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Synchrony forgiveness?

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Frequent Contributor

Re: Synchrony forgiveness?

I settled for ~50%.

 

I may try applying in September and see what happens. Right now I'm gardening so that I don't scare Chase with any new accounts on my report, and by September about 4 inquires fall off of each report, and my other new cards will have 3 or 4 months under their belt.

    Total CL: $21,100
Fico 8 Scores:
12/2018:
03/2019:
06/2019:
09/2019:
Goals:   550 by 12/2018 600 by 3/2019   650 by 6/2019   700 by 1/2020   750 by 1/2021 800+ by 1/2022
8 derog. (all settled 1/2019)     |     Inquiries: 10, 9, 6     |     AoOA: 10.0yr     |     AAoA: 5.2yr     |     AoYA: 0.4yr
Message 11 of 15
Super Contributor

Re: Synchrony forgiveness?

September seems reasonable.

 

I mean worst case scenario its a wasted inquiry.

 

If they don't want to approve you for the unsecured Amazon card, they could offer you the Amazon credit builder card that graduates so it shouldn't be a wasted inquiry actually if you're willing to take a secured card to build that trust back.



01/2019:
10/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 12 of 15
Frequent Contributor

Re: Synchrony forgiveness?


@Saeren wrote:

September seems reasonable.

 

I mean worst case scenario its a wasted inquiry.

 

If they don't want to approve you for the unsecured Amazon card, they could offer you the Amazon credit builder card that graduates so it shouldn't be a wasted inquiry actually if you're willing to take a secured card to build that trust back.


I would cry if they gave me a credit builder card Smiley Very Happy That's a good idea though, if I apply for the amazon card first then it'll be a good indicator of whether or not I stand any chance with other Sync cards. If they only give me a secured card, then that tells me I shouldn't waste inquiries trying to apply for other unsecured cards with them for a while.

 

    Total CL: $21,100
Fico 8 Scores:
12/2018:
03/2019:
06/2019:
09/2019:
Goals:   550 by 12/2018 600 by 3/2019   650 by 6/2019   700 by 1/2020   750 by 1/2021 800+ by 1/2022
8 derog. (all settled 1/2019)     |     Inquiries: 10, 9, 6     |     AoOA: 10.0yr     |     AAoA: 5.2yr     |     AoYA: 0.4yr
Message 13 of 15
Senior Contributor

Re: Synchrony forgiveness?

Synch is a known TU fan, pulling almost exclusively, and they’re very score-reliant. Your TU will get you in unless you really ticked them off somehow, and you should definitely recon an SL if it’s low - you should have enough score to get at least a couple grand IMO.


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 14 of 15
Regular Contributor

Re: Synchrony forgiveness?

Synchrony seems very liberal with SL's, so since it's paid off I'm sure you'd be fine. That being said, I regret opening my CareCredit card, it screwed up my CBIC's harcore!

FICO 8
Eq - 673
Ex - 663
Tr - 685

Capital One Quicksilver - $1950 || Care Credit - $9600 || Costco Citi - $5500 || Redstone FCU Secured - $350 || Chase FU - $2800
Message 15 of 15
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