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UPDATE:$16000 Synovus cash rewards approval.

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

UPDATE:$16000 Synovus cash rewards approval.

In a nut shell:
 
- Went into a branch
- ID verified but needed to verify current address since its different from what I have on my DL. Left the branch.
- Emailed the bank rep with copies of my bank statement from another bank as proof of current address.
- Received a phone from bank rep requesting permisson to go ahead and process the application for me over the phone. I agreed.
- Asked for basic credit card app information. name,job information, mothers maiden name, income amount etc
- Came back as approved but she couldnt see 
 
I have to go into the bank later to sign a few documents relating to the app and Im hoping they'll have a SL for me then.
Ive heard that they pull EQ which is my highest FICO 8 score so  I'm expecting a reasonably high SL as a result.
 
I'll provide an update later once I have all the details.
 
UPDATE (03/19/2019) - They want me to bring in my DL, SS card, proof of address and a paystub. The CSR who's been processing my app said it might have something to do with the fraud alert I had on my EX and EQ files  when I applied. According to them, the status of the account is currently 'SUSPENDED' until they can verify my information. Still no SL.

UPDATE: 03/22/2019 - SL is $16,000
FICO 8 - 03/2019 - EX: 558 | EQ: 763 | TU: 558
Cap1 QuickSilver one | NFCU cashRewards | Discover chrome(secured) | Synovus cash rewards
Message 1 of 8
7 REPLIES 7
Community Leader
Super Contributor

Re: Synovus cash rewards approval.

Congratulations on your approval

FICO 08 Scores (Mar-19): TU 808, EQ 795, EX 787

Message 2 of 8
Established Contributor

Re: Synovus cash rewards approval.

Congratulations! Somebody else recently got a great SL on this one. Hopefully you have the same luck! 

Amex BCE: 18k
Discover It: 17.2k
Citi DC: 4.7k
BBVA Compass ClearPoints: 4k
US Bank Cash +: 1k
Capital One SavorOne: 1k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 3 of 8
Established Contributor

Re: Synovus cash rewards approval.

Congratulations!


Message 4 of 8
Senior Contributor

Re: Synovus cash rewards approval.

Congrats on your approval !!!!

 

 

3-2019 / Fico 8 EX 802 , EQ 803 , TR 805
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 5 of 8
Established Contributor

Re: Synovus cash rewards approval.


@MonoP0ly wrote:

In a nut shell:

 

- Went into a branch

- ID verified but needed to verify current address since its different from what I have on my DL. Left the branch.

- Emailed the bank rep with copies of my bank statement from another bank as proof of current address.

- Received a phone from bank rep requesting permisson to go ahead and process the application for me over the phone. I agreed.

- Asked for basic credit card app information. name,job information, mothers maiden name, income amount etc

- Came back as approved but she couldnt see 

 

I have to go into the bank later to sign a few documents relating to the app and Im hoping they'll have a SL for me then.

Ive heard that they pull EQ which is my highest FICO 8 score so  I'm expecting a reasonably high SL as a result.

 

I'll provide an update later once I have all the details.


Another victim falls prey to the Synovus Spell! Smiley Very Happy

 

Nice Snag and Congrats on the Approval! your EQ F8 is just 1 point lower than mine so you could get similar results. There aren't many data points on this bank (at least from the last 12 months) so when you find out let us know -- I'm a huge data nerd when it comes to this stuff Smiley LOL

 

What's keeping your EX/TU scores so much lower than your EQ? Do you have a split EQ profile or maybe a public record on the other two that EQ doesn't have? I had an EQ split profile a few years ago and had wide margins like that, but looks like your EQ is working to your favor. 

Message 6 of 8
Established Contributor

Re: Synovus cash rewards approval.

YOU...

awesome congratulations GIF by Slanted StudiosCONGRATS on the Approval!!!

AMEX BCE $4K | AMEX Cash Magnet $15K | BBVA Compass Rewards VS $7K | Citi AAdvantage WEMC $11K | Discover It $15.5K | OpenSky $300 Synchrony (PayPal Credit $3K, Care Credit $15K, & PayPal 2% MC $8K) | Rebuilding since April 2018





Message 7 of 8
Valued Contributor

Re: Synovus cash rewards approval.

Congratulations on your approval!

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

Current Scores



Message 8 of 8