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Synchrony Denied BH Payboo Credit Card For Vague, Unspecific and Wrong Reasons

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Re: Synchrony Denied BH Payboo Credit Card For Vague, Unspecific and Wrong Reasons


@ab3dj wrote:

@JourneyStartsNow wrote:
You access all 3 main credit reports from each respective CRA daily?


No need to be sarcastic. I access them all each year, as allowed by law.


Not being sarcastic, you said you access them frequently. Maybe something has changed recently? I'm trying to be helpful here. 

BK7 Discharged 4/15. Back to square 1.
Message 11 of 22
New Member

Re: Synchrony Denied BH Payboo Credit Card For Vague, Unspecific and Wrong Reasons


@JourneyStartsNow wrote:

@ab3dj wrote:

@JourneyStartsNow wrote:
You access all 3 main credit reports from each respective CRA daily?


No need to be sarcastic. I access them all each year, as allowed by law.


Not being sarcastic, you said you access them frequently. Maybe something has changed recently? I'm trying to be helpful here. 


You know the answer.

Message 12 of 22
New Member

Re: Synchrony Denied BH Payboo Credit Card For Vague, Unspecific and Wrong Reasons


@Jnbmom wrote:

Sorry for your troubles. I agree I would check both your reports with own eyes, sometimes reps are not correct.

 

I have several synch cards and have never had an issue with them.

 

 

 


Me niether before. Have Amazon Synchrony store card opened several years ago. No problem at that time.

Message 13 of 22
Community Leader
Mega Contributor

Re: Synchrony Denied BH Payboo Credit Card For Vague, Unspecific and Wrong Reasons

A quick reminder to all, please keep your posts FSR

 

Thank you 

 

 

@ab3dj  you asked a question, and a lot of guesses and suggestions are made based on previous experiences from other members and community in general. 

 

If you do not like this approach, perhaps waiting for AA letter is your best bet as mentioned upthread. 

EX 754 EQ 774 TU 752


Message 14 of 22
Community Leader
Valued Contributor

Re: Synchrony Denied BH Payboo Credit Card For Vague, Unspecific and Wrong Reasons


@Remedios wrote:

A quick reminder to all, please keep your posts FSR

 

Thank you 

 

 

@ab3dj  you asked a question, and a lot of guesses and suggestions are made based on previous experiences from other members and community in general. 

 

If you do not like this approach, perhaps waiting for AA letter is your best bet as mentioned upthread. 


+1

 

And posting the same questions on multiple post is against TOS, it gets very confusing with multiple replies on various posts.

Message 15 of 22
Frequent Contributor

Re: Synchrony Denied BH Payboo Credit Card For Vague, Unspecific and Wrong Reasons

Honestly, there are far more important things in life to get all ruffled up about. Denials make us mad sometimes,  but it’s a part of applying for credit.  People with 850 scores get denied sometimes. 

 

We APPLY for credit. We are asking the lenders to approve us. It’s their $$ and their decision to approve or not. We have no RIGHT to credit, by any means. 

 

There are good bad stories about all lenders. 

 

I’d just move on. It’s not like it’s the holy grail of cards anyhow. 

 

Take care. 

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Message 16 of 22
Established Contributor

Re: Synchrony Denied BH Payboo Credit Card For Vague, Unspecific and Wrong Reasons

I think the issue is that while Synchrony Bank was specific and quite valid the real problem is that you do not understand the issue at hand. You stated that you applied many times for "Joint Account" which means that both people on the account are responsible in full. Now look at it from Synchrony Bank's perspective where they have a application for a joint account instead of the regular main holder plus authorised user. When they go to pull the reports of both holders they are essentially identical except name and SSN. On top of that when they calculate the scores they are through the roof(800+) for both. Now if I was a bank that normally deals in the subprime market I would scratch my head on why that is the case. Usually husbands and wives do not mirror one another that much unless they are the same person. So Synchrony thinks one or the other is fake(invalid person). Considering that they want you to call from old POTS lines too instead of VoIP it is not that much of a stretch. Lastly Synchrony Bank has a lot of different parts so one part saying yes and another saying no later is normal. I went through 14 reps, 3 phone calls, and a letter just to add my watch for one card.

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Message 17 of 22
New Member

Re: Synchrony Denied BH Payboo Credit Card For Vague, Unspecific and Wrong Reasons


@CreditSweeper wrote:

Honestly, there are far more important things in life to get all ruffled up about. Denials make us mad sometimes,  but it’s a part of applying for credit.  People with 850 scores get denied sometimes. 

 

We APPLY for credit. We are asking the lenders to approve us. It’s their $$ and their decision to approve or not. We have no RIGHT to credit, by any means. 

 

There are good bad stories about all lenders. 

 

I’d just move on. It’s not like it’s the holy grail of cards anyhow. 

 

Take care. 


Thanks for your input.

 

Of cource I will move on and apply for credit. And I can live without this card and I do not care about it any more. Obiously, I do not see access to credit as a right. But how do I know what potential invalid indentiy is, if even Synchrony could not explain it to me? And what to do about it for my future credit applications?

Message 18 of 22
New Member

Re: Synchrony Denied BH Payboo Credit Card For Vague, Unspecific and Wrong Reasons


@zerofire wrote:

I think the issue is that while Synchrony Bank was specific and quite valid the real problem is that you do not understand the issue at hand. You stated that you applied many times for "Joint Account" which means that both people on the account are responsible in full. Now look at it from Synchrony Bank's perspective where they have a application for a joint account instead of the regular main holder plus authorised user. When they go to pull the reports of both holders they are essentially identical except name and SSN. On top of that when they calculate the scores they are through the roof(800+) for both. Now if I was a bank that normally deals in the subprime market I would scratch my head on why that is the case. Usually husbands and wives do not mirror one another that much unless they are the same person. So Synchrony thinks one or the other is fake(invalid person). Considering that they want you to call from old POTS lines too instead of VoIP it is not that much of a stretch. Lastly Synchrony Bank has a lot of different parts so one part saying yes and another saying no later is normal. I went through 14 reps, 3 phone calls, and a letter just to add my watch for one card.


Thank your for your post. I wish your explanation made sense to me. But who knows, anything is possible with them as you alluded to your experience. And thank you for mentioning the individual application. Maybe applying individually and then adding an authorized user can prevent this problem.

Message 19 of 22
Established Contributor

Re: Synchrony Denied BH Payboo Credit Card For Vague, Unspecific and Wrong Reasons


@ab3dj wrote:

@JourneyStartsNow wrote:
You access all 3 main credit reports from each respective CRA daily?


No need to be sarcastic. I access them all each year, as allowed by law.


I'm sorry but that is not frequent. (The CRA convinced the government that was frequent enough for a free report because they want to make money selling reports). I'll get off my soapbox now Smiley Wink

 

Regardless please take the advice given earlier in the thread and order a full copy of all three reports. You may be correct, there may be nothing there but why not make sure? Synchrony is not a fly by night operation. Many of the banks now use fintech software that has similar algorthyms at their core. They are looking for patterns of fraud before handing out cards.

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Message 20 of 22
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