Synchrony Car Care - myFICO® Forums - 5389284

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Needed some new tires, I have the money to pay for it now, but wanted to see if Synch would finally show me some love.

So I took the leap, even though I'm in rebuild mode, to my surprise instant approval with an SL $1200.

Data points

-Utilization 3%

-EX FICO 8 628

-Collections 2 Medical-unpaid from 2017

-2 paid CO from 2015 on report

-HP =7 , 4 -2018, 3-2016

Starting Fico (6/29/18):EX 610, TU 595, EQ 603
Fico (9/1/18):EX 620, TU 599,EQ 631
(10-1-18) EX 630, TU 607, EQ 641
Goal: 670(Jan'19)

,

Message 1 of 4

3 REPLIES 3

Bank of America Cash Rewards Visa Signature : 8/17 : $11.2K APR 18.99%

SYNCB - Amazon Prime Store Card : 9/17 : $5K APR 28.24%

Synchrony Car Care : 9/17 APR 29.99%: $2.5K

Synchrony - Conoco : 9/17 : $1.55K APR 29.24%

Discover It : 10/17 : $4.1K APR 20.24%

American Express Everyday Cash : 7/18 : $20K APR 18.74%

Citi Bank Double Cash World Elite MasterCard : 8/18 : $6.5K APR 3.99%

NFCU : 9/18 : $1K APR 13.99%

PenFed : 9/18 : OLOC $500

NFCU Flagship Rewards Signature Visa : 11/18 : $25K APR 9.99%

Chase Sapphire Preferred Visa Signature : 10/19 : $8.2K APR 19.99%

PenFed Gold Visa Signature : 03/20 : $7.5K APR 16.49%

Bank of America Amtrak Guest Rewards Platinum Mastercard : 11/20 : $8K APR 18.99%

Synchrony Bank - CareCredit: 12/20 : $4K APR 26.99%

Synchrony Bank - Lowes: 7/21 : $7K APR 25.99%

Chase Freedom Unlimited Visa Signature : 10/21 : $12.3K APR 19.99%

NFCU : 08/21 : Subaru Used Car Loan

U.S. Bank Cash+ Visa Signature

Chase Freedom Flex

Chase Southwest Airlines Rapid Rewards Priority Visa Signature

Amazon Prime Rewards Visa Signature

USAA Preferred Cash Rewards Visa Signature Card

Graph of Days Until Next Spade

Garden Goal Chart

Garden Club Spade

Your FICO credit scores are not just numbers, it’s a skill.

Message 2 of 4

Congrats!

Message 3 of 4

Congratulations on your approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:

AMEX Delta SkyMiles Reserve | $2,800 | February 2019

AMEX Marriott Bonvoy Brilliant | $3,100 | August 2019

BOA BankAmericard AU | $4,500 | May 2004

Citi CostCo Anywhere Visa | $4,780 | March 2020

Citi Macy's Star Rewards | $11,100 | September 2021

Comenity Overstock | $7,100 | August 2018

Goldman Sachs Apple Card | $6,000 | March 2020

NFCU Flagship | $10,500 | August 2018

Synchrony CareCredit | $12,000 | October 2018

Synchrony Lowe's Advantage | $5,000 | March 2020

Audi e-tron - Audi Financial | $85K/72mo/3.24% | March 2022

Message 4 of 4