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Synch Cards

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MortgageMinded
Frequent Contributor

Synch Cards

Hello,  I was wondering with Synch how many cards are too many.  I have 2 I signed up for recently, I am wondering if I am allowed to app for another or should I stroll through the garden for 4 or 5 months?


Starting Score: Jan 2014 EQ: 595 TU: 575 EX: 550
Current Score: Feb 2015 EQ: 615 TU: 650 EX: 643
Goal Score: Hoping to join the 700 Club this year!


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Message 1 of 7
6 REPLIES 6
gdale6
Moderator Emeritus

Re: Synch Cards


@MortgageMinded wrote:

Hello,  I was wondering with Synch how many cards are too many.  I have 2 I signed up for recently, I am wondering if I am allowed to app for another or should I stroll through the garden for 4 or 5 months?


There is no limit to the number of Synch cards as they are all co branded there is however an internal limit (max amount of $ across all cards) with Synchrony.

Message 2 of 7
MortgageMinded
Frequent Contributor

Re: Synch Cards

I guess I was wondering what that might be. I don't want to push it by going for one more.

Starting Score: Jan 2014 EQ: 595 TU: 575 EX: 550
Current Score: Feb 2015 EQ: 615 TU: 650 EX: 643
Goal Score: Hoping to join the 700 Club this year!


Take the myFICO Fitness Challenge
Message 3 of 7
gdale6
Moderator Emeritus

Re: Synch Cards


@MortgageMinded wrote:
I guess I was wondering what that might be. I don't want to push it by going for one more.

Im pretty sure its dependant on income and score, for Ron1 he has reported it at 100K, others as low as 25K with less than stellar scores.

Message 4 of 7
MortgageMinded
Frequent Contributor

Re: Synch Cards

Gotcha...reread your post! Makes perfect sense. I will hold off for a while and try to get my existing CL higher. Thanks Gdale... again!

Starting Score: Jan 2014 EQ: 595 TU: 575 EX: 550
Current Score: Feb 2015 EQ: 615 TU: 650 EX: 643
Goal Score: Hoping to join the 700 Club this year!


Take the myFICO Fitness Challenge
Message 5 of 7
DeadlyPersona
Frequent Contributor

Re: Synch Cards

I have 9 Synchrony Cards so far.....every card I have is a place that I shop on a regular basis.

Message 6 of 7
keithbward
Frequent Contributor

Re: Synch Cards

As stated, i've seen an internal limit of 100k individually. Not sure of card limit. Currently i have 18 with them and 70k and still have no issue with increases yet.

Starting Scores - EX 547 || EQ 541 || TU 538 - 01/21/2014
Current Scores - EX 691 || EQ 628??? || TU 695 - 08/04/2015
Goal Scores - 720 across the board
Current Utilization - 12% and going down
Message 7 of 7
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