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SYNCHRONY !!! IM IN!!!

u2bjohnson06
Established Member

SYNCHRONY !!! IM IN!!!

Im soooooo happy to report that I decided to Go for the Synchrony Love!!!  After reading post about the TU scores required for Sync. I decided to apply. My scores are not that good at all. I really just started in October of 2015 working on my credit. So with my 639 TU score I applied! Walmart !!! approved.. Ok, Its only 600.00 but its a beginning! I tried the "Credit Solutionss" But still got denied for a higher limit. A week later I thought, Ok what if I just apply for any cards that Synchrony has!! Well, I did Amazon APPROVED $800.00!! CARE CREDIT APPROVED $1000!!! BELK APPROVED $300!! I applied all within 15 mins of each other! So I tried and pushed my luck for another card for GAP/ Old Navy..... Denied. But its ok!!! I have to come up with a gameplan now to get these up higher!!! Cloud 25right now!!!

Message 1 of 41
40 REPLIES 40
toi34
Established Contributor

Re: SYNCHRONY !!! IM IN!!!

Awesome! Give it 6 months and try Old Navy/Gap again, you should be a shoe-in for ALL Synchrony cards then. Smiley Wink

Message 2 of 41
Love325
New Contributor

Re: SYNCHRONY !!! IM IN!!!

Congrats!! You'll see them grow, I've got several of those as well and had similar SL and they've already been growing (I've only had WM for a couple months and they've increased me without any CLI).
TU 640, EX 625, EQ 620.....One day at a time! Smiley Happy
Message 3 of 41
Gust
Frequent Contributor

Re: SYNCHRONY !!! IM IN!!!

Congrats! , just use them wisely and all go good. 1 year ago i start with the same cards amazon and walmart with low limits , now i have other good cards and decent scores. good luck. 

Scores: TU: (04/17) 698 , EX: (04/17) 692 , EQ: (04/17) 675
Cards: Walmart MC: $6,000 , Amazon Store: $6,000 , Paypal Extras $7,000 , Chase Slate: $2,000 , Discover It: $2,600 , Amazon Visa: $2,000 , Citi Double Cash $800 , Amex BCE $1,000
Message 4 of 41
u2bjohnson06
Established Member

Re: SYNCHRONY !!! IM IN!!!

Thank you! I definitely will. My next step is my Cap1 cards. I am getting denials because I already have two cards. I've read that I need to combine them for a Cap1 QS. But not sure what the credit score needs to be. 

Message 5 of 41
u2bjohnson06
Established Member

Re: SYNCHRONY !!! IM IN!!!

Thanks! I definitely will treat them like gold!! I have learned the 2nd time around!! 

Message 6 of 41
u2bjohnson06
Established Member

Re: SYNCHRONY !!! IM IN!!!

Thank you! That is great to know! I hope they show me the same love!! 

Message 7 of 41
NeverTooLate
Valued Contributor

Re: SYNCHRONY !!! IM IN!!!

Congrats!  Smiley Happy

Message 8 of 41
alextercero
Super Contributor

Re: SYNCHRONY !!! IM IN!!!

Congrats

Current Credit Cards


Currently rebuilding as of (May 2021)
Starting Fico 8 Scores:

Current Fico 8 Scores:

Credit Age:

Inquiries:


Message 9 of 41
SublimeDavid
Frequent Contributor

Re: SYNCHRONY !!! IM IN!!!

Lol you got the exact same limits I did when I rebuilt my credit profile. Let them mature a bit put moderate use and PIF regularly. They lead to bigger and better things
F08 | EXP 770 | TU 807 | EQ 761 | 1% Utl | 3/23/19 Goal: 760+ Across the board | AMEX Platinum NPSL (30k Pay Later) | AMEX Gold NPSL (30k Pay Later) | PenFed Platinum Rewards VS 50k | DiscoverIT 44k | Cap One QS VS 26.5k | Chase Sapphire Reserve VS 25k | AMEX Blue Cash Preferred 25k | NFCU Flagship Rewards 25k | NFCU GoRewards VS 25k | Ebates 25k | PenFed PLOC 25k | Credit Union of Colorado 18.5k | Citi Double Cash WEMC 18.3k | Chase Freedom VS 18k | Alliant VS 15k | Bank of America Premium Rewards VS 15k | Bank of America Cash Rewards VS 12.9k | NASA FCU 11.9K | Citi Rewards + 8.5k | US Bank Cash+ VS 7.5k | Barclays Arrival + WEMC 7.5k | Chase IHG 7.5k | Chase Amazon VS 5k | Paypal Credit 4.5k | AAoA 5.8yr
Message 10 of 41
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