Rooms To Go Synchrony bank CLI

[Anonymous]

Might be a dumb question, but since it’s backed by Synchrony Financial isn’t it usually a HP?

[Anonymous]

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@Anonymous wrote:
Might be a dumb question, but since it’s backed by Synchrony Financial isn’t it usually a HP?

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Sync is a SP w/ exception of 1-2 cards in which it tends to be a HP.  Doesn't hurt to ask before letting them pull your report thoguh to be sure.

[soxfaininfl]

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@Anonymous wrote:
Might be a dumb question, but since it’s backed by Synchrony Financial isn’t it usually a HP?

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I have a subscription to Experian and myFico, and I haven't got a notification of a hard inquiry. When it's a HP I get the notification immediately. 

[MrCreditInternational]

Try paying the whole thing then ask. It's usually hard for any lender to give you a CLI before you PIF at least once

[CreditInspired]

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@soxfaininfl wrote:
Hi Everyone,

I opened an account with them a couple of months ago for the 0% interest for 3 years. They gave me a 2,500 SCL. My couch set cost 1,900, so I’m at a 79% UTI. I obviously want to be under 30% UTI. I’m gonna request a CLI. Are they HP or SP for CLI’s?

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Even with 0% interest for 3 years, get  that UT down to <28.9% before asking for a CLI. Make  huge min payments (5-10X) for 6 months. Doing these 2 things will improve your approval odds immensely. 

[CreditInspired]

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@soxfaininfl wrote:
My first payment isn’t due till the end of this month. We made the purchase on Labor Day, but they didn’t deliver the furniture until 10/16. ThanKs for the advice Jnbmom! I will wait into the account is 6 months old.

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New card, no history on card, almost max UT on card, and no payment yet on card🤔. Yep, this is a recipe for a decline this early in the game.