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ON, Wally and Belk

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Eyisila
Frequent Contributor

ON, Wally and Belk

Just wanted to give some insight on these 3 cards. 

 

Sync seemed to hate me.  All they have ever given me was a PP SC account that finally went to $2200 recently.  I went on a spree in the middle of April 2015 and got some very nice cards and limits.  Tried for Ebates and no.  Had tried for Wal Mart and Old Navy early 2014 (early into my rebuild) and no go.  Left well enough alone, as my scores were around the 650 - 680 mark and took a little bit of a dip due to more utilization (meeting spend bonuses), more inquiries (went from 1ex, 3eq, 5tu to 6ex, 10eq, 11tu) and AAoA took a hit from close to 3 years to about a year and a half. 

 

Fast forward to approximately 2 weeks ago.  I get a pre approval mailer for Wal-Mart.  After much mulling, decided to go with it.  Applied for the branded card, and got the store card for $1200.  Figured what the hay, another inq won't hurt much, tried for the ON Visa and got the store card for $400.  Waited about a week (so last week), got the cards in hand and went online and used the chat feature on both.  Figured I'd see if I could get an increase.  I asked for $10,000 on both, and were told they couldn't do it.  But they could do $4000 on Wally and $5000 on ON.  Of course I took LOL.

 

Fast forward to a couple days ago.  I get a pre-approval in the mail for Belk and JC Penny, WHAT!?!  Apparently Sync has fallen in love with me or something LOL.  Well, we needed some luggage for our trip next week to Comic Con.  Actually went into a local Belk and applied in store.  Approved for $1000!  As soon as we got home called credit solutions, asked for $10000 again.  "Sorry, we can't give that increase, but we can give you $6000".  YES!!! LOL. 

 

Now I am debating whether to take JC Penny up on the pre-qual.

Basically, I went from Sync only wanting to give me $2200 on a PP SC account to $2600 in initial approvals for the 3 cards to now a total of $15,000 on those 3 cards-along with $2200 on the SC still Smiley Happy.

 

AAoA is now at a year, scores hover from 645 to 675 in the past 3 1/2 months or so I have added about $53,000 in credit across multiple cards with Chase, Citi, Barclay, Amex, Cap One, and now these along with CLI with some Comenity cards and my NFCU go Rewards. 

I am done for a long time and very VERY happy.

 

Sorry for the long post, just wanted to post my success and give some data points (albeit not many) to those who may wonder.

 

Thanks for reading!

 

Message 1 of 9
8 REPLIES 8
Anonymous
Not applicable

Re: ON, Wally and Belk

Wow.. Very nice and thanks for sharing.

Message 2 of 9
Anonymous
Not applicable

Re: ON, Wally and Belk

Wow congrats!
Message 3 of 9
Dw4250
Valued Contributor

Re: ON, Wally and Belk

Congrats 

Message 4 of 9
OmarGB9
Community Leader
Super Contributor

Re: ON, Wally and Belk

Grats!

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 5 of 9
Anonymous
Not applicable

Re: ON, Wally and Belk

Congrats!

 

Comic-Con, huh? Alright! Enjoy Smiley Happy

Message 6 of 9
MissMoni223
Senior Contributor

Re: ON, Wally and Belk

You definitely hit the JACKPOT with Synchrony, CONGRATS!!!

Gardening Until Further Notice
15 Credit Cards (12 Major Banks & 3 Store Cards)
Message 7 of 9
Existentialist
Frequent Contributor

Re: ON, Wally and Belk

Thanx for taking time to share. Very nice & congrats 2 U.

Message 8 of 9
Anomalous
Senior Contributor

Re: ON, Wally and Belk

Awesomeness! Congratulations!

Keep both your credit and your body in top shape!

Message 9 of 9
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