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Synchrony/Buckle Card Approval - $250

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Synchrony/Buckle Card Approval - $250

Hi all!

New to the boards after lurking for AGES. I've been in the process of rebuilding my credit and therefore haven't applied for any sort of cards since 2016... and had a denial for a CLI for my NFCU card a few months ago that totally turned me off from the process. That said, my score has been inching up and I've been looking for ways to bring down my overall utilization... and decided in the midst of doing some shopping that I'd apply for the Buckle Store CC. (They were offering 20% off, AND I was pretty sure I'd get it based on reading here.)


Sure enough, after a quick application and an Equifax pull, it was approved for $250 (which seems to be their standard starting limit). Even though I was pretty sure I'd get it, I was still totally shocked when it said yes. Made my purchase and paid off all but $5 immediately. Hoping that I can do this every few months and get some CLIs. Smiley Happy


For reference, here are my Equifax stats from the time of the pull:

  • FICO 9 was 613 (from NFCU) (but 622 per CK)
  • 3 inquiries - 1/19, 6/17, and 3/17
  • 100% on time payments (156/156)
  • 100% util (please don't judge me - I had made a payment that brought that down to 72%, but it won't post to my report till tomorrow)
  • 13 Accounts (1 CC, 1 Auto, 1 Personal Loan, 10 student loans)
  • AAoA - 11 months (thanks student loans)
  • 0 Derogs

All in all, really good experience, although, I probably won't be applying for anything else until I see what kind of score bump I get from bringing down my util.


Thank you all for posting such detailed info and helping me to get my credit act together. 



Message 1 of 10
Senior Contributor

Re: Synchrony/Buckle Card Approval - $250

Congrats on your approval !!!



8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 2 of 10
Valued Contributor

Re: Synchrony/Buckle Card Approval - $250

CONGRATULATIONS on your Approval and Welcome to the FORUMS!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $13.7K | Citi AAdvantage WEMC $14K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | NFCU cashRewards $3K | NFCU More Rewards AMEX $33K | NFCU Flagship VS $15K
Apple Card WEMC $6K | Macy's AMEX $4.5K | PenFed Power Cash Rewards VS $7.5K

TCL - $194K+ | Rebuilding since April 2018
Message 3 of 10
Established Contributor

Re: Synchrony/Buckle Card Approval - $250

Isn't Buckle a Comenity card?

Message 4 of 10
Community Leader
Super Contributor

Re: Synchrony/Buckle Card Approval - $250

@CreditContractor wrote:

Isn't Buckle a Comenity card?

@CreditContractor , yes it is. 


Congrats to you OP, and welcome! 

My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 5 of 10
Senior Contributor

Re: Synchrony/Buckle Card Approval - $250


Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores

Message 6 of 10
Established Contributor

Re: Synchrony/Buckle Card Approval - $250

Was the approval a pop-up ad while you were shopping?

Message 7 of 10
New Contributor

Re: Synchrony/Buckle Card Approval - $250

Congrats on your approval! 

Your EQ stats are giving me serious hope and inspiration, I've been reclutant to apply for anything else lol.

I want apply for Macys and Walmart in a few months Smiley Very Happy 

Starting: 2/2019

Current 8/2019

Current Cards:

Dream Accounts:
Message 8 of 10
Established Contributor

Re: Synchrony/Buckle Card Approval - $250

Welcome to MyFICO. According to your stats, you look  to be heading nowhere but up. 


Congrats on your new card!!!


Goal Cards

Message 9 of 10
Valued Member

Re: Synchrony/Buckle Card Approval - $250



Comenity has been very generous to me with credit limits. Anyone feel free to correct me if I'm wrong, but might I suggest once you lower your utilization, try requesting a CLI?


I've opened a few accounts with comenity through the shopping cart trick, and the instant pre-approval turned out to be nowhere near the limits they gave me when I requested an increase immediately after being approved. This may be the case for you as well, and would certainly help buffer your utilization as long as you keep the credit available.

FICO 8: 6/13/2019 - 10.5%
Message 10 of 10
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