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Venmo Credit Card - soft pull only?

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cashorcharge
Community Leader
Super Contributor

Re: Venmo Credit Card - soft pull only?


@youngandcreditwrthy wrote:

@cashorcharge  I've managed to get  a couple syncb cards this way. they do that ID verification thing then I go back and freeze. i get approved based off the soft pull. its a great thing!


That's great! I will admit....So many "Synchrony giveth and taketh away" stories from people.  With that in mind, I don't know that I could maintain enough spend to not get on their "taketh away" radar.  Anytime you can secure a SP approval...that's an ABSOLUTE win in my book.

Message 11 of 19
pizzadude
Credit Mentor

Re: Venmo Credit Card - soft pull only?

Congrats on the SP Approval !! Smiley Very Happy

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 12 of 19
TyrannicalDuncery3
Frequent Contributor

Re: Venmo Credit Card - soft pull only?

Amazing discovery!!! This reminds me of that movie "Drunken Master." Well done.

Have:
Want:
Can't have:
Message 13 of 19
breakman7997
Established Member

Re: Venmo Credit Card - soft pull only?

Just a word to the wise. I had 11 accounts with them. All in good standing, most with a zero balance. Cards like Care credit, PayPal, Guitar Center, JC Penney MC, Crate and Barrel and some others. Well a few months ago I logged in and clicked on the credit limit increase for PayPal (which was approved for a 2K CLI) and two other accounts. During Hurricane Milton I logged in to see that they closed all of my accounts! I talked to corporate, all they said was "increased risk" when I know it was due to the credit increase requests. They saw how much credit I had with them and they shut them all down. Just an FYI 



Buyer Beware of Synchrony. 

USAA Preferred Rewards - 7500.00 | USAA Rewards - 7000.00 | FNBO Cash Rewards - 6800.00 | USAA Rate Advantage - 5500.00 | BB&T Spectrum Cash Rewards - 3500.00 | Upgrade Card - 3000 | Guitar Center - 3000 | Mercury Mastercard - 2750 | Capital One (QS) - 2750 | Best Buy Visa Card - 2000 | Upgrade Triple Rewards - 2000 | Citi Rewards - 2000 | Ollo Card - 2000 | First Savings Credit Card - 1500 | Home Depot - 1500 | Aspire - 1500 | Merrick Bank - 1400 | Avant - 1250 | Google - 1200 | Credit One - 1000 | Capital One Venture - 1000 | Rooms to Go - 1000 | Jasper Card - 1000 | Amex Delta Sky Miles - 1000 | Goodyear - 800 | Capital One Walmart - 550 | Citi Simplicity - 500 | Capital One Platinum - 500 | Target - 500 | USAA Secured Card - 250 | WaWa Gas Card - 200
Message 14 of 19
CreditAggie
Community Leader
Super Contributor

Re: Venmo Credit Card - soft pull only?

Congratulations on your Venmo approval!

 

Did your limit stick when you received the card?

Current Cards (in order of approval):


         
Current FICO 8 | 9 (July 2026):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 15 of 19
NoMoreDebt
Senior Contributor

Re: Venmo Credit Card - soft pull only?

Congrats

AMEX CHARLES SCHWAB PLATINUM NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $20000 CL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL
Message 16 of 19
Ontherise2020
Frequent Contributor

Re: Venmo Credit Card - soft pull only?

Congrats on your approval

FICO Scores:
EX 760
TU 771
EQ 773
FICO 9 784
Message 17 of 19
gilbertlok
Established Member

Re: Venmo Credit Card - soft pull only?

Is it a soft pull then a offer, which in that case you accept you will get hard inquiry or you will get a hard inquiry regardless the limit ?

 

Sorta like what apple card does, offers a limit and if accepted then a hard pull.

Message 18 of 19
gilbertlok
Established Member

Re: Venmo Credit Card - soft pull only?

Is it a soft pull then a offer, which in that case you accept you will get hard inquiry or you will get a hard inquiry regardless the limit ?

 

 

 

Sorta like what apple card does, offers a limit and if accepted then a hard pull.

Message 19 of 19
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