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SYNCHRONY AMAZON | INSTANT APPROVAL | SL: Oh no :(

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Anonymous
Not applicable

SYNCHRONY AMAZON | INSTANT APPROVAL | SL: Oh no :(

I'm not quite sure what happened here. They did not require any proof of income, or ask for it. I called in for a reconsideration thinking the first rep, I might of misheard.. but no.. Synchrony does no such 'reconsideration'. They told me I could try for a CLI and that it would be a soft pull. Obviously agreed. .... DENIED

 

I cannot seriously believe I just wasted a hard pull for.....

 

3B Scores 

 

$150

 

18 active accounts, average age of accounts is 8mos, oldest being 3 years. Ex: 5 inqs - Eq: 8 inqs - Tu: 8inqs - Derogs: 0 - Income: $126050.00

FIRST SYNCHRONY BANK AND OR FINANCIAL ACCOUNT.

Nonetheless, go me, right? Smiley Sad

 

Message 1 of 41
40 REPLIES 40
AllZero
Mega Contributor

Re: SYNCHRONY AMAZON | INSTANT APPROVAL | SL: Oh no :(

Congratulations on your approval?

Message 2 of 41
Anonymous
Not applicable

Re: SYNCHRONY AMAZON | INSTANT APPROVAL | SL: Oh no :(


@AllZero wrote:

Congratulations on your approval?


I'm looking for insight! I did not even know credit limits went this low?!?!

Message 3 of 41
Anonymous
Not applicable

Re: SYNCHRONY AMAZON | INSTANT APPROVAL | SL: Oh no :(

new datapoint on how low Sync SLs can be Smiley LOL

 

congratulations!!

Message 4 of 41
Anonymous
Not applicable

Re: SYNCHRONY AMAZON | INSTANT APPROVAL | SL: Oh no :(

Screenshot Proof of $150 

 

I know some, and even myself are skeptic!

Message 5 of 41
Brian_Earl_Spilner
Credit Mentor

Re: SYNCHRONY AMAZON | INSTANT APPROVAL | SL: Oh no :(

What's the * for? Is it possible this is a temporary limit until you activate the card? Sync is known to do that if they can't instantly verify your info. Though, I've never seen $150. $6-800, yes.

    
Message 6 of 41
AllZero
Mega Contributor

Re: SYNCHRONY AMAZON | INSTANT APPROVAL | SL: Oh no :(


@Anonymous wrote:

@AllZero wrote:

Congratulations on your approval?


I'm looking for insight! I did not even know credit limits went this low?!?!


Neither did I. From my understanding, CLI interval request is between 3-6 months.

Message 7 of 41
Meanmchine
Super Contributor

Re: SYNCHRONY AMAZON | INSTANT APPROVAL | SL: Oh no :(


@Anonymous wrote:

I'm not quite sure what happened here. They did not require any proof of income, or ask for it. I called in for a reconsideration thinking the first rep, I might of misheard.. but no.. Synchrony does no such 'reconsideration'. They told me I could try for a CLI and that it would be a soft pull. Obviously agreed. .... DENIED

 

I cannot seriously believe I just wasted a hard pull for.....

 

3B Scores 

 

$150

 

18 active accounts, average age of accounts is 8mos, oldest being 3 years. Ex: 5 inqs - Eq: 8 inqs - Tu: 8inqs - Derogs: 0 - Income: $126050.00

FIRST SYNCHRONY BANK AND OR FINANCIAL ACCOUNT.

Nonetheless, go me, right? Smiley Sad

 


Thats the reason for your SL.  Slow down on your apping

Congrats on your new Amazon SC

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 8 of 41
Anonymous
Not applicable

Re: SYNCHRONY AMAZON | INSTANT APPROVAL | SL: Oh no :(

Wow! Never seen SL that low before! Hopefully it is just a temporary limit.

Message 9 of 41
Anonymous
Not applicable

Re: SYNCHRONY AMAZON | INSTANT APPROVAL | SL: Oh no :(

Yup, time to hit the garden.  Credit approvals are not based solely on credit scores nor income.

Message 10 of 41
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