Synchrony Bank and Comenity Bank

[Anonymous]

I'm confused. Maybe WalMart isn't as strict with their expectations, but how is it that you can apply for cards that are backed by the same bank and only get approved for certain ones. I have a WalMart card but got denied for Old Navy and TJMaxx with a TU score of 605. I have gotten the same results from Comenity Bank and I have 2 of their cards and all are in good standing without a balance. How do they pick and chose where you get credit at and would they allow you to switch cards out for others??? That may be a crazy question but I have read others switch cards out for others but it wasn't store cards.

[schsa210]

Excellent question.  With Comenity, I have a few cards, hit the luv button on them all, one I got a few increases, others, received messages stating i haven't had the card long enough, other card stated due to my credit report.  So I found that kinda odd also.  You would think that would have access to view all cards you have with Comenity, but I guess not. 

As far as Synchrony goes, I was always denied increases on my WalMart card when done online, but first time speaking with a rep over the phone, within a few minutes, I was given the limit I requested, originally thinking they would counter with a lower limit.  Will call again in about 5 months to request a larger limit.

[Anonymous]

Well I haven't had them long enough I don't think to ask for CLI. I have read that some have as soon as they get approved. I'm going to uses them and pay off a few times then ask. Lol.

[schsa210]

Good idea and keep us posted.

[Anonymous]

That, my friend, is an excellent/valid point.

I recently was checking out at Sam's Club. This woman walking around with a clipboard said I could save $50 off $100 by applying for their Sam's Club Mastercard. Paired with my plus membership I'd also get an extra 1% back. 

So after applying, I get denied the mastercard, but was offered the Sam's Club Private Label cc with a CL of $1,200. What was I going to do? Let them HP me and walk away? I just said fine even though I will probably NEVER use it. It is accepted at walmart. Yet when I tried using it online, NO DICE!

[Anonymous]

Exactly!!!! I have the WalMart store card can be used at Sams but can't be used online at Sams. That is the craziest thing ever! They almost got me to sign up for a card at Sams but I declined because I have the WalMart already and can be used at both stores what would be the point if I only get approved for the Sams private label.

[Anonymous]

I sure will. Maybe in a few months I will get a CLI from VS and Lane Bryant.

[Anonymous]

Try a 76 personal card or chevron. Owning those put me in great with synchony. also, denial of a gas card would not make me mad like a store card I actually wanted to shop at.

[Anonymous]

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@Anonymous wrote:
Try a 76 personal card or chevron. Owning those put me in great with synchony. also, denial of a gas card would not make me mad like a store card I actually wanted to shop at.

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I applied for the Chevron/Texaco card a day or so ago and got the message that I will receive a response via email so I take that as a denied. I guess I will just stick with Walmart with them since Synchony doesn't seem to want to give me anything else right now.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
Try a 76 personal card or chevron. Owning those put me in great with synchony. also, denial of a gas card would not make me mad like a store card I actually wanted to shop at.

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I applied for the Chevron/Texaco card a day or so ago and got the message that I will receive a response via email so I take that as a denied. I guess I will just stick with Walmart with them since Synchony doesn't seem to want to give me anything else right now.

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@Anonymous wrote:

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@Anonymous wrote:
Try a 76 personal card or chevron. Owning those put me in great with synchony. also, denial of a gas card would not make me mad like a store card I actually wanted to shop at.

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I applied for the Chevron/Texaco card a day or so ago and got the message that I will receive a response via email so I take that as a denied. I guess I will just stick with Walmart with them since Synchony doesn't seem to want to give me anything else right now.

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On a positive note, they do SP CLI. Let your accounts age and then app again. Good luck!!!