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SYNCHRONY !!! IM IN!!!

u2bjohnson06
Established Member

Re: SYNCHRONY !!! IM IN!!!

Thank you!!!!

Message 11 of 41
u2bjohnson06
Established Member

Re: SYNCHRONY !!! IM IN!!!

Thank you for the advice!! Should I pay in full each month or let a small bal carry? I read different things on that. I've red FICO likes to see small usage monthly not zero balances.

Message 12 of 41
humuhumunukunukuapuaa
Senior Contributor

Re: SYNCHRONY !!! IM IN!!!

Congratulations on your success! Once your score gets above 660, Synchrony should give CLI's on the cards. Smiley Happy



Favorite Cards : ~ Citi Double Cash World Elite MasterCard ~
~ American Express Blue Cash Preferred ~ Chase Hyatt Visa Signature ~
~ Citi AAdvantage World Elite MasterCard ~ Citi Prestige ~ Alaska Airlines Visa Signature ~ Discover it Miles ~
Message 13 of 41
humuhumunukunukuapuaa
Senior Contributor

Re: SYNCHRONY !!! IM IN!!!


@u2bjohnson06 wrote:

Thank you for the advice!! Should I pay in full each month or let a small bal carry? I read different things on that. I've red FICO likes to see small usage monthly not zero balances.


I use my Synchrony cards each month, because there have been reports on the board of people having limits slashed after 5 months of non-use on a card. None of us really know what the threshold is for that, so to be safe, I show usage each month.

 

Paying in full each month is a good strategy not only because it is a wise plan to help you maintain your finances well, but also because you will avoid the high interest that is inherent on Synchrony cards.

 

For best FICO results, let one card report a small balance each month and let the other cards report zero. The card reporting the small balance should ideally be your lowest interest rate card. Hope this helps. Smiley Happy



Favorite Cards : ~ Citi Double Cash World Elite MasterCard ~
~ American Express Blue Cash Preferred ~ Chase Hyatt Visa Signature ~
~ Citi AAdvantage World Elite MasterCard ~ Citi Prestige ~ Alaska Airlines Visa Signature ~ Discover it Miles ~
Message 14 of 41
Musiclover
Super Contributor

Re: SYNCHRONY !!! IM IN!!!

Congratualtions!


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover..
Message 15 of 41
u2bjohnson06
Established Member

Re: SYNCHRONY !!! IM IN!!!

Thanks!!
Message 16 of 41
u2bjohnson06
Established Member

Re: SYNCHRONY !!! IM IN!!!

Thank you! I was wondering the next threshold for cli. Will they increase without me asking? Or I need to ask as soon as I hit 660?
Message 17 of 41
u2bjohnson06
Established Member

Re: SYNCHRONY !!! IM IN!!!

Will do!! Thank you! You're AWESOME!!
Message 18 of 41
humuhumunukunukuapuaa
Senior Contributor

Re: SYNCHRONY !!! IM IN!!!


@u2bjohnson06 wrote:
Thank you! I was wondering the next threshold for cli. Will they increase without me asking? Or I need to ask as soon as I hit 660?

I'd call Credit Solutions in 3-4 months once you have some sort of score increase.

 

I'm mentioning 660 only because I don't want you to be disappointed if you don't get one before you hit 660, as that seems to be some sort of threshold with Synchrony. But I'd give it a try in a few months anyway. Never hurts to try. Smiley Happy



Favorite Cards : ~ Citi Double Cash World Elite MasterCard ~
~ American Express Blue Cash Preferred ~ Chase Hyatt Visa Signature ~
~ Citi AAdvantage World Elite MasterCard ~ Citi Prestige ~ Alaska Airlines Visa Signature ~ Discover it Miles ~
Message 19 of 41
yoyo
Established Contributor

Re: SYNCHRONY !!! IM IN!!!

Congrads...

Message 20 of 41
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