Synchrony Bank question

[pete19103]

   I received an offer in the mail for the Synchrony Premier World Mastercard with 2% cash back on all purchases and $100 SUB for $1k spend in first 90 days and even though this isn’t the greatest SUB, I am tempted as I am running out of SUB offers to apply for.   Is Symphony new account sensitive?  I am currently 4/12 and 2/3 on new accounts.  

[SouthJamaica]

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@pete19103 wrote:

   I received an offer in the mail for the Synchrony Premier World Mastercard with 2% cash back on all purchases and $100 SUB for $1k spend in first 90 days and even though this isn’t the greatest SUB, I am tempted as I am running out of SUB offers to apply for.   Is Symphony new account sensitive?  I am currently 4/12 and 2/3 on new accounts.  

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1. No it's not new account sensitive.

2. A $100 SUB is nothing special.

3. 2 problems with Synchrony are (a) it is known to report balances unpredictably,

mid-cycle, and (b) it is known to close accounts where people have large unused limits.

Since this is your first Synchrony card, (b) shouldn't be a problem. But if you like to

micromanage reported balances, (a) could be a problem.

[M_Smart007]

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@pete19103 wrote:

   "Is Symphony new account sensitive?"

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Typically not, unless you open 8 or more with them,

and constantly hit the "credit limit increase button" ,

add more new accounts from other lenders + have escalating debt.

I know that "Symphony" was a typo, but I could not help thinking?!?!?!

Is that what plays over the back office?? ..when they shut all accounts down in one fell swoop!🎻🎻🎻

[FireMedic1]

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@M_Smart007 wrote:

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@pete19103 wrote:

   "Is Symphony new account sensitive?"

---

Typically not, unless you open 8 or more with them,

and constantly hit the "credit limit increase button" ,

add more new accounts from other lenders + have escalating debt.

I know that "Symphony" was a typo, but I could not help thinking?!?!?!

Is that what plays over the back office?? ..when they shut all accounts down in one fell swoop!🎻🎻🎻

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Somebody has to pay the orchestra!

[pete19103]

I would think they would be playing Another One Bites the Dust lol

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@M_Smart007 wrote:

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@pete19103 wrote:

   "Is Symphony new account sensitive?"

---

Typically not, unless you open 8 or more with them,

and constantly hit the "credit limit increase button" ,

add more new accounts from other lenders + have escalating debt.

I know that "Symphony" was a typo, but I could not help thinking?!?!?!

Is that what plays over the back office?? ..when they shut all accounts down in one fell swoop!🎻🎻🎻

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[Meanmchine]

Many years ago ( many ) I did a 9 card Synchrony app spree over a 2 day period.  Got approved for 6 of them.  2 month later did a 5 card Synchrony app spree adding 3 more cards.  TU was 672 at the time.  I realize that this was many many years ago but they didnt have a problem back then. I still have 5 of those cards still open.

[Shooting-For-800]

I have been happy with the card.

[Libra85]

I received the same mailer yesterday. 

[pete19103]

I apprecate all the feedback and responses.  I decided to apply and got an instant approval for $10K; it looks like they only pulled TransUnion (I am in New York)

[fury1995]

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@M_Smart007 wrote:

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I know that "Symphony"was a typo, but I could not help thinking?!?!?!

Is that what plays over the back office?? ..when they shut all accounts down in one fell swoop!🎻🎻🎻

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I can hear it.. Beethoven's Symphony No 5 in C Minor playing in the background as people are dramatically hammering away on their keyboards.