Google Financing/Credit Card

[Charmante]

I'm REALLY wanting thins account -- I do a LOT of In App Purchases AND Google Pay transactions.

1) Can I use it to send money to other people through Google Pay?

2) Does anyone in here HAVE IT? Do you like it?

3) I'm sitting with about a 690-710 credit score -- 3 total accounts on file. 1) 11 year old TD Bank Toshiba account @ $4,500 CL & 0% utl; 2) 2 year old Capital One QS MC @ $400 CL & 60% utl; 3) 4 Month old Macy's Store Card @ $15,000 CL & 1% utl...

Total utl. <3%

Inq. 1-3 each bureau. Avg of 2 each.

Income is $75,000 annually solo or $250,000 annually household.

Do I have a good shot?

Any idea what my limit may be?

Also WHERE DO I APPLY? I can't figure it out... I found an Apply button but it won't load... Link me please?

Note: This is not for myself, but for my spouse.

[Anonymous]

The Google Store card is from Synchrony. From what I can tell, the only benefits are interest-free purchases of Google-branded hardware.

[TSlop]

I have it. I opened it up when I applied for 0% financing on a phone. I've used it twice so far for phones and once on a purchase of a phone case. For the former, I love it, since some purchases I rather pay over time at 0% than pay upfront and get cashback. I would have used a regular credit card for the phone case, but I had like $3 leftover from a Google credit and I decided to just pay with that account since the information was already there.

I couldn't tell you what scores they are looking for, unfortunately. I'm also not sure what else you can use the account for besides Google phones and accessories. I applied during the purchase transaction of my previous phone. My current limit is $2,700, and I don't know if it was lower when starting it; it wasn't something I cared about back then and all I cared about was getting 0% financing. I wasn't even aware it was credit account since I thought it would only be open for my phone and be like a mini loan. That and Dell cost me 5/25 slots.... oh well.

I'm hoping Google comes out with a credit card someday like Apple. There are rumors about a Google debit card, but I'd prefer credit, personally.

[Harvey26]

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@Charmante wrote:

I'm REALLY wanting thins account -- I do a LOT of In App Purchases AND Google Pay transactions.

1) Can I use it to send money to other people through Google Pay?

2) Does anyone in here HAVE IT? Do you like it?

3) I'm sitting with about a 690-710 credit score -- 3 total accounts on file. 1) 11 year old TD Bank Toshiba account @ $4,500 CL & 0% utl; 2) 2 year old Capital One QS MC @ $400 CL & 60% utl; 3) 4 Month old Macy's Store Card @ $15,000 CL & 1% utl...

Total utl. <3%

Inq. 1-3 each bureau. Avg of 2 each.

Income is $75,000 annually solo or $250,000 annually household.

Do I have a good shot?

Any idea what my limit may be?

Also WHERE DO I APPLY? I can't figure it out... I found an Apply button but it won't load... Link me please?

Note: This is not for myself, but for my spouse.

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I mean any reason why spouse wouldnt want to get like a discover , amex or chase card. I mean seems a little silly too me and you can only use it for promotional purchases for google hardware i think with those scores and income could easily get a 5K SL or high with any of those banks.

[Anonymous]

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@Harvey26 wrote:

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@Charmante wrote:

I'm REALLY wanting thins account -- I do a LOT of In App Purchases AND Google Pay transactions.

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I mean any reason why spouse wouldnt want to get like a discover , amex or chase card. I mean seems a little silly too me and you can only use it for promotional purchases for google hardware i think with those scores and income could easily get a 5K SL or high with any of those banks.

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Right, this card doesn't seem to do what you want.

For Google Play, probably better to buy Google Play gift cards at a supermarket with a suitable credit card to get a discount (assuming we aren't talking huge amounts on Google Play!)  For good rewards on Google Pay, the Altitude Reward earns 3% (or 4.5% for travel) on all mobile wallet payments.

[ToxikPH]

Is the financing option on the Google store listed on your credit report as a credit card or as a "consumer financing account" like Samsung Financing? In the fine print I see that it says "Google Store Financing credit card account" which leads me to believe it's a credit card. I'm really interested in getting the new Pixel 5 along with some Nest products and want to make sure it won't hurt me in the long term as a CFA would.

[Anonymous]

Google Store Financing is a Synchrony Bank store card. 

[TSlop]

I'm not sure if it is listed differently in my actual credit report, but Chase's Credit Journey lists it as a "revolving charge account".

[Anonymous]

I tend to stay away from any products that have "Financing" built into their name, it just reminds me of all those old time Loan Shark type lenders. 

[Anonymous]

In this case it's just a store card, not a consumer financing account, so will a big enough purchase(I don't think even that big) will get the zero percent APR, and a credit line likely bigger then their purchase.

I don't think they give particular big credit lines though, probably just given the likelihood of fraud for those requesting a bigger credit line.