Is there any relationship between the different Synchrony store cards? Obviously, I know the different stores that use Synchrony are not connected financially etc. But, what I mean is if you have multiple cards backed by or processed through Synchrony, are there any similar practices etc in regards to being approved, CLI's etc? When I started rebuilding my credit a bit over a year ago, WalMart was one of the first cards I obtained. I had no idea about Synchrony and how they also managed or processed several other store cards. Anyway, when I was approved for WM, I was given a pathetically low $150 limit. At the time, where my scores were, I was happy to just get my foot in the door to be honest. At the time of approval, my TU FICO was 50 points lower than it is now. I recently asked for a CLI. I got denied, and received the letter in the mail:
Serious delinquicy, and public record or collection filed- Note, at the time I was approved for the WM card I had 4 negatives. At tthe time of my CLI denial, I have only 1 negative-the others have been deleted.
Length of time revoliving accounts have been established-Granted, I can understand this one somewhat. I do have other revolvers that I have opened from a year to about 6 months ago. However, I've never been late on any cards. My WM card, I have PIF, carried a balance, Ran lots of purchases through it and paid multiple times in a month, currently has zero balance.
Too few accounts paid as agreed-This is the one that hacks me off. As stated, I have the one neg which is a medical collection and almost three years old. I have a Discover IT, Barclays Rewards, Cap 1 QS, and a Buy power card. All paid as agrees, no negatives whatsoever. I have an Auto loan that is nearing it's end-zero lates, always paid as agrees. I'm also an AU on a Wells Fargo Plat and a Cap 1 Venture. Both paid as agrees, no lates at all.
Time since derogatory, public record or collection too short- As stated above, it is right at 3 years. If they have such a burr under their saddle about this one, why did they even approve me to begin with?
Now, here is where the question of the relationship between different Synchrony store cards. Recently I apped for an Amazon Store card and was instantly approved for $800. I'm a Prime member and while I dont spend a ton with Amazon, I do buy frequently. Does each store have different criteria they tell Synchrony to examine when doing approvals and approving CLI requests? Or, is that totally under Synchrony's purview? I know when I got approved for the Amazon card, they did a HP from TU. Looking at the WM CLI denial letter, it is also citing TU but the score is lower than what it currently shows. I know they did a SP or what I wonder is if they just have an outdated copy of my CR they are basing this decision on. Edited to add, I looked at the letter again it shows below the FICO that it was from July of this year. Would it be worthwhile to call them again and discuss these factors? Could they look in my Amazon file and use that latest HP from TU and maybe that would sway their decision?
I know to many, this is probably a non-isseue. It's a $150 card, just close it and to heck with WM. To me, it's just kind of the principle of the thing.
In closing, I know this is a wordy post and I apologize for that as well as any spelling errors. It's early, and I am still sleepy 
