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Decrease to increase to increase,Hello 2024😄

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AverageJoesCredit
Legendary Contributor

Re: Decrease to increase to increase,Hello 2024😄


@Traveler101 wrote:

OMG..hello there. Dang I missed all your posts and your relentless attack on PenFed. Sure great to see you are around and kicking. Congrats on the increase. Hope all is well in your world.


Thanks @Traveler101  Smiley Happy.  Penfed was quite the journey.  Though now it seems they are reverting back to my first nemesis lolSmiley Wink  Hope all is well with you as well!

Message 11 of 24
CreditAggie
Community Leader
Super Contributor

Re: Decrease to increase to increase,Hello 2024😄

Congratulations on your Synchrony CLI!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (October 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 12 of 24
chhull00
Frequent Contributor

Re: Decrease to increase to increase,Hello 2024😄

Hey guy good to see you still here.

;






Message 13 of 24
firefox100
Senior Contributor

Re: Decrease to increase to increase,Hello 2024😄

HI glade your back on the boards and also glad you got most of your credit limit back from Synchrony bank. Just comment the same as cash is not great away to go if you know in advance that you are going to make a large purchase then go head open a new credit card such as Wf 2% cashback with 12 to 15 months of 0% intrest. The good thing about bank creditcards such as visa and Mastercard ther is no back intrest some you don't pay off the balance you will only pay intrest on balance that is no longer at 0% and you bet the cashback and 150$ or 200$ back when you meet the reward amount. with same as cashback cards from Synchrony if you don't pay the balance off or mis payment you could windup paying hundreds in intrest.

Message 14 of 24
SUPERSQUID
Valued Contributor

Re: Decrease to increase to increase,Hello 2024😄

3X0Z4XX (1).gif

Message 15 of 24
NoMoreE46
Community Leader
Senior Contributor

Re: Decrease to increase to increase,Hello 2024😄

Been a minute or two since you been here @AverageJoesCredit .

 

 


@cashorcharge wrote:

Welcome back @AverageJoesCredit 


 

Message 16 of 24
Meanmchine
Super Contributor

Re: Decrease to increase to increase,Hello 2024😄

Welcome back AJC. Missed seeing you

Gotta love bipolar Synchrony.  Congrats

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>7/2025 All 3 reports 830 - 845(F8) F9s = all 850 but my app finger is still twitching
Message 17 of 24
AverageJoesCredit
Legendary Contributor

Re: Decrease to increase to increase,Hello 2024😄


@CreditAggie wrote:

Congratulations on your Synchrony CLI!


ThanksSmiley Happy lol everything I read your username I say Credit AGEE Smiley Wink.  Nice to see you still here supporting everyoneSmiley Happy

Message 18 of 24
AverageJoesCredit
Legendary Contributor

Re: Decrease to increase to increase,Hello 2024😄


@chhull00 wrote:

Hey guy good to see you still here.


Thanks good to see you as well. I love when I see posters from my era lol. I kinda think of my Fico era as the NBA from the early 90's Smiley Wink

Message 19 of 24
AverageJoesCredit
Legendary Contributor

Re: Decrease to increase to increase,Hello 2024😄


@firefox100 wrote:

HI glade your back on the boards and also glad you got most of your credit limit back from Synchrony bank. Just comment the same as cash is not great away to go if you know in advance that you are going to make a large purchase then go head open a new credit card such as Wf 2% cashback with 12 to 15 months of 0% intrest. The good thing about bank creditcards such as visa and Mastercard ther is no back intrest some you don't pay off the balance you will only pay intrest on balance that is no longer at 0% and you bet the cashback and 150$ or 200$ back when you meet the reward amount. with same as cashback cards from Synchrony if you don't pay the balance off or mis payment you could windup paying hundreds in intrest.


Thanks @firefox100  preach when it comes to Synchrony haha. As for getting those new cards/ subs I'm in abit of a tricky area as almost no one will approve me with my current debt/ income. But hey, got a new car so that's good lol. Appreciate the kind wordsSmiley Happy

Message 20 of 24
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