What is synchrony looking for?

[haleyjen]

I literally cannot get a single card with them (I really want the amazon one)....I'm assuming it's because they insist on pulling TU which is by far my worst report.  What do they look for?

[AverageJoesCredit]

Unfortunately, mostly TU reports. The higher your score the better your chances

[Anonymous]

I got the Amazon (Prime, since I was already a Prime member at the time) store card with about a 630 TU, if I remember correctly... I've had it for a while lol

It started with a $900 limit.

I had gotten a pre-approved mailer for the Walmart card (which approved initially with a $300 limit at about TU 600), but waited a few months until I had built up my scores a bit before trying for the Amazon card (which, like you, was the one I really wanted from them).  

Oddly, now years later, the Walmart (which converted to the Mastercard version a while back) has not grown much (it's stuck at about $1500 - but then I never ask for CLI and don't use it that much; it stays for the age right now), but the Amazon CL has increased to over ten times its original limit.

[Anonymous]

I got denied for Amazon earlier this year with a 570 TU FICO08.  I spend seasonally on Amazon and just wanted the 5% cash back at statement.

A few days ago, my TU jumped from 590 to 635 and I got my first Chase pre-qualification ever so I apped Chase (approved $500) and decided to risk the Amazon store card right after.  Apped that, instant approval for $400 (and $40 store credit).  My TU shows an unpaid tax lien, recent collection from 1/17 and a chargeoff from 2015.  Still got a small approval and hoping it might grow with time and usage.

[haleyjen]

Gotcha.  I'll just have to find a way to drag my TU up a bit...I'm paying off the charge off that I can in a few weeks and I'll have to work on my util (it's higher on TU for some weird reason).

[Anonymous]

My utilization was around 3% overall.  I should also mention that I apped Walmart store card immediately after the Amazon approval and it was an instant denial.  Called for recon and they told me my account is closed, so I assume I burned Walmart before and don't remember, but they wouldn't reconsider for any reason.

[Anonymous]

I got in with synchrony walmart with TU 595.

[MrsCHX]

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@haleyjen wrote:

I'll have to work on my util (it's higher on TU for some weird reason).

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Because TU is painfully slow at updating. 

[JoeLuvsHisCredit]

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@MrsCHX wrote:

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@haleyjen wrote:

I'll have to work on my util (it's higher on TU for some weird reason).

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Because TU is painfully slow at updating. 

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AMEN LOL

[AverageJoesCredit]

If TU is painfully slow, Equifax is molasses on the back of a turtle