Synchrony Bank hates me for no reason

[Anonymous]

Ok so I have apped for the Amazon store card a couple times over the past 4 months and keep getting instant denials. Here is a brief look at my CR:

1 Derrogatory Account- Charge Off $2122 Aug 2010- Currently making payments to get rid of it as DFAS said they will 100% PFD

Discover Secured- $200 100% PIF before statement cuts never late

BofA Secured- $300 100% PIF before statement cuts never late

Cap1 QS1- $500 100% PIF before statement cuts never late

Cap1 QS- $300 100% PIF before statement cuts never late

Eddie Bauer- $250- Never used

7 Student Loans $18K, still in school and no payments are due until 12/27/2020

AAoA 26 months

Oldest Account is 12 years - Cap1/Bestbuy 100% ontime payments never late, closed by me.

Why won't Synch budge and give me an Amazon card? I tried to Recon and the CSR was very rude and said Synch does not manually review Amazon applications and "politely" hung up in my face. I wasnt rude at all. I have spent close to $17k with Amazon in the past two years on my hobbies and am thinking to say to hell with Amazon and spend my money elsewhere.

My main issue is I have seen CR's from others that were 100% worse than mine who were approved.

My reported income is $55440

Any and all advice is welcome

[Skye12329]

Sync bank doesn't recon. Its not that sync hates you nor does amazon, also amazon isn't the lender. I would suggest quit applying. Each time you apply, your adding a new inquiry. Too many inquiries hurt your chances. What are the denial reasons? The derog account could be the big factor. Once thats removed you will have a better a chance.

[Anonymous]

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@Anonymous wrote:

Ok so I have apped for the Amazon store card a couple times over the past 4 months and keep getting instant denials. Here is a brief look at my CR:

1 Derrogatory Account- Charge Off $2122 Aug 2010- Currently making payments to get rid of it as DFAS said they will 100% PFD

Discover Secured- $200 100% PIF before statement cuts never late

BofA Secured- $300 100% PIF before statement cuts never late

Cap1 QS1- $500 100% PIF before statement cuts never late

Cap1 QS- $300 100% PIF before statement cuts never late

Eddie Bauer- $250- Never used

7 Student Loans $18K, still in school and no payments are due until 12/27/2020

AAoA 26 months

Oldest Account is 12 years - Cap1/Bestbuy 100% ontime payments never late, closed by me.

Why won't Synch budge and give me an Amazon card? I tried to Recon and the CSR was very rude and said Synch does not manually review Amazon applications and "politely" hung up in my face. I wasnt rude at all. I have spent close to $17k with Amazon in the past two years on my hobbies and am thinking to say to hell with Amazon and spend my money elsewhere.

My main issue is I have seen CR's from others that were 100% worse than mine who were approved.

My reported income is $55440

Any and all advice is welcome

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I have no idea why your being declined. My profile is less impressive than yours and have a $5000 limit on my Amazon...

[MyLoFICO]

Take some of that hobby money and pay off that bad debt. That will go a long way, especially if its PFD. Also, try and SP CLI those cards you have that are not secured. Those low limits don't help. 

[Anonymous]

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@Skye12329 wrote:
Sync bank doesn't recon. Its not that sync hates you nor does amazon, also amazon isn't the lender. I would suggest quit applying. Each time you apply, your adding a new inquiry. Too many inquiries hurt your chances. What are the denial reasons? The derog account could be the big factor. Once thats removed you will have a better a chance.

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I've stopped applying, and will not ever apply again for anything related to Synchrony. I guess my 1 charge off is worse than others who have BK and multiple accounts in collections and CO's.

The denial reasons are not clear. It keeps saying several 30/60/90 lates, which I have none showing on any report. 

[MyLoFICO]

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@Anonymous wrote:

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@Skye12329 wrote:
Sync bank doesn't recon. Its not that sync hates you nor does amazon, also amazon isn't the lender. I would suggest quit applying. Each time you apply, your adding a new inquiry. Too many inquiries hurt your chances. What are the denial reasons? The derog account could be the big factor. Once thats removed you will have a better a chance.

---

I've stopped applying, and will not ever apply again for anything related to Synchrony. I guess my 1 charge off is worse than others who have BK and multiple accounts in collections and CO's.

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Nope. My CO is for 1500 and its old. I have 8 sync accounts and the CLI's are stupid high. Did they not tell you why? You need to know why before you re-apply. Find out why and post it here. Sync is really easy to get in with, if they are denying you, its got to be an obvious good reason. 

[Anonymous]

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@MyLoFICO wrote:

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@Anonymous wrote:

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@Skye12329 wrote:
Sync bank doesn't recon. Its not that sync hates you nor does amazon, also amazon isn't the lender. I would suggest quit applying. Each time you apply, your adding a new inquiry. Too many inquiries hurt your chances. What are the denial reasons? The derog account could be the big factor. Once thats removed you will have a better a chance.

---

I've stopped applying, and will not ever apply again for anything related to Synchrony. I guess my 1 charge off is worse than others who have BK and multiple accounts in collections and CO's.

---

Nope. My CO is for 1500 and its old. I have 8 sync accounts and the CLI's are stupid high. Did they not tell you why? You need to know why before you re-apply. Find out why and post it here. Sync is really easy to get in with, if they are denying you, its got to be an obvious good reason. 

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My last denial letter stated late payment history. I have had ZERO late payments my entire life and nothing regarding late payments has been reported to any CB ever. I do have one charge off from DFAS and this was form overpayment after I got our of the Military. Thing about this is I never knew anything about the CO from 2010 until Jan 2016. because I havent lived in the US since 2006, Anyway its a PFD and I am going to have it gone by next month.

My hobbie is mountaineering and equipment is expensive. Lets just say I wont be needing to buy new equipment for a couple years.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Ok so I have apped for the Amazon store card a couple times over the past 4 months and keep getting instant denials. Here is a brief look at my CR:

1 Derrogatory Account- Charge Off $2122 Aug 2010- Currently making payments to get rid of it as DFAS said they will 100% PFD

Discover Secured- $200 100% PIF before statement cuts never late

BofA Secured- $300 100% PIF before statement cuts never late

Cap1 QS1- $500 100% PIF before statement cuts never late

Cap1 QS- $300 100% PIF before statement cuts never late

Eddie Bauer- $250- Never used

7 Student Loans $18K, still in school and no payments are due until 12/27/2020

AAoA 26 months

Oldest Account is 12 years - Cap1/Bestbuy 100% ontime payments never late, closed by me.

Why won't Synch budge and give me an Amazon card? I tried to Recon and the CSR was very rude and said Synch does not manually review Amazon applications and "politely" hung up in my face. I wasnt rude at all. I have spent close to $17k with Amazon in the past two years on my hobbies and am thinking to say to hell with Amazon and spend my money elsewhere.

My main issue is I have seen CR's from others that were 100% worse than mine who were approved.

My reported income is $55440

Any and all advice is welcome

---

I have no idea why your being declined. My profile is less impressive than yours and have a $5000 limit on my Amazon...

Its beyond me dude. If i knew a betetr reason than what they state then I wouldnt care, but its for many late payments on my CR which is funny because I have never been late for a payment nor are any late payments reported on my CR.

[MyLoFICO]

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@Anonymous wrote:

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@MyLoFICO wrote:

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@Anonymous wrote:

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@Skye12329 wrote:
Sync bank doesn't recon. Its not that sync hates you nor does amazon, also amazon isn't the lender. I would suggest quit applying. Each time you apply, your adding a new inquiry. Too many inquiries hurt your chances. What are the denial reasons? The derog account could be the big factor. Once thats removed you will have a better a chance.

---

I've stopped applying, and will not ever apply again for anything related to Synchrony. I guess my 1 charge off is worse than others who have BK and multiple accounts in collections and CO's.

---

Nope. My CO is for 1500 and its old. I have 8 sync accounts and the CLI's are stupid high. Did they not tell you why? You need to know why before you re-apply. Find out why and post it here. Sync is really easy to get in with, if they are denying you, its got to be an obvious good reason. 

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My last denial letter stated late payment history. I have had ZERO late payments my entire life and nothing regarding late payments has been reported to any CB ever. I do have one charge off from DFAS and this was form overpayment after I got our of the Military. Thing about this is I never knew anything about the CO from 2010 until Jan 2016. because I havent lived in the US since 2006, Anyway its a PFD and I am going to have it gone by next month.

My hobbie is mountaineering and equipment is expensive. Lets just say I wont be needing to buy new equipment for a couple years.

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When they say late they could be referring to that CO. I would get that gone and try again. I can't believe that they would deny based on that one CO though. 

On a more serious note, Thank you for your service. 

[Anonymous]

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@MyLoFICO wrote:

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@Anonymous wrote:

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@MyLoFICO wrote:

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@Anonymous wrote:

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@Skye12329 wrote:
Sync bank doesn't recon. Its not that sync hates you nor does amazon, also amazon isn't the lender. I would suggest quit applying. Each time you apply, your adding a new inquiry. Too many inquiries hurt your chances. What are the denial reasons? The derog account could be the big factor. Once thats removed you will have a better a chance.

---

I've stopped applying, and will not ever apply again for anything related to Synchrony. I guess my 1 charge off is worse than others who have BK and multiple accounts in collections and CO's.

---

Nope. My CO is for 1500 and its old. I have 8 sync accounts and the CLI's are stupid high. Did they not tell you why? You need to know why before you re-apply. Find out why and post it here. Sync is really easy to get in with, if they are denying you, its got to be an obvious good reason. 

---

My last denial letter stated late payment history. I have had ZERO late payments my entire life and nothing regarding late payments has been reported to any CB ever. I do have one charge off from DFAS and this was form overpayment after I got our of the Military. Thing about this is I never knew anything about the CO from 2010 until Jan 2016. because I havent lived in the US since 2006, Anyway its a PFD and I am going to have it gone by next month.

My hobbie is mountaineering and equipment is expensive. Lets just say I wont be needing to buy new equipment for a couple years.

---

When they say late they could be referring to that CO. I would get that gone and try again. I can't believe that they would deny based on that one CO though. 

On a more serious note, Thank you for your service. 

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Thank you. Once its removed and if I ever decide to reapply, I will post the results here.