Master Synchrony Account Closure Thread

[simplynoir]

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@FinStar wrote:

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@simplynoir wrote:

While not a closure it might as well be

Received credit alert earlier today on Sync lowering the credit limit of my JCPenney card from $10k to $500. I honestly don't remember the last time I used the card so no surprise really. I will use it for a small charge soon since it's tied for my oldest card I have in my portfolio and would like to keep it open as long as I can

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That's the typical inactivity CLD @simplynoir.  Use the CC for something nominal, PIF, and then reach out the Credit Solutions team to see about restoring the CL (or at least something reasonable).

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@FinStar  I'm actually not interested in getting the limit restored as long as the card stays open. Care more about the AoOA than anything else. Dunno when I last walked into a JCPenney assuming the one local here is still open

Any idea how long you can have inactivity before closure?

[FinStar]

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@simplynoir wrote:

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@FinStar wrote:

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@simplynoir wrote:

While not a closure it might as well be

Received credit alert earlier today on Sync lowering the credit limit of my JCPenney card from $10k to $500. I honestly don't remember the last time I used the card so no surprise really. I will use it for a small charge soon since it's tied for my oldest card I have in my portfolio and would like to keep it open as long as I can

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That's the typical inactivity CLD @simplynoir.  Use the CC for something nominal, PIF, and then reach out the Credit Solutions team to see about restoring the CL (or at least something reasonable).

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@FinStar  I'm actually not interested in getting the limit restored as long as the card stays open. Care more about the AoOA than anything else. Dunno when I last walked into a JCPenney assuming the one local here is still open

Any idea how long you can have inactivity before closure?

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It appears a variety of their CCs are now closing within a 6 month timeframe of inactivity, at least from DPs on this thread (besides the other mass closures).  That CLD is definitely a sign that it *could* be closed if no action is taken (we just don't know when), especially if you haven't used in ~12 months.  Just order something that you might use (online) to generate some activity, perhaps a GC to use in the future.

[Remedios]

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@simplynoir wrote:

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@FinStar wrote:

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@simplynoir wrote:

While not a closure it might as well be

Received credit alert earlier today on Sync lowering the credit limit of my JCPenney card from $10k to $500. I honestly don't remember the last time I used the card so no surprise really. I will use it for a small charge soon since it's tied for my oldest card I have in my portfolio and would like to keep it open as long as I can

---

That's the typical inactivity CLD @simplynoir.  Use the CC for something nominal, PIF, and then reach out the Credit Solutions team to see about restoring the CL (or at least something reasonable).

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@FinStar  I'm actually not interested in getting the limit restored as long as the card stays open. Care more about the AoOA than anything else. Dunno when I last walked into a JCPenney assuming the one local here is still open

Any idea how long you can have inactivity before closure?

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Do they sell 🦦🦦🦦? 

[FinStar]

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@Remedios wrote:

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@simplynoir wrote:

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@FinStar wrote:

---

@simplynoir wrote:

While not a closure it might as well be

Received credit alert earlier today on Sync lowering the credit limit of my JCPenney card from $10k to $500. I honestly don't remember the last time I used the card so no surprise really. I will use it for a small charge soon since it's tied for my oldest card I have in my portfolio and would like to keep it open as long as I can

---

That's the typical inactivity CLD @simplynoir.  Use the CC for something nominal, PIF, and then reach out the Credit Solutions team to see about restoring the CL (or at least something reasonable).

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@FinStar  I'm actually not interested in getting the limit restored as long as the card stays open. Care more about the AoOA than anything else. Dunno when I last walked into a JCPenney assuming the one local here is still open

Any idea how long you can have inactivity before closure?

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Do they sell 🦦🦦🦦? 

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I'm not sure, but I know they sell 🧹🧹🧹

❤️

They may also have ⌨️ and 🍼 as well as 🌏 just in case.

[simplynoir]

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@Remedios wrote:

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@simplynoir wrote:

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@FinStar wrote:

---

@simplynoir wrote:

While not a closure it might as well be

Received credit alert earlier today on Sync lowering the credit limit of my JCPenney card from $10k to $500. I honestly don't remember the last time I used the card so no surprise really. I will use it for a small charge soon since it's tied for my oldest card I have in my portfolio and would like to keep it open as long as I can

---

That's the typical inactivity CLD @simplynoir.  Use the CC for something nominal, PIF, and then reach out the Credit Solutions team to see about restoring the CL (or at least something reasonable).

---

@FinStar  I'm actually not interested in getting the limit restored as long as the card stays open. Care more about the AoOA than anything else. Dunno when I last walked into a JCPenney assuming the one local here is still open

Any idea how long you can have inactivity before closure?

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Do they sell 🦦🦦🦦? 

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https://www.jcpenney.com/p/fisher-price-linkimals-a-to-z-otter/ppr5007861367?pTmplType=regular&catId...

They used to sell otter plushies but not anymore ☹️

[FinStar]

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@simplynoir wrote:

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@Remedios wrote:

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@simplynoir wrote:

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@FinStar wrote:

---

@simplynoir wrote:

While not a closure it might as well be

Received credit alert earlier today on Sync lowering the credit limit of my JCPenney card from $10k to $500. I honestly don't remember the last time I used the card so no surprise really. I will use it for a small charge soon since it's tied for my oldest card I have in my portfolio and would like to keep it open as long as I can

---

That's the typical inactivity CLD @simplynoir.  Use the CC for something nominal, PIF, and then reach out the Credit Solutions team to see about restoring the CL (or at least something reasonable).

---

@FinStar  I'm actually not interested in getting the limit restored as long as the card stays open. Care more about the AoOA than anything else. Dunno when I last walked into a JCPenney assuming the one local here is still open

Any idea how long you can have inactivity before closure?

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Do they sell 🦦🦦🦦? 

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https://www.jcpenney.com/p/fisher-price-linkimals-a-to-z-otter/ppr5007861367?pTmplType=regular&catId...

They used to sell otter plushies but not anymore ☹️

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And, sadly, no 🦦🦦🦦 garanimals either 🥺

[Anonymous]

@Credit12Fico  @FinStar 

I called Synchrony and they told me this is due to CLI request. and there is no way to re-open to the accounts even some of them. so I wonder if someone in this situation has already tried any options to get the accounts reopened by any chance?

[Anonymous]

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@Anonymous wrote:

@Credit12Fico  @FinStar 

I called Synchrony and they told me this is due to CLI request. and there is no way to re-open to the accounts even some of them. so I wonder if someone in this situation has already tried any options to get the accounts reopened by any chance?

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There's unfortunately no way to get them to reverse their decision. 

[FinStar]

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@Anonymous wrote:

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@Anonymous wrote:

@Credit12Fico  @FinStar 

I called Synchrony and they told me this is due to CLI request. and there is no way to re-open to the accounts even some of them. so I wonder if someone in this situation has already tried any options to get the accounts reopened by any chance?

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There's unfortunately no way to get them to reverse their decision. 

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Correct.  SYNCB and Comenity Bank pretty much share the same (unfortunate) results with regard to [AA] account closures - decisions are irreversible.

@Anonymous - if you want to potentially re-establish the SYNCB relationship, you'd have to reapply.   Let the dust settle and give it about 60-90 days if you wish to do so.  But, I would recommend being selective on the account choices and definitely no frequent CLI requests.

[Anonymous]

@FinStar 

This is the point exactly. With Synchrony it has to be limited number of accounts/Credit Cards Say 3 to 4 and not too many CLIs. of course it does not guarrantee to protect your account with them since they have some made-up rules that are not necessarity the business best practice at all, so they might come up with something new to close the accounts.