Synchrony cracked the door for me

[12njoy]

@SouthJamaica unfortunately me and Comenity have always been at odds.  I have 3 cards which offer 5% but I have a BP gas station near me that typically at least .35 cents lower than other gas stations.  If it was with Synchrony, it would have seen heavy useage to help me grow the limit but it's with FNBO now

[SouthJamaica]

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@12njoy wrote:

@SouthJamaica unfortunately me and Comenity have always been at odds.  I have 3 cards which offer 5% but I have a BP gas station near me that typically at least .35 cents lower than other gas stations.  If it was with Synchrony, it would have seen heavy useage to help me grow the limit but it's with FNBO now

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Well Synchrony seems problematic in a couple of ways: (a) its unpredictable reporting of balances and (b) its unpredictable closure of accounts. I'm not saying Comenity is great either, though. I don't have much experience with it, but my impression is that it's a little more predictable. FNBO has been working out for me on the one card I have from them, but from what I'm reading they're no bargain either.

[12njoy]

@SouthJamaica 

I understand.  Comenity is a no go for me based on my profile.  FNBO has been very good to me since the days of my first $2,500 card with them.  They have great BT offers albeit they flood your email/mailbox lol.  I will think long and hard about Synchrony and will probably not do the Walgreens or At Home cards.  I want the PayPal Mastercard and if I can't snag that then it will wait.  It's not a must have but I like the card for the flexibility.  I have other cards paired with PayPal but I like having the real card paired.  I won't be jumping back in with Synchrony like I was for sure.  Maybe one or two cards at most, if and when the time comes.

[northway]

What credit monitoring service do you use that tracks Chex inquiries like that?

[M_Smart007]

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@northway wrote:

What credit monitoring service do you use that tracks Chex inquiries like that?

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@northway,

TransUnion's free site;

https://service.transunion.com/dss/dashboard.page

[northway]

@M_Smart007 

Are you positive it's the free monitoring site and not a paid TU product for Chexsystems inquiry monitoring? I have nothing like that available from TU for free from what I can seeor from TrueIdentity. Definitely seems like a paid monitoring feature.

[M_Smart007]

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@northway wrote:

@M_Smart007 

Are you positive it's the free monitoring site and not a paid TU product for Chexsystems inquiry monitoring? I have nothing like that available from TU for free from what I can seeor from TrueIdentity. Definitely seems like a paid monitoring feature.

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@northway, It is a FREE site, I know at times I can be senile, delirious and have dementia ..but I am fairly certain about this one.

Definitely not the paid site ..as I have that too, and it does not show ChexSystems.

(Click image to enlarge)(Click image to enlarge)

[northway]

@M_Smart007 Strange, I don't have that section visible in my report, which is why I asked. Oh well.

[M_Smart007]

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@northway wrote:

@M_Smart007 Strange, I don't have that section visible in my report, which is why I asked. Oh well.

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@northway, No worries ...It  only showed up (Under AR SP) after I applied for a PayPal Business Credit Card.

Third Party Supplemental Information

In addition to the information maintained in the above credit report, TransUnion will occasionally contact a third party for supplemental information in connection with a particular transaction in response to a request from a particular customer. Listed below is the supplemental data that TransUnion obtained from such third parties, as well as the name(s) of the TransUnion customer for whom it was obtained.

PAYPAL via SYNCBPAYPAL	08/25/2022
Location PO BOX 965015 ORLANDO, FL 32896

So it would make sense, as to why you are not seeing it on your FREE TU report.

[12njoy]

Maybe a few more months and I can crack the 10k with Walgreens and apply