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Sooo... Synchrony Wal-Mart Card Approved

Valued Member

Sooo... Synchrony Wal-Mart Card Approved

Applied for a Synchrony Wal-Mart credit card a couple of weeks ago. Had to send them a notarized identity verification document. Well, I called today and it’s approved... with a SL of $150. I called Credit Solutions and they flat out denied any CLI. Not sure what I’ll do, maybe charge something little on Walmart.com every few months.
FICO 8 Scores 4/1/2018: 694 EX 714 EQ 740 TU

WF Cash Wise $12,500 PenFed Power Cash $9,500 BOA $4900 HSBC Cash Rewards $2750 Discover It $800 Maurices $500
Message 1 of 16
15 REPLIES
Frequent Contributor

Re: Sooo... Synchrony Wal-Mart Card Approved

you have pretty good scores that sl is crazy




Message 2 of 16
Valued Member

Re: Sooo... Synchrony Wal-Mart Card Approved

Yeah, maybe they don’t like my number of inquiries? Don’t remember burning Wal-Mart in the past, but maybe I did.
FICO 8 Scores 4/1/2018: 694 EX 714 EQ 740 TU

WF Cash Wise $12,500 PenFed Power Cash $9,500 BOA $4900 HSBC Cash Rewards $2750 Discover It $800 Maurices $500
Message 3 of 16
Established Contributor

Re: Sooo... Synchrony Wal-Mart Card Approved

WoW... 740 Tu $150 that's nuts!

Should be 8k-12k
Amex PRG NPSL I Chase Marriott $10k I Venture $15.3k I Amex BCE $10K I PNC 10K I Chase IHG $8.6k l Amazon $6k l Chase Hyatt 20k l US Bank Cash+ $10K I Barclays $10k I Venture $13k l Discover it $4.1k l Express Next $3.1k l Amex EverDay $15K l Credit One $2.2k l Cabelas 1k I Wayfair $12.1k I Walmart $8k l SG $6.8k l Target $3K I PP 2K l AU Shell Gas $900 opened in 1974 l Ex 704 Tu 698 Eq 667

Anything worth fighting for is worth fighting dirty for.
Message 4 of 16
Valued Contributor

Re: Sooo... Synchrony Wal-Mart Card Approved


@frencheese wrote:
Applied for a Synchrony Wal-Mart credit card a couple of weeks ago. Had to send them a notarized identity verification document. Well, I called today and it’s approved... with a SL of $150. I called Credit Solutions and they flat out denied any CLI. Not sure what I’ll do, maybe charge something little on Walmart.com every few months.

I'm pretty sure that is a temp limit. You will get your real limit when card arrives. Happened to me also a little while back...good luck!!

American Express Business Gold(NPSL 10k) AmexPlat (NPSL 35K) Chase CSP (25k) BofA CR Siggy (22.1k) BofA BBR (22.9k) Amex BCP(18k) Lowes (17K) Pier 1(18.5k) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) Overstock (13K) Venture WMC (10.25k) Amex Everyday (10k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(9.5k☝️) J Crew( 9.9k) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (7.5K) Fidelity® Rewards Visa Signature® Card (6.5K) Citi Diamond (6.5k) PenFed PCR (5K) Discover (4k✌️) Kohls (3k)
Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K

FICO 8 Scores EX 691(18) EQ 675(24)TU 688(20)
AAOA 2.11yrs TCL=344,050
Message 5 of 16
Established Contributor

Re: Sooo... Synchrony Wal-Mart Card Approved

Case of beer would put you at 10%.  Just for the record, I want to tell everybody to stop applying for the WalMart card, just stop it.

 

If you can stomach the $45 annual fee to Sam's Club go get the Sam's Club MC.  They give much more generous limits and they don't CLD you. 

 

You can use it anywhere.  I got mine to $20k in two years.

Message 6 of 16
Frequent Contributor

Re: Sooo... Synchrony Wal-Mart Card Approved


@CreditContractor wrote:

Case of beer would put you at 10%.  Just for the record, I want to tell everybody to stop applying for the WalMart card, just stop it.

 

If you can stomach the $45 annual fee to Sam's Club go get the Sam's Club MC.  They give much more generous limits and they don't CLD you. 

 

You can use it anywhere.  I got mine to $20k in two years.


sound advice ive seen so many stories of them closing peoples accounts or cutting their cl i wonder why they do this




Message 7 of 16
Frequent Contributor

Re: Sooo... Synchrony Wal-Mart Card Approved

Don't close it like everyone says. Just be patient. This is common for sync in case anyone around here hasnt noticed .Scores are irrelevant for their SL. They want to see some history first even if you hardly use the card its better than negative history or lates etc.  Guess what my SL was last year? $200. As well as many many others on here. And 3 months later? I bumped it up to 5k in one night doing CLI. Yesterday just for laughes I requested up to $6k. Now I have $6k. I havent even used it in months now that I have better cards but it will help with my UTI. But I may try for more later this week if I get bored idk. I know I left plenty on the table. Just be patient. And besides isn't sams CC backed by sync also?

Fico 08 TU 680 EQ 682 EX 680 (4/05/18)
Fico 08 TU 668 EQ 656 EX 671 (1/13/18)
FICO 08 TU 533 EQ 512 EX 522 (2/6/17)
1 collection charge off paid April '17 ($500 GTE FCU) went over 120+ days late on it account closed. PIF to CA

NFCU Cash Rewards-$2800 (1/13/18), USAA Classic Platinum Visa-$1000 (1/13/18), Discover IT-$10,000! (1/13/18), AMEX BCE-$1000 (1/13/18), AMEX Blue Delta SkyMiles-$1000 (1/13/18), Care Credit-$7500(1/13/18), Cap1 Platinum Preferred-$1500 (1/15/18), Wal-Mart $5000 as of Nov '17 (SL $200 July '17), Dillards $1000 July '17, Several rebuilder cards closed not listed
Message 8 of 16
Valued Member

Re: Sooo... Synchrony Wal-Mart Card Approved

Thanks, I’ll be patient. What’s three months? I’ll try then.
FICO 8 Scores 4/1/2018: 694 EX 714 EQ 740 TU

WF Cash Wise $12,500 PenFed Power Cash $9,500 BOA $4900 HSBC Cash Rewards $2750 Discover It $800 Maurices $500
Message 9 of 16
Contributor

Re: Sooo... Synchrony Wal-Mart Card Approved

Started off with my Walmart store card $200 limit may 2017. After reading the forums and learning about requesting cli over chat about 6 months later I asked for 6k and got it(was declined for $7500 after hitting the cli button while logged in). At that point I never made a single purchase on the card.

Currently I’m up to 10k and I do use the card for a few purchases every month. I’ve also requested and been denied a cli a few times also. Pretty much almost anything I goto search for and purchase online, Walmart always seems to show up as having the product for sale somehow. Almost bought a zip line kit from them today Lol
Rebuild Begin - Fico 8 Scores
November 2016 tu 610 ef 588 ex 601
June 2018 tu 734 eq 735 ex 727
174,500 total revolving
Message 10 of 16