted to accept the offer.  I clicked yes and eventually I just got to a screen that said thank you for banking with them or some such.  There's nothing in my email.  Should I expect a card and instructions to set up online access to come in the mail?  How long should that take?

 

I also apped for the Synchrony Verizon Visa through my Verizon login.  I filled out the app and hit submit, and the response was just that I'll receive a response in the mail in the next 7-10 days.  Is this a denial?  When I try to access the application now it tells me my account is not eligible.  If it is a denial, I'd like to try recon if that's an option, before the bonus offer expires on 1/4.

 

It's entirely possible these answers were in the fine print, but I was pretty blitzed when I did this.  Yes I'm the weirdo who dips out of a NYE celebration to go app for credit cards.


@MrDisco99 re Elan, you should receive a congratulations email detailing next steps that includes the SL. I received it approx 24hrs later but given it's a holiday weekend it may take a bit longer. 

 

Happy Appying New Year!

[11/25] Scores 8/9: 7-800s. Util: ≤ 1%. AoOA: 18.4y, AoYA: 1y. New Acct: 0/12, 1/24. Inq/12: EQ 0, EX 0, TU 0.
TCL $706K: Personal $575K, Business $131K.
Message 6 of 11
ChargedUp
Senior Contributor

Re: Questions about Elan and Synchrony app process

The Elan app should be a done thing if it gave you a SL and APR, and you accepted it. It seems like a human signs off on the computer decision, then you start getting the final approval welcome notices. From what I remember it was 24 hours later when all that started showing up, but it'll likely be Monday for you.

 

I have no idea on Verizon. Synch is a different animal nowadays from when I dipped my toe into their pond.

Message 7 of 11
MrDisco99
Valued Contributor

Re: Questions about Elan and Synchrony app process

I just called the Synchrony verification number in the backdoor numbers thread and spoke to someone who was able to verify my identity and approve the application.

 

Thanks everyone!

Message 8 of 11
GApeachy
Super Contributor

Re: Questions about Elan and Synchrony app process

Hooray!  $15k!?!

My Take Home Pay Don't Take Me Home
Message 9 of 11
MrDisco99
Valued Contributor

Re: Questions about Elan and Synchrony app process


@GApeachy wrote:

Hooray!  $15k!?!


Yep... Didn't expect that.  I only plan to use it for my $160/month phone bill, but I'll gladly take the util padding.

Message 10 of 11
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