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Synchrony & Citi - Pre-Approval Spree

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Waldemar
New Contributor

Synchrony & Citi - Pre-Approval Spree

I'm so happy to finally be back with Synchrony, and I may be able to get back with Citi.

I burned Synchrony for about 1k (PayPal MC and LOC) in 2021, and I am back with a PayPal MC with a 10k limit and, most recently, the Amazon Prime Store Card 3.1k after 2+ years of being unable to get back.

I burned CitiBank on their Costco Visa and Double Cash card for about 5k total and could not even get pre-approved for their Home Depot card, which I used to have but closed at zero before filing in 2021. I read is hard to get back with Citi but I guess they are more leniant with their c-branded credit cards.

Yesterday, I went on a "pre-approval spree" and was pre-approved for the cards I could not get pre-approvals for before. I did not accept any offers; I just wanted to see where I stand today. I will consider them in the future as the need arises.

Home Depot - 500 (low but a good way to get back in with Citi)
Lowes - 5,000
RoomsToGo - 5,000
Walgreens - 3,000
JCPenney - 4,000
CareCredit - 5,000

Credit Cards

Ally Platinum MC: $4,300 | Amazon Prime Store Card: $3,100 | Apple Card MC: $2,750 | BCU Cash Rewards Visa Signature: $15,000 | BCU Travel Rewards Visa Signature: $10,000 | Bread Cashback Amex: $10,500 | Capital One Kohls Visa Signature: $3,300 | Capital One Quicksilver WEMC: $3,000 | Capital One SavorOne WEMC: $10,000 | Capital One VentureOne WEMC: $3,100 | Capital One Walmart Rewards MC: $1,250 | Express Credit Card: $3,150 | Famous Footwear Credit Card: $650 | FNBO Platinum Visa: $650 | Helzberg Diamonds Card: $3,000 | IKEA Projekt Credit Card: $6,100 | PayPal Cashback WMC: $10,000 | Suncoast Rewards Platinum Visa: $10,000 | Target RedCard: $1,200 | Toyota Rewards Credit Card: $8,000 | Toyota Rewards Visa Signature: $6,000 | Truist Enjoy Cash Visa Signature: $5,000 | US Bank Cash+ Secured Visa: $500 | US Bank Platinum Secured Visa: $500

Lines of Credit

BCU Unsecured LOC 5k | PenFed OD LOC 300

Auto Loan (Reaffirmed)

Navy Federal Auto 7,100 remaining out of 21k

Rebuilding since June 28 2021.
Message 1 of 9
8 REPLIES 8
CorpCrMgr1
Frequent Contributor

Re: Synchrony & Citi - Pre-Approval Spree

Congratulations!! Great spree!!!

Message 2 of 9
TekkenQQ7
Established Contributor

Re: Synchrony & Citi - Pre-Approval Spree

Congratulations!!



Message 3 of 9
Traveler101
Established Contributor

Re: Synchrony & Citi - Pre-Approval Spree

Guilty of the same pleasure. Always nice yo know where you stand.

Message 4 of 9
Jeffster1
Valued Contributor

Re: Synchrony & Citi - Pre-Approval Spree

Congrats!

FICO 8 (1/21/24) EX 805 EQ 720 TU 844
FICO 9 (2/17/24) EX 821 EQ 778 TU 850
CH 13 DC 1/5/21 -- I practice AZEO - NEVER above 1% utilization across all cards.

Current lineup as of 9/23
American Express Gold | American Express Blue Cash Everyday 6K | American Express Blue Cash Preferred 5K I American Express Marriott Bonvoy Bevy 5K I American Express Gold Delta Skymiles 6K I American Express Hilton Honors Surpass 1K | Bank of America Customized Cash Rewards Visa 15K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 4K | USBank Platinum Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One SavorOne MC 3K | Capital One Walmart MC 2K | NFCU Amex 15K | NFCU CashRewards Visa 15K I Citi Best Buy Visa 10K I Macy’s Amex 1.5K I Bread Financial American Express 8K l AAA Daily Advantage Visa Signature 6K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Chevron Techron Advantage Visa 2.5K I JCPenney Mastercard $6K I UCLA Wescom CU Rewards Visa 7K I Affinity Pure Rewards Visa 5K
Message 5 of 9
CubanCheapSkate
Valued Member

Re: Synchrony & Citi - Pre-Approval Spree

Nice pre-approval spree and thanks for the data points!

Message 6 of 9
youngandcreditwrthy
Senior Contributor

Re: Synchrony & Citi - Pre-Approval Spree

if you dont mind me asking, what are your scores like? just curious cause those are some good pre approvals. I never filed bk but i get so mad at myself for paying off 150k in cc debt and letting so many accounts close. For about 6 years i just didn't need credit and got so scared of racking up that much debt again.

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 7 of 9
Waldemar
New Contributor

Re: Synchrony & Citi - Pre-Approval Spree

Absolutely! My FICO scores hover around 715, and my Vantage scores are in the 730s range. I'm grateful for my progress since my Chapter 7 bankruptcy was discharged in June 2021. While I did burn a few bridges during my bankruptcy and had about 100k discharged, I'm now back on top. I don't carry balances and pay off my cards monthly. I certainly learned from my mistakes.

Credit Cards

Ally Platinum MC: $4,300 | Amazon Prime Store Card: $3,100 | Apple Card MC: $2,750 | BCU Cash Rewards Visa Signature: $15,000 | BCU Travel Rewards Visa Signature: $10,000 | Bread Cashback Amex: $10,500 | Capital One Kohls Visa Signature: $3,300 | Capital One Quicksilver WEMC: $3,000 | Capital One SavorOne WEMC: $10,000 | Capital One VentureOne WEMC: $3,100 | Capital One Walmart Rewards MC: $1,250 | Express Credit Card: $3,150 | Famous Footwear Credit Card: $650 | FNBO Platinum Visa: $650 | Helzberg Diamonds Card: $3,000 | IKEA Projekt Credit Card: $6,100 | PayPal Cashback WMC: $10,000 | Suncoast Rewards Platinum Visa: $10,000 | Target RedCard: $1,200 | Toyota Rewards Credit Card: $8,000 | Toyota Rewards Visa Signature: $6,000 | Truist Enjoy Cash Visa Signature: $5,000 | US Bank Cash+ Secured Visa: $500 | US Bank Platinum Secured Visa: $500

Lines of Credit

BCU Unsecured LOC 5k | PenFed OD LOC 300

Auto Loan (Reaffirmed)

Navy Federal Auto 7,100 remaining out of 21k

Rebuilding since June 28 2021.
Message 8 of 9
youngandcreditwrthy
Senior Contributor

Re: Synchrony & Citi - Pre-Approval Spree

I legit just did the same thing after removing my TU freeze hahaha. Was fun!!!!! surprised at the wide range. chevron only 400 and car care credit 2400.

 

credit solutions will increase most of those hahahaaaa for sync b.

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 9 of 9
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