cancel
Showing results for 
Search instead for 
Did you mean: 

Synovus Cash Rewards $20,000!!!

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Valued Contributor

Re: Synovus Cash Rewards $15,000!!!


@pinkandgrey wrote:

Fantastic SL and APR! Mahraja, I think this one’s calling you....


Thanks @KingPredator & @pinkandgrey!

 

@Mahraja would probably walk away with a $50,000 SL with Synovus and put us all to shame Smiley Very Happy

MAY 19 --- (FICO 8) EQ 764, EX 765, TU 785 --- (FICO 9) EQ 797, EX 798, TU 800
Message 31 of 52
Established Contributor

Re: Synovus Cash Rewards $20,000!!!

Congrats on that sweet CL, and your other approvals!!!











Current

Goal Cards

Message 32 of 52
Frequent Contributor

Re: Synovus Cash Rewards $20,000!!!

Wow!!! Awesome mega spree!!! 🥂
Message 33 of 52
Senior Contributor

Re: Synovus Cash Rewards $20,000!!!

That’s a killer approval! Huge congrats!


Scores 1/2019:
Scores 7/2019:

Hover over my cards to see my limits!
Goal cards:
Message 34 of 52
Highlighted
Valued Contributor

Re: Synovus Cash Rewards $20,000!!!

Great job!! Congrats on your success!!

American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Pier 1(22k) Amex BCP(18k) Overstock (19.6K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.4k)Venture WMC (10.25k) Amex Everyday (10k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(9.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (4.5k✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until Aug 2020

FICO 8 Scores EX 703(10) EQ 711(9)TU 708(10)
AAOA 3.8yrs TCL=329,100
Message 35 of 52
New Contributor

Re: Synovus Cash Rewards $20,000!!!

Congrats on the approval! Any idea what the minimum score is to qualify? I have the established income (six figures) but I'm still rebuilding:

  • 3/11/19 - EQ: 656 (up 32 pts. from 624)
  • 3/14/19 - EX: 643 (up  64 pts. from 579)
  • 3/10/19 - TU: 660 (up 72 pts. from 588)

 

Starting FICO 8 Score: 2/12/19 EQ579, TU 588, EX 624
Current Score: 5/13/19 EQ671, TU 668, EX 642
Goal Score: 700+ by June 2019


Take the myFICO Fitness Challenge
Message 36 of 52
New Contributor

Re: Synovus Cash Rewards $20,000!!!

Hello. I'm curious to know how you got the red/blue bar at the bottom of your signature?

Starting FICO 8 Score: 2/12/19 EQ579, TU 588, EX 624
Current Score: 5/13/19 EQ671, TU 668, EX 642
Goal Score: 700+ by June 2019


Take the myFICO Fitness Challenge
Message 37 of 52
Moderator

Re: Synovus Cash Rewards $20,000!!!


@Credit_Mama wrote:

Congrats on the approval! Any idea what the minimum score is to qualify? I have the established income (six figures) but I'm still rebuilding:

  • 3/11/19 - EQ: 656 (up 32 pts. from 624)
  • 3/14/19 - EX: 643 (up  64 pts. from 579)
  • 3/10/19 - TU: 660 (up 72 pts. from 588)

 


I think it is around 680 EQ, but personally I would wait till around 700ish.. Income only play a small factor on approval SL and APR people with lower incomes can have decent to big CL's if their scores and profile are well seasoned and their DTI is low.  So if you are within their area of operation then get your scores up another 40 points approx then go for it.  40 points can be obtained quicker than you might imagine and the time will come quickly if done right.

Chase | Citibank | Amex | BofA | PenFed | NFCU | Discover | 5/3rd | Synovus | Commerce | FNBO | Union Bank
Message 38 of 52
New Contributor

Re: Synovus Cash Rewards $20,000!!!

Thanks for the encouragement and advice! My DTI is high 43% but I just started "renting" this past year so I can "sell" my home and unload $213K in debt which will bring my DTI down to 22%. I've been surprised at how much my score has jumped in just 1 month...highest jump was 72 points with TransUnion to 660 (from 588). I will have to continue waiting it out! I actually have little to no credit card debt but I have large student loan debt ($201K) and mortgage debt ($212K)! And most recently I added 1 car note $25K. 

 

I am reestablishing credit so far with FingerHut ($300 limit), Secured BoA card ($500 limit) and I signed up for a certificate of deposit with Self Lender for $1K.

Starting FICO 8 Score: 2/12/19 EQ579, TU 588, EX 624
Current Score: 5/13/19 EQ671, TU 668, EX 642
Goal Score: 700+ by June 2019


Take the myFICO Fitness Challenge
Message 39 of 52
New Contributor

Re: Synovus Cash Rewards $20,000!!!

How do you add all those fancy trackers at the bottom of your post? I've been trying to understand how "rank" works around here since I'm a newbie Smiley Happy I'm very much motivated by numbers so I'd like to add one to my profile sooner than later. Any advice?

Starting FICO 8 Score: 2/12/19 EQ579, TU 588, EX 624
Current Score: 5/13/19 EQ671, TU 668, EX 642
Goal Score: 700+ by June 2019


Take the myFICO Fitness Challenge
Message 40 of 52