cancel
Showing results for 
Search instead for 
Did you mean: 

Synchrony Old Navy Visa (Approved)

tag
chiefone4u
Established Contributor

Synchrony Old Navy Visa (Approved)

After having the store card for 15 months I noticed I was eligible for the visa version.

I knew it would report as a new trade line, but didn't realize the way it processed it appears I'll get to keep the store card (SL $6,000) and get a new Visa SL $800.00.

Not impressed with the limit on this "New" card... hoping it will grow quickly like my store cards have. This is my first and only major card issued by Synchrony.

With Walmart leaving to Cap1, this new card brings my Synchrony exposure back up to $76,800
Goodwill Saturation Technique
Starting Score: EQ:608, EX:617, TU:625
Current Score 3/11/2020: EQ:695, EX:703, TU:720
Goal Score: 740+
Take the myFICO Fitness Challenge
Discover IT $1000Cabelas Clasic $1000Coscto Anywhere Signature Visa -Citi- $7200ExxonMobil Smartcard -Citi- $2500Playstation Visa (Comenity) $1950QuickSilver One $2200Walmart $6000Wells Fargo Platinum Visa $3000
Member of the Synchrony Bank giveth then Taketh away April 2020 Club! $86,900 in available credit gone without warning.
Newest Account July 8, 2020 -- Last HP October 24, 2020 -- Gardening Goal: August 2022 and reach 0/24
Message 1 of 13
12 REPLIES 12
chiefone4u
Established Contributor

Re: Synchrony Old Navy Visa (Approved)

Should have mentioned they pulled TU

My TU Fico8 is 724
Goodwill Saturation Technique
Starting Score: EQ:608, EX:617, TU:625
Current Score 3/11/2020: EQ:695, EX:703, TU:720
Goal Score: 740+
Take the myFICO Fitness Challenge
Discover IT $1000Cabelas Clasic $1000Coscto Anywhere Signature Visa -Citi- $7200ExxonMobil Smartcard -Citi- $2500Playstation Visa (Comenity) $1950QuickSilver One $2200Walmart $6000Wells Fargo Platinum Visa $3000
Member of the Synchrony Bank giveth then Taketh away April 2020 Club! $86,900 in available credit gone without warning.
Newest Account July 8, 2020 -- Last HP October 24, 2020 -- Gardening Goal: August 2022 and reach 0/24
Message 2 of 13
Medic981
Valued Contributor

Re: Synchrony Old Navy Visa (Approved)



Congrats ! ! !







Your FICO credit scores are not just numbers, it’s a skill.
Message 3 of 13
Meanmchine
Super Contributor

Re: Synchrony Old Navy Visa (Approved)

Congrats on your new Old Navy Card. 

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 4 of 13
M_Smart007
Legendary Contributor

Re: Synchrony Old Navy Visa (Approved)

 

Grats on The Old Navy Visa

 

Message 5 of 13
bizarrocreditworld
Valued Contributor

Re: Synchrony Old Navy Visa (Approved)

Congratulations on the Old Navy Visa. I can tell you from personal experience that it will grow every 4-6 months, likely as follows:

 

$800 - $2400 - $7200 - $10,000 (unless you contact the Credit Solutions international number). Typically, Sync now allows you to get up to a 3x CLI at a time. 

 

It will also be easier to achieve Navyist status on the Visa than on the store card since you get at least 1 point per dollar spent on the Visa regardless of whether it's at an Old Navy store or not. You'll also get bonus points mailings on a regular basis, especially for groceries. 

No credit news is good credit news!
Message 6 of 13
Rebuild2019
Valued Contributor

Re: Synchrony Old Navy Visa (Approved)

Congratulations!!

CARDS: Discover It | Kohl’s | Truist Spectrum Cash Rewards | Truist Bright | CITI Custom Cash | Chase Freedom Flex | Chase Amazon Prime Visa | VACU Cash Rewards Mastercard | Sam’s Club Mastercard | PenFed Gold Visa | NFCU CashRewards | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | NFCU Auto Loan
Starting Scores 05/2019: EQ:519, EX:525, TU:574

CLOSED : Capital One Quicksilver One | OpenSky |
Message 7 of 13
chiefone4u
Established Contributor

Re: Synchrony Old Navy Visa (Approved)


@bizarrocreditworld wrote:

Congratulations on the Old Navy Visa. I can tell you from personal experience that it will grow every 4-6 months, likely as follows:

 

$800 - $2400 - $7200 - $10,000 (unless you contact the Credit Solutions international number). Typically, Sync now allows you to get up to a 3x CLI at a time. 

 

It will also be easier to achieve Navyist status on the Visa than on the store card since you get at least 1 point per dollar spent on the Visa regardless of whether it's at an Old Navy store or not. You'll also get bonus points mailings on a regular basis, especially for groceries. 


Thank you for the insight. I know Synchrony tends to be very generous with store card CLI's, but wasn't sure if they were as free with major's. 

Goodwill Saturation Technique
Starting Score: EQ:608, EX:617, TU:625
Current Score 3/11/2020: EQ:695, EX:703, TU:720
Goal Score: 740+
Take the myFICO Fitness Challenge
Discover IT $1000Cabelas Clasic $1000Coscto Anywhere Signature Visa -Citi- $7200ExxonMobil Smartcard -Citi- $2500Playstation Visa (Comenity) $1950QuickSilver One $2200Walmart $6000Wells Fargo Platinum Visa $3000
Member of the Synchrony Bank giveth then Taketh away April 2020 Club! $86,900 in available credit gone without warning.
Newest Account July 8, 2020 -- Last HP October 24, 2020 -- Gardening Goal: August 2022 and reach 0/24
Message 8 of 13
disney2
Regular Contributor

Re: Synchrony Old Navy Visa (Approved)

How did you see you were eligible for the Visa version? 

Message 9 of 13
chiefone4u
Established Contributor

Re: Synchrony Old Navy Visa (Approved)

There was a link under offer's while looking at my account. I don't look in that tab often, so have no idea how long it had been there-- but it's gone now.

I don't remember exact verbiage of the "offer"
Goodwill Saturation Technique
Starting Score: EQ:608, EX:617, TU:625
Current Score 3/11/2020: EQ:695, EX:703, TU:720
Goal Score: 740+
Take the myFICO Fitness Challenge
Discover IT $1000Cabelas Clasic $1000Coscto Anywhere Signature Visa -Citi- $7200ExxonMobil Smartcard -Citi- $2500Playstation Visa (Comenity) $1950QuickSilver One $2200Walmart $6000Wells Fargo Platinum Visa $3000
Member of the Synchrony Bank giveth then Taketh away April 2020 Club! $86,900 in available credit gone without warning.
Newest Account July 8, 2020 -- Last HP October 24, 2020 -- Gardening Goal: August 2022 and reach 0/24
Message 10 of 13
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.