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Rooms To Go Synchrony bank CLI

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Valued Contributor

Re: Rooms To Go Synchrony bank CLI

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



Message 11 of 16
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Valued Contributor

Re: Rooms To Go Synchrony bank CLI


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

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.

500K+ TCL / 800+ FCOs
Message 12 of 16
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Frequent Contributor

Re: Rooms To Go Synchrony bank CLI


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

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. 









Message 13 of 16
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Frequent Contributor

Re: Rooms To Go Synchrony bank CLI

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

Amex Platinum (NPSL); Amex Gold (NPSL); Amex Green (NPSL); HH Surpass (36.6k); Amex BBP (27k); Macy's Store (25k); B&H Payboo (25k); PNC CR (17.5k); HSBC Premier WEMC (14.5k); Amazon Store (10k); PNC Premier Traveler (9.5k); HSBC Advance (7.5k); Rakuten Visa (5k); Nordstrom Store (4k); Discover It (3k); Citi AA Platinum (2.5k); Apple Card (2.5k); Delta Platinum (1.4k); Charles Schwab Investor (1k); Amex Everyday (1k); BofA CR (1k); Citi TYP (1k)
Started collecting cards: Oct/2018
Inquiries: EX (27); TU (30); EQ (18)
Message 14 of 16
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Community Leader
Super Contributor

Re: Rooms To Go Synchrony bank CLI


@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?

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. 



DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| NFCU CashRewards $30K || AmX Cash Magnet $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || AmX ED $11.5K ||
Message 15 of 16
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Community Leader
Super Contributor

Re: Rooms To Go Synchrony bank CLI


@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.

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. 



DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| NFCU CashRewards $30K || AmX Cash Magnet $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || AmX ED $11.5K ||
Message 16 of 16
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