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Sync car care CLI

micvite
Frequent Contributor

Sync car care CLI

Can someone enlighten me as to what's going on here? What score do they use? Even my vantage score isn't that low... it's at 695. I have 1% util, my student loans are 6k total out of which 2k are paid off, my 1 30 day late is from 2018. I'm pretty sure these are just bs reasons, but why are they claiming my score is low? Only thing that is different is my 2 charge cards reporting a balance of around 13k between the two of them but that hasn't affected my scores at all (I just pulled the scores now and the balanced were reported on the 26th of December)

 

Edit: I think I answered my question doesn't sync use sagestream or some weird score? I guess they care about my charge cards lol

Screenshot_20220109-075203_Drive.jpg

 

Screenshot_20220109-075215_Drive.jpg

 

Screenshot_20220109-075650_Samsung Internet.jpg

 

Ex: 742, TU: 726, EQ: 733 03/31/2021
Discover it cashback: $7400
Citi DC: $13000
WF Propel: $2000
Amex BCED: $3000
Amex Gold: $NPSL
Amex Plat: NPSL
Cap1 QS: $3200
Cap1 VX $30k
VS CC: $2100
Kohls: $3000
Synchrony car care: $5000
9 REPLIES 9
mark3038
Established Contributor

Re: Sync car care CLI

I am sorry about your denial.

With Synchrony and a CLI they do not want to see any recent lates. Your 2018 late is enough for them to do this. If you applied for a NEW card instead it probably would have been approved. It is just how they are. I would wait until that late is at least 4 years old and even then this could happen. As I said, a new credit card with them would be a better option for you.

 

The UW has a list to choose from, they just pick reasons from that list. They dont have to actually apply to you LOL they just need to pick anything.

 

Also beware of "poking the bear" it is a term used for Synchrony. Too many CLI requests and they may close all of your accounts. There are many long threads about this being a common practice with them.

Thanks

Mark

 

Please note; My postings are my opinion only. You can accept them or reject them. Thanks, Mark
Message 2 of 10
micvite
Frequent Contributor

Re: Sync car care CLI


@mark3038 wrote:

I am sorry about your denial.

With Synchrony and a CLI they do not want to see any recent lates. Your 2018 late is enough for them to do this. If you applied for a NEW card instead it probably would have been approved. It is just how they are. I would wait until that late is at least 4 years old and even then this could happen. As I said, a new credit card with them would be a better option for you.

 

The UW has a list to choose from, they just pick reasons from that list. They dont have to actually apply to you LOL they just need to pick anything.

 

Also beware of "poking the bear" it is a term used for Synchrony. Too many CLI requests and they may close all of your accounts. There are many long threads about this being a common practice with them.

Thanks

Mark

 


It's just funny that I got 2 clis from them last year... when the late was more recent🤣🤣 and if they close it so be it, it's my only account with them and it's pretty useless to me in this day and age. Doesn't earn rewards and I do all the car fixing at the mechanic shop I now own lol. 

Ex: 742, TU: 726, EQ: 733 03/31/2021
Discover it cashback: $7400
Citi DC: $13000
WF Propel: $2000
Amex BCED: $3000
Amex Gold: $NPSL
Amex Plat: NPSL
Cap1 QS: $3200
Cap1 VX $30k
VS CC: $2100
Kohls: $3000
Synchrony car care: $5000
Message 3 of 10
Okiejr
New Visitor

Re: Sync car care CLI

They use vantage score 4.0

Message 4 of 10
Lou-natic
New Contributor

Re: Sync car care CLI

Yes they use Vantage score 4.0. Do you have other Synchrony cards and have you bought and made payments on anything since your last CLI request?

Current Cards


Goal Card

2022 goals: Garden and close VentureOne account.
1/8/22
Message 5 of 10
micvite
Frequent Contributor

Re: Sync car care CLI


@Lou-natic wrote:

Yes they use Vantage score 4.0. Do you have other Synchrony cards and have you bought and made payments on anything since your last CLI request?


Nope it's my only sync card, if they use vantage that explains why the score is so low, my charge cards reporting tanked my CK scores lol

Ex: 742, TU: 726, EQ: 733 03/31/2021
Discover it cashback: $7400
Citi DC: $13000
WF Propel: $2000
Amex BCED: $3000
Amex Gold: $NPSL
Amex Plat: NPSL
Cap1 QS: $3200
Cap1 VX $30k
VS CC: $2100
Kohls: $3000
Synchrony car care: $5000
Message 6 of 10
Lou-natic
New Contributor

Re: Sync car care CLI

I see, I think at this point you'd be better off closing it anyway to be honest. It served your purpose so time to move on.

Current Cards


Goal Card

2022 goals: Garden and close VentureOne account.
1/8/22
Message 7 of 10
SUPERSQUID
Established Contributor

Re: Sync car care CLI


@mark3038 wrote:

I am sorry about your denial.

With Synchrony and a CLI they do not want to see any recent lates. Your 2018 late is enough for them to do this. If you applied for a NEW card instead it probably would have been approved. It is just how they are. I would wait until that late is at least 4 years old and even then this could happen. As I said, a new credit card with them would be a better option for you.

 

The UW has a list to choose from, they just pick reasons from that list. They dont have to actually apply to you LOL they just need to pick anything.

 

Also beware of "poking the bear" it is a term used for Synchrony. Too many CLI requests and they may close all of your accounts. There are many long threads about this being a common practice with them.

Thanks

Mark

 


3X0Z4XX.gif

{ BK7 DC 12/2019 } target 700/ kohls 1500/ discover 3k /mercury 3350 /ollo 600 /mission lane 1050/ ikea 750/ firestone 2800 /legacy 2000 /first savings bank cc 2000/ cap1 QS 2k/ cap 1 savor one 3100 /comenity rewards mc 1k, Penfed PCR signature visa 7.5k, NFCU >signature visa cash rewards 9700

>/ nfcu platinum 1k, BABY NEEDS NEW SHOES !!!!!
Message 8 of 10
micvite
Frequent Contributor

Re: Sync car care CLI


@SUPERSQUID wrote:

@mark3038 wrote:

I am sorry about your denial.

With Synchrony and a CLI they do not want to see any recent lates. Your 2018 late is enough for them to do this. If you applied for a NEW card instead it probably would have been approved. It is just how they are. I would wait until that late is at least 4 years old and even then this could happen. As I said, a new credit card with them would be a better option for you.

 

The UW has a list to choose from, they just pick reasons from that list. They dont have to actually apply to you LOL they just need to pick anything.

 

Also beware of "poking the bear" it is a term used for Synchrony. Too many CLI requests and they may close all of your accounts. There are many long threads about this being a common practice with them.

Thanks

Mark

 


3X0Z4XX.gif


Well, turns out they didn't like the fact that I put 0 spend on it in the last 6 months lol. put 100$ through the card paid it off and asked for $7500, they told me they could only approve 5k so I'll take what I can get. Not sure if having higher limits really helps anything but hey might as well keep it around for as long as they'll let me and I guess I'll just put some random gas on it from time to time. (sadly no rewards since I applied for the reg car care and not the gas version, is there any way to switch?)

Ex: 742, TU: 726, EQ: 733 03/31/2021
Discover it cashback: $7400
Citi DC: $13000
WF Propel: $2000
Amex BCED: $3000
Amex Gold: $NPSL
Amex Plat: NPSL
Cap1 QS: $3200
Cap1 VX $30k
VS CC: $2100
Kohls: $3000
Synchrony car care: $5000
Message 9 of 10
FinStar
Moderator

Re: Sync car care CLI


@micvite wrote:

Well, turns out they didn't like the fact that I put 0 spend on it in the last 6 months lol. put 100$ through the card paid it off and asked for $7500, they told me they could only approve 5k so I'll take what I can get. Not sure if having higher limits really helps anything but hey might as well keep it around for as long as they'll let me and I guess I'll just put some random gas on it from time to time. (sadly no rewards since I applied for the reg car care and not the gas version, is there any way to switch?)


Unfortunately, SYNCB doesn't PC between products.

Message 10 of 10
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