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Google Store Approval (Synchrony)

Sasuke
Contributor

Google Store Approval (Synchrony)

I have an old iPhone 7 Plus and decided to get the new Pixel 3.  So I applied for the financing deal (0% for 2 years).  Instant approval for $2.2K (Google Store Card).  It's perfect for phone upgrades since they always offer 0% for 2 years on phones for that account.

 

So a good useful approval. Smiley Happy

Alliant Platinum Visa $10,000
AMEX Blue Cash Everyday $1,000
AMEX EveryDay $2,000
BECU Visa $12,500
CapitalOne BuyPower $1,250
CapitalOne QS $7,950
Chartway Federal Credit Union Visa Rewards $20,400
Chase Amazon Prime Rewards $1,000
Chase Disney Rewards $2,500
Citi Double Cash $3,600
Comenity Bank/Arhaus $11,000
Comenity Bank/RH $14,000
Discover Miles $24,000
Jax Fed Platinum Visa $15,000
Langley Cash Back Visa $15,000
Nordstrom Visa $7,500
PenFed Power Cash $4,500
Syncb/Amazon Store Card $6,000
Syncb/Google Store Card $2,200
Syncb/PayPal Cash Back $8,000
Syncb/Walmart Credit Card $500
Target MasterCard $800
Vystar Platinum Visa $10,000
Total revolving credit $180,700

FICO 8: Equifax 736 | Experian 729 | TransUnion 739
Message 1 of 11
10 REPLIES 10
rbentley
Established Contributor

Re: Google Store Approval (Synchrony)

Great tip!  I think I am going to follow in a month or two once solid reviews are in on Pixel 3. Definately makes sence to pick up card for financing.  Only concern is the SL you got.  You are lover 35% utilization on that card, right?  What were your scores?

Message 2 of 11
Sasuke
Contributor

Re: Google Store Approval (Synchrony)

The scores were the same as in my signature.  Sync usually approves lower limits for me.  Whereas Comenity approves high limits I never need.

 

My overall utilization is going to be under 9% since I have over $100K in credit that I hardly use.

 

I'll also pay that down much faster than they expect.  I'll sell my iPhone and put those funds on that account.  It'll drop under 35% quickly.

Alliant Platinum Visa $10,000
AMEX Blue Cash Everyday $1,000
AMEX EveryDay $2,000
BECU Visa $12,500
CapitalOne BuyPower $1,250
CapitalOne QS $7,950
Chartway Federal Credit Union Visa Rewards $20,400
Chase Amazon Prime Rewards $1,000
Chase Disney Rewards $2,500
Citi Double Cash $3,600
Comenity Bank/Arhaus $11,000
Comenity Bank/RH $14,000
Discover Miles $24,000
Jax Fed Platinum Visa $15,000
Langley Cash Back Visa $15,000
Nordstrom Visa $7,500
PenFed Power Cash $4,500
Syncb/Amazon Store Card $6,000
Syncb/Google Store Card $2,200
Syncb/PayPal Cash Back $8,000
Syncb/Walmart Credit Card $500
Target MasterCard $800
Vystar Platinum Visa $10,000
Total revolving credit $180,700

FICO 8: Equifax 736 | Experian 729 | TransUnion 739
Message 3 of 11
James_A
Valued Contributor

Re: Google Store Approval (Synchrony)


@Sasuke wrote:

The scores were the same as in my signature. 


For posterity (because they won't be the same forever): 

FICO 8: Equifax 705 | Experian 707 | TransUnion 713
 
Congrats! on your approval.
Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/12/2021): FICO 08 EXP: 748; TU: 755; EQ: 773
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 4 of 11
rbentley
Established Contributor

Re: Google Store Approval (Synchrony)

My scores are very similar to yours.  Sync would likely give me a similar low SL.  Not a big issue as I would only be using this account in the Google store, still I wonder about getting another card with a 0% into rate which would likely come with a much higher SL.  I presently have a very outdated S6 which has no trade in value.

Message 5 of 11
Sasuke
Contributor

Re: Google Store Approval (Synchrony)

It would depend on how fast you want to pay the grand off.  There are a lot of nice cards that would give you 0% for 12-15 months vs 24 on a new purchase.  

Alliant Platinum Visa $10,000
AMEX Blue Cash Everyday $1,000
AMEX EveryDay $2,000
BECU Visa $12,500
CapitalOne BuyPower $1,250
CapitalOne QS $7,950
Chartway Federal Credit Union Visa Rewards $20,400
Chase Amazon Prime Rewards $1,000
Chase Disney Rewards $2,500
Citi Double Cash $3,600
Comenity Bank/Arhaus $11,000
Comenity Bank/RH $14,000
Discover Miles $24,000
Jax Fed Platinum Visa $15,000
Langley Cash Back Visa $15,000
Nordstrom Visa $7,500
PenFed Power Cash $4,500
Syncb/Amazon Store Card $6,000
Syncb/Google Store Card $2,200
Syncb/PayPal Cash Back $8,000
Syncb/Walmart Credit Card $500
Target MasterCard $800
Vystar Platinum Visa $10,000
Total revolving credit $180,700

FICO 8: Equifax 736 | Experian 729 | TransUnion 739
Message 6 of 11
FireMedic1
Super Contributor

Re: Google Store Approval (Synchrony)

Congrats! Love my Pixel 2 XL. Glad your getting the Pixel. The XL and that huge ugly notch. I'll pass on it.

Message 7 of 11
MartyWrite75
Established Contributor

Re: Google Store Approval (Synchrony)

WOW!  Congratulations on your approval!

May 2021: Experian 710 Equifax 698 Transunion 715


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS1: $4,100 || Discover It: $3,400 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $1,000 || Amazon Prime Store Card: $6,000 || Overstock Store Card: $6,050 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $2,000

Wishlist Cards:
Citi Double Cash || Paypal Mastercard || Cap One Savor

Gardening from 03/18/2021 to 04/18/2023 (ideally)
Total Utilization: 11%
Message 8 of 11
TyRacing
Frequent Contributor

Re: Google Store Approval (Synchrony)

Congrats! HP from? thanks

Have the Following:



CashBack Cards Goals: Citi Rewards+

Status: Doing my Homework before I App

Note to Self: Focus on the Abundance of Love and you shall have more!

Message 9 of 11
kaw943
Regular Contributor

Re: Google Store Approval (Synchrony)


@Sasuke wrote:

I have an old iPhone 7 Plus and decided to get the new Pixel 3.  So I applied for the financing deal (0% for 2 years).  Instant approval for $2.2K (Google Store Card).  It's perfect for phone upgrades since they always offer 0% for 2 years on phones for that account.

 

So a good useful approval. Smiley Happy


Just an FYI I did this last year and my intial was 1500,  after 2 months I requested a limit increase via the google sync card site and my limit was increased to 10k.  I am not sure what I will be buying from the google store for that amount but hey I was able to cancel a cc that had a high annual fee that I wasn't using without taking the hit on available credit. 

Trans 740| Equifax 722| Experian 733| Chase Sapphire Reserve 20k|Discover It 12k| Bofa Cash Rewards 22k| Citi Prestige 11k and AA Executive WEMC 22k|Amazon SC 7k|FNBO TravElite 10k| Amex Plat NSPL, Everyday Preferred 6k|PenFed Plat Rewards
Message 10 of 11
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