Synchrony Bank Total Exposure Thread

[AverageJoesCredit]

With all thats going on and multiple Synchrony Bank credit card account closures i figured i put this thread out here for all us nosey folk and for people to compare so we can see whos next up to bat

Current Credit Card  total : 7

Current Credit Line : $79,000

Current Debt Line across all Sync cards: $25.00

Current Fico 8 scores: 714 TU 740 EX 734 EQ

High/ low candidate (in your opinion): High

[wasCB14]

While many people are relatively private about income, you might consider some metric for spend.

[Shooting-For-800]

I just started making extra payments cuz I am scared...

Used all 4 cards last month, paid off 2 of them.

Other two have decreasing balances.  (0%)

Current Credit Card  total : $70,000

Current Credit Line : $70,000

Current Debt Line across all Sync cards: $5,500 (0%)

Current Fico 8 scores: 720-740

High/ low candidate (in your opinion): Low/Mid

[Anonymous]

Total Synch cards: 1 (Lowe's)

CL: $12,000

Balance: $1146 (all but a couple hundred on 12 month deferred interest, 3x min payment per month at least)

Average usage: 4-5x per month

Aggregate UTI on all cards: 16.4%
Likelihood of closure: low/lower-medium I would think

[tcbofade]

Fico 8 scores updated monthly in signature.

Ebay Mastercard.  $7k CL, zero balance.

Amazon Store card.  $10k CL, $10.34 balance.

Conoco Drive Savvy.  $2.5k CL, $45.55 balance.

P66 Drive Savvy. $2.3k CL, zero balance.

Lowes card.  $25k CL, zero balance.

Midas card.  $2.5k CL, zero balance.  (Was $10k CL, got CLD'd)

Care Credit. $20k CL, zero balance

Marvel card $6k CL, zero balance.

JCP card $6K CL, zero balance.

AU accounts:

Lowes card. $25k CL, $597.55 balance. (Zero percent deal)

Old Navy card. $10k CL, zero balance.

Conoco Drive Savvy. $4k CL, 119.74 balance.

Paypal MC. $10k CL, zero balance.

Household income should break the six figure barrier this year. 

....just waiting for my turn in the barrel...

[Anonymous]

Current Credit Card  total : 3

Current Credit Line : $20,000

Current Debt Line across all Sync cards: $0

Current Fico 8 scores: 788 TU 721 EX 732 EQ

High/ low candidate (in your opinion): Moderate

I think I'm far less at risk than I was when my exposure was $33,500 across 5 cards but Sync is tied with NFCU for highest exposure and that's still the danger zone. The only thing I think might save me is my balances have been dropping big time. I was around $4300 in February and I'm down to around $1700 now. They also likely have in their computers that when I filed my 2010 bankruptcy, GE Capital Bank was not one of the creditors who got burned since my Amazon card had a $0 balance. 

The thing is, I'm not so convinced that these are being done looking for any specific patterns. 

[Anonymous]

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@Anonymous wrote:

Current Credit Card  total : 3

Current Credit Line : $20,000

Current Debt Line across all Sync cards: $0

Current Fico 8 scores: 788 TU 721 EX 732 EQ

High/ low candidate (in your opinion): Moderate

I think I'm far less at risk than I was when my exposure was $33,500 across 5 cards but Sync is tied with NFCU for highest exposure and that's still the danger zone. The only thing I think might save me is my balances have been dropping big time. I was around $4300 in February and I'm down to around $1700 now. They also likely have in their computers that when I filed my 2010 bankruptcy, GE Capital Bank was not one of the creditors who got burned since my Amazon card had a $0 balance. 

The thing is, I'm not so convinced that these are being done looking for any specific patterns. 

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About three years ago US Bank reduced my total credit do to the fact I had more than my annual income. They were fair and reviewed everything and we worked on a solution that they agreed too. No surprises either way and they were right about my being greatly over exposed. As conservative as they are, I am surprised it ever happen. The fact they were polite, professional and willing to look at the total picture did a lot as I know "it was only business" ... which was true. Worked with a senior supervisor in credit analysis not front line personnel as they were not empowered to make changes and adjustments. If it was going to happen, I felt they treated me as well as could be expected!

[RehabbingANDBlabbing]

Current Credit Card  total : 3

Current Credit Line : $9,300

Current Debt across all Sync cards: $100.00

Current Fico 8 scores: 801 TU   643 EX   704 EQ

Risk: I think I have a moderate risk. I don't have a lot of exposure, but they have been holding all of my payments on my Paypal Mastercard and I have not been using my Synchrony Home card very often. I do PIF, so that may or may not help. I am also still rebuilding, so here's hoping they are only watching my TU report.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Current Credit Card  total : 3

Current Credit Line : $20,000

Current Debt Line across all Sync cards: $0

Current Fico 8 scores: 788 TU 721 EX 732 EQ

High/ low candidate (in your opinion): Moderate

I think I'm far less at risk than I was when my exposure was $33,500 across 5 cards but Sync is tied with NFCU for highest exposure and that's still the danger zone. The only thing I think might save me is my balances have been dropping big time. I was around $4300 in February and I'm down to around $1700 now. They also likely have in their computers that when I filed my 2010 bankruptcy, GE Capital Bank was not one of the creditors who got burned since my Amazon card had a $0 balance. 

The thing is, I'm not so convinced that these are being done looking for any specific patterns. 

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About three years ago US Bank reduced my total credit due to the fact I had more than my annual income. They were fair and reviewed everything and we worked on a solution that they agree to. No surprises either way and they were right about my being greatly over exposed. As conservative as they are, I am surprised it ever happen. The fact they were polite, professional and willing to look at the total picture did a lot as I know "it was only business" ... which was true. Worked with a senior supervisor in credit analysis not front line personnel as they were not empowered to make changes and adjustments. If it was going to happen, I felt they treated me as well as could be expected!

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Yeah it's certainly risky letting me have more than my income but since Capital One is sitting at $18,250 and NFCU is at $20K too, Sync isn't taking on the biggest risk of exposure with my profile. 

We will see. The only card I would miss would be Amazon really. 

[Anonymous]

Hello,

Credit Card: 3

Credit Limit: 40K (2% Paypal 20K, Marvel 10K, Rakuten 10K)

Balance: $0 (Pay before statement cut)

Fico 8: TU804, EQ788, EX787