Syncrony / GE Capital Refuses to approve me.

[Creditaddict]

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@MacMan313 wrote:

Yes all accounts show IIB except my child support which im sure wouldnt be held against me, im not pastdue.

I was even denied with my 700 score and an almost flaweless report.

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if this was just shy of filing bk what was your util like?

scores are only a small piece of the whole approval process for credit cards.

[MacMan313]

this was circa 2009. Around 40%.

[Pway]

I cannot get a card with this bank either.  I burned them in bk for one card Jc Penney and I have tried and tired and I get nothing.  Although I am back in with all the lenders I bk in September 2014. I just don't get this bank.  

Currently in the Garden.

[Creditaddict]

1 year post bk might be better

[Anonymous]

I got Walmart and Amazon (within two weeks of each other) at a 625 score on TU.  Care Credit was in October, almost by accident since my dentist recommended it for help on dental work. If you're score is relatively low but have few baddies on TU, you might have some luck.  Burning them in a BK however is bad news. 

[mt2va]

I personally had a very difficult time trying to get in with them.  Even when I had no lates/nothing in collections/etc I couldn't get a card with them to save my life.  Last year I was approved for 3 or 4 of their cards.  (pretty much low limits)  And despite everyone else saying they are easy to get CLI with I have not found that to be the case.  Every time I have tried I'm denied for the CLI using the same reasons that were in existence when they first approved the card.  I don't understand them at all.

[Anonymous]

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@mt2va wrote:

I personally had a very difficult time trying to get in with them.  Even when I had no lates/nothing in collections/etc I couldn't get a card with them to save my life.  Last year I was approved for 3 or 4 of their cards.  (pretty much low limits)  And despite everyone else saying they are easy to get CLI with I have not found that to be the case.  Every time I have tried I'm denied for the CLI using the same reasons that were in existence when they first approved the card.  I don't understand them at all.

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You must have several current/recent baddies on your CR, that is why they're denying your CLI's.

Once you're clear of the baddies, you'll get your CLIs like clockwork every 4 months on cards like Walmart and Amazon.  Some baddies Synchrony will overlook.  I had an almost 10 year old tax lien on my CR and they kept giving me CLI's.