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Issuers that have canceled on me/ones that haven’t

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Super Contributor

Re: Issuers that have canceled on me/ones that haven’t

I likely misread something but didn't you just have the BofA card closed? With so many threads it's difficult to sort through your recent experience.  

You have a card at $60k limit? That's awesome in normal times but an easy "tall stalk" in a time of Covid for algorithms to focus in on your profile as risky. I would be surprised if that $60k limit card, even if not utilized, weren't a magnet for AA 

 

Maybe it's been discussed elsewhere but are you rebuilding? If so, rebuilding from what? If there is something is it still on your reports?

 

Truly sorry to hear about the AA, it is never pleasant. 

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
Message 11 of 18
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Valued Contributor

Re: Issuers that have canceled on me/ones that haven’t

You forgot to list Synchrony with cards that have shut you down. 

 

OP, while you have a great attitude about the AA you have been going through maybe you should be more concerned about why 60% of the lenders you have, have taken AA of some kind against you (even if you got it reversed) as this is not normal and none of the information you have shared about your profile explains why so many lenders are viewing your profile as risky.

Scores hover around 800
Haven't been AZEO in over a year
Rome was not built in a day, neither is a good credit profile
Message 12 of 18
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Established Contributor

Re: Synchrony only one who wouldn't budge

You're posting in so many threads it's making it difficult to follow your story.  









Message 13 of 18
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Established Contributor

Re: Synchrony only one who wouldn't budge


@recoveringfrombk7 wrote:

You're posting in so many threads it's making it difficult to follow your story.  


...and you're the only poster (at least that I've seen) that's reporting such widespread AA, regardless of if you've miraculously persuaded half of your lenders to reconsider. In this instance, this isn't a Sync problem.

Personal Credit -
AMEX: Platinum, Gold, Blue Cash Preferred, Schwab Investor
PNC: Cash Rewards, Points
NFCU: Flaghship Rewards, Cash Rewards, More Rewards, CLOC
PSECU: Founders
BB&T: Spectrum Cash Rewards
CapOne: Quicksilver
Discover: IT Chrome, IT
Synchrony: PayPal 2%, PayPal Credit
Barclays: Uber
PenFed: Power Cash Rewards
Alliant: Visa Signature
Store Cards: Target, Macy’s
AU Cards: Citi Rewards+

Business Credit-
AMEX: Delta Gold, Amazon Prime, Simply Cash Plus
PNC: Visa Business
Message 14 of 18
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Community Leader
Super Contributor

Re: Synchrony only one who wouldn't budge

Play nice, everyone

Message 15 of 18
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New Contributor

Re: Synchrony only one who wouldn't budge


I apologize , I shouldn't have gotten so defensive 
@recoveringfrombk7 wrote:

You're posting in so many threads it's making it difficult to follow your story.  


Message 16 of 18
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New Contributor

Re: Synchrony only one who wouldn't budge


@CreditSweeper wrote:

@recoveringfrombk7 wrote:

You're posting in so many threads it's making it difficult to follow your story.  


...and you're the only poster (at least that I've seen) that's reporting such widespread AA, regardless of if you've miraculously persuaded half of your lenders to reconsider. In this instance, this isn't a Sync problem.


Apology to you too, I shouldn't be so defensive. Wasn't bashing synchrony just pointing out they seem stricter than most at least my experience 

Message 17 of 18
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Moderator

Re: Synchrony only one who wouldn't budge

@Caddypower  please avoid cross posting on the same topic. 

 

Multiple posts (and some collateral damage ones) were removed. 

If anyone needs a refresher course, it can be found here  

 

 

Message 18 of 18
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