Sorry Op about your current state. Glad you and the family are ok. Sometimes things happen we cant control and you're right, a late payment happens and it really isnt the end of the world or credit. I normally associate Credit Solutions more on getting cli than fixing credit concerns but of course i may be wrong. I would rhink the best number to call would be on the back of your Gap card.
Synchrony has become a very sensitive beast to tame this past year. I know that having a couple cards with them can sometimes be problematic, not always though. I myself have a few. But 15 with the same bank has the earmarking that if something goes wrong with 1 card, it tends to shift focas on whole profile. Now, i come from very modest means, lets just say im at the bottom of the totem pole lol, but $490 bucks is alot for me. But if your 1 card has that balanced and is maxed but you have over 50k in credit limits with little or few balances, overall, shouldnt be that bad. Just try to pay it down fastest way you can . Who know maybe theyll reinstate the limit. Id not judt close it and move on. Any details you can provide on tour scores etc. Perhaps we can give some more helpful tips on bettering your credit. Im still learning myself but even though getting big limits on Sync retail accounts can sometimes be taken with a grain of salt, i do know that overall they wont just give out 5k plus limits on every card if you are not doing something righr. Many times cli is related to your fico score and i judt cant see someone with a below 620 getting multiple 5k limits.
I know sometimes we only want direct answers when posting questions but on this great forum i find 95% of the time, people rally want to help you, there will always be a bad egg or two, but given time. We get rid of those
. Ita not easy but just remember the positives, you're ok, you did get the late fee waived, and you still have those other 15 cards. Sync can always send out the blue envelope so i always try to keep my Sync balances low for that very same reason. Perhaps try using youre other bank cards and with time they increae your limits. Remember the one thing we can control( besides mother nature of course) is always try to pay on time. This alone will help your credit get better. Stay well and please try to take our advice with good intentions. Great day AVJ
Synchrony has become a very sensitive beast to tame this past year. I know that having a couple cards with them can sometimes be problematic, not always though. I myself have a few. But 15 with the same bank has the earmarking that if something goes wrong with 1 card, it tends to shift focas on whole profile. Now, i come from very modest means, lets just say im at the bottom of the totem pole lol, but $490 bucks is alot for me. But if your 1 card has that balanced and is maxed but you have over 50k in credit limits with little or few balances, overall, shouldnt be that bad. Just try to pay it down fastest way you can . Who know maybe theyll reinstate the limit. Id not judt close it and move on. Any details you can provide on tour scores etc. Perhaps we can give some more helpful tips on bettering your credit. Im still learning myself but even though getting big limits on Sync retail accounts can sometimes be taken with a grain of salt, i do know that overall they wont just give out 5k plus limits on every card if you are not doing something righr. Many times cli is related to your fico score and i judt cant see someone with a below 620 getting multiple 5k limits.
I know sometimes we only want direct answers when posting questions but on this great forum i find 95% of the time, people rally want to help you, there will always be a bad egg or two, but given time. We get rid of those
. Ita not easy but just remember the positives, you're ok, you did get the late fee waived, and you still have those other 15 cards. Sync can always send out the blue envelope so i always try to keep my Sync balances low for that very same reason. Perhaps try using youre other bank cards and with time they increae your limits. Remember the one thing we can control( besides mother nature of course) is always try to pay on time. This alone will help your credit get better. Stay well and please try to take our advice with good intentions. Great day AVJ
Jesi, i couldnt care less about credit at a time like that nor should you. Must have been scary, truely feel for you there. But now that it has past, time to say hey, ok you got me Stnc but ill have the last laugh. You wanna cld me, ok ...pay pay,pay...0 balance, ok id like to close please. Just like that. Pick the cards you really use and relesse the rest, try to use your cards for what you know you can pay off at the end of the month and make your asssult plan on the credit world. I truely believe if you follow the advice on these dorum whether rebuilding or just maintening ones credit, when those scary things happen we have a better shot at dealing with them. Best of luck again