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Maybe I'm younger now. Welcome back Spiderman

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Super Contributor

Maybe I'm younger now. Welcome back Spiderman

Back in 2016, I posted this, announcing, with great seriousness, the closing of my Synchrony cards, including my Spiderman card.

 

Truth be told, I miss the card. It was the only card I've ever had that made people smile when I used it.

 

So call me foolish, I just opened up a new Marvel Spiderman card Smiley Happy Life is short.

 

HP on TU of course.

TU FICO 8 is 772.

TU inquiries: 2.

Interest rate the middle one at 22.74%.

Don't know actual starting limit; temporary starting limit is $500. Starting limit = $2k.

 

I gather that Synchrony is less generous than it used to be with credit limits (my old one was 20k when I closed it), so I'll probably get I got a small limit; but who cares?

 

3% simple cashback on dining & entertainment is good. Smiles are worth something too Smiley Happy


Total revolving limits 639500 (558000 reporting)
Message 1 of 26
25 REPLIES 25
Valued Contributor

Re: Maybe I'm younger now. Welcome back Spiderman

All you have to do is call the Spidey # to get that limit up as you know.

500K+ TCL / 800+ FCOs
Message 2 of 26
Valued Contributor

Re: Maybe I'm younger now. Welcome back Spiderman

Congrats on adding back an old favorite to your credit profile.  Keep us updated on the SL when you get your card. 




UNpopular opinions have served me well and will offer that which has worked for me.
Message 3 of 26
Super Contributor

Re: Maybe I'm younger now. Welcome back Spiderman

Anything I need to know about their reporting habits? I don't recall having an issue with it way back then, but I've read some posts suggesting that Synchrony is erratic on dates it reports to bureaus.


Total revolving limits 639500 (558000 reporting)
Message 4 of 26
Moderator

Re: Maybe I'm younger now. Welcome back Spiderman


@SouthJamaica wrote:

Anything I need to know about their reporting habits? I don't recall having an issue with it way back then, but I've read some posts suggesting that Synchrony is erratic on dates it reports to bureaus.


Really from what I have seen it is any big charge is when they choose to report say a 1k charge most liekly will report on a weird basis where-as a 100 charge they don't bother till statement closing date.  This is what I have seen from Sync.  Anytime a large charge, posts within a few days, small charges not normally.  Its like they want other creditors to know that you put a significant charge on their card for whatever reason.

Message 5 of 26
Super Contributor

Re: Maybe I'm younger now. Welcome back Spiderman


@CreditCuriosity wrote:

@SouthJamaica wrote:

Anything I need to know about their reporting habits? I don't recall having an issue with it way back then, but I've read some posts suggesting that Synchrony is erratic on dates it reports to bureaus.


Really from what I have seen it is any big charge is when they choose to report say a 1k charge most liekly will report on a weird basis where-as a 100 charge they don't bother till statement closing date.  This is what I have seen from Sync.  Anytime a large charge, posts within a few days, small charges not normally.  Its like they want other creditors to know that you put a significant charge on their card for whatever reason.


Great. Thanks for that insight.

 

Then it shouldn't be a big problem for me, as I am not much of a big spender Smiley Happy


Total revolving limits 639500 (558000 reporting)
Message 6 of 26
Community Leader
Senior Contributor

Re: Maybe I'm younger now. Welcome back Spiderman

Congrats .  This is one of my slower moving cards with synch, it grows but doesn't seem to move as quickly,  but does move😊

 

It will however report within a day or 2 after approval, that's how I usually find out my true limit😉

EXP 763 TU 793 EQ 734
Message 7 of 26
Super Contributor

Re: Maybe I'm younger now. Welcome back Spiderman


@SouthJamaica wrote:

Back in 2016, I posted this, announcing, with great seriousness, the closing of my Synchrony cards, including my Spiderman card.

 

Truth be told, I miss the card. It was the only card I've ever had that made people smile when I used it.

 

So call me foolish, I just opened up a new Marvel Spiderman card Smiley Happy Life is short.

 

HP on TU of course.

TU FICO 8 is 772.

TU inquiries: 2.

Interest rate the middle one at 22.74%.

Don't know actual starting limit; temporary starting limit is $500.

 

I gather that Synchrony is less generous than it used to be with credit limits (I think my old one was 25k when I closed it), so I'll probably get a small limit; but who cares?

 

3% simple cashback on dining & entertainment is good. Smiles are worth something too Smiley Happy


Oh CM7 remembers that very well. And i was so full of jelly when it came out with all the cool approvals but had just been approved for Sams Club MC + Ebates Visa + PayPal Extras MC all in a short span. I missed out on the awesome rave and the approvals for it were sizzling at the time.

 

Nice you was able to revisit and reclaim that Spiderman Card Smiley Happy

 

Message 8 of 26
Member

Re: Maybe I'm younger now. Welcome back Spiderman

I got the marvel card back in May 2017 with $4000 SL with 711 TU & it sits at $10k now with 756 TU. It has moved, but not anywhere near as fast as my others.

Message 9 of 26
Frequent Contributor

Re: Maybe I'm younger now. Welcome back Spiderman

Ayy congrats on the (re-)approval! And yes, smiles are important 😄

Message 10 of 26
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