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Crate & Barrel Mastercard Synchrony

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Regular Contributor

Crate & Barrel Mastercard Synchrony

Logged into my Crate & Barrel account. Decided to do a cold app.

 

Instant approval. HP on TU. FICO 08. Score 788.

Temporary Limit: $6000

Once I recieve and activate the card, it will be interesting to see wha the real limit is.

Message 1 of 10
9 REPLIES 9
Regular Contributor

Re: Crate & Barrel Mastercard Synchrony

Passing along some info. Looks like since Sync took over the card, the slot machines are loose on the approvals.

 

Sister applied: Temp limit $5500 Mastercard

Sister In Law applied: Temp Limit: $10,000 Mastercard

Message 2 of 10
Valued Contributor

Re: Crate & Barrel Mastercard Synchrony

Congratulations!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 3 of 10
Valued Contributor

Re: Crate & Barrel Mastercard Synchrony


@TheVig wrote:

Passing along some info. Looks like since Sync took over the card, the slot machines are loose on the approvals.

 

Sister applied: Temp limit $5500 Mastercard

Sister In Law applied: Temp Limit: $10,000 Mastercard


Maybe they're not being stingy anymore cause of losing Walmart to Cap1. LOL!!!!!! Smiley Very Happy Congrats!



My posts are JMHO. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC.
Message 4 of 10
Senior Contributor

Re: Crate & Barrel Mastercard Synchrony

Congrats on your approval and very nice SL !!!!!

 

 

3-2019 / Fico 8 EX 802 , EQ 803 , TR 805
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 5 of 10
Regular Contributor

Re: Crate & Barrel Mastercard Synchrony


@TheVig wrote:

Logged into my Crate & Barrel account. Decided to do a cold app.

 

Instant approval. HP on TU. FICO 08. Score 788.

Temporary Limit: $6000

Once I recieve and activate the card, it will be interesting to see wha the real limit is.


Congrats! Happy spending!! I have a C&B addiction. ☺️

Your chosen approach can dictate what will be your final outcome. Be proactive, not reactive-
Message 6 of 10
Contributor

Re: Crate & Barrel Mastercard Synchrony

Do you have any history with Synchrony? Any other cards or accounts with them? This is a card I thought about because of the amount of furniture I have bought previously from this store and what I might spend in the future. I had a pre-approval with them a couple of years ago but didn't want another Comenity card. Now that they are with Synchrony it is making me think again Smiley Happy



Message 7 of 10
Highlighted
Regular Contributor

Re: Crate & Barrel Mastercard Synchrony


@sryan112213 wrote:

Do you have any history with Synchrony? Any other cards or accounts with them? This is a card I thought about because of the amount of furniture I have bought previously from this store and what I might spend in the future. I had a pre-approval with them a couple of years ago but didn't want another Comenity card. Now that they are with Synchrony it is making me think again Smiley Happy


Plenty of history with Sync.

 

Walmart MC $10k

Amazon $10k

CarCareOne $8k

Crate & Barrel MC $8k

Sams Club MC $10k

Lowe’s $10k

 

Except for the Crate and Barrel card. The above cards were acquired in 2015/2016. Like all my creditors, not one penny of interest has been paid. I always PIF.

Message 8 of 10
Contributor

Re: Crate & Barrel Mastercard Synchrony

Thank you so much for your response! I think I will let my limits build a bit higher and my current accounts with Synchrony age a little bit, then bite the bullet on applying. I just started with them last May so my history is shorter than other banks.



Message 9 of 10
Frequent Contributor

Re: Crate & Barrel Mastercard Synchrony

Congratulations 🍾🎈

Sync won’t even approve me for a card 😂
I’ll be waiting for my scores to go up and then I will do a farewell app. No more trying for Sync after that 🙄
Sept 18: EQ: 578 TU: 583 EX: 576
March 19’: EQ: 615 TU: 642 EX: 637

April 19’ EQ: 616 TU: 642 EX: 641 Goal by Sept 20’ EQ: 700 TU: 700 EX:700

AA: 7YRS AAOA: 1YR 9MOS
Inquiries in 12 months: EQ: 6 TU: 2 EX: 4
New Accounts in the last 6 months: 2
Chase 3/24-4/24 June 19’

Subprimes To Be Closed:



One Day:
Message 10 of 10