cancel
Showing results for 
Search instead for 
Did you mean: 

Synchrony Bank Total Exposure Thread

tag
Anonymous
Not applicable

Re: Synchrony Bank Total Exposure Thread

Only a JCP card with a $7200 CL opened July, 2016. Use it every few months  I suspect I am very high risk. Opened for the approval discounts. Prior card  was closed in November, 2013, when my credit was tanking. Never late with either card. 

Message 21 of 66
Anonymous
Not applicable

Re: Synchrony Bank Total Exposure Thread

Current Credit Card  total : 1

Current Credit Line : $9,200

Current Debt across all Sync cards: $19

Current Fico 8 scores: 827 EX

 

Risk: Very low. Exposure is low and overall utilization is 2%. Typically low spend on the Lowe's card but will get a lot more this spring and summer.

Message 22 of 66
Gmood1
Super Contributor

Re: Synchrony Bank Total Exposure Thread

I have six tradelines with Synchrony bank.

Total Synchrony exposure $75,000.

Highest limit, Lowes at $35,000

Carrying a 24 month 0% with $800ish balance on PPC. I've been carrying a balance on this line for the last 12 months.

Just received a $4500 CLI last week.

TU score 792

 

 

Message 23 of 66
ChargedUp
Senior Contributor

Re: Synchrony Bank Total Exposure Thread

One tradeline - Paypal Credit

$10K - $0 balance

Haven't used it since Synch took it over and likely never will.

EX08 - 735 TU08 - 759 EQ09 - 779

 

low to medium

Message 24 of 66
BRIVERS73
Valued Member

Re: Synchrony Bank Total Exposure Thread

Current Credit Card total : 4

Current Credit Line : $34,500

Current Debt Line across all Sync cards: $2454.53

Current Fico 8 scores: 832 TU 834 EX 831 EQ

 

High/ low candidate (in your opinion): Low

There's only 2 cards I use of the 4 and that's my Paypal Line of Credit & Google Financing cards



Message 25 of 66
MoneyBurns
Frequent Contributor

Re: Synchrony Bank Total Exposure Thread

Current Number of total cards: 2

PayPal MC, Marvel

 

Current Credit Line across all cards: 18.6k

Current Debt totals all lines: 5.3k

 

High/Low: Low. I don't have many cards with them, and always PIF. My use is 99.98% PayPal MC. All 5.3k on PayPal. Used 6k two months ago, no issue.

 

I don't use Marvel for dining, maybe occasional Gamestop purchase.

My Current Active Credit Cards
Message 26 of 66
JNA1
Valued Contributor

Re: Synchrony Bank Total Exposure Thread

Current Credit Card total : 2 Current Credit Line : $20,000 Current Debt across all Sync cards: $486 Current Fico 8 scores: 741 EX 747 TU 749 EQ Risk: Med/low (hopefully!) I use both cards regularly and currently I am using the 6 mons 0% promotional financing on the Summit card.
Our credit card journey started 3/2018


Hover over cards to see limits and usage. Total CL - $608,600. Cash Back and SUBs earned as of 5/31/24- $21,590.43
CU Memberships

Goal Cards:

Message 27 of 66
Anonymous
Not applicable

Re: Synchrony Bank Total Exposure Thread

I'd think credit is even more personal than money. Those who are so tight-lipped about income are the same ones who wait until marriage. Both, when finally revealed, are not that great Smiley Happy

Message 28 of 66
DebtJoe
Regular Contributor

Re: Synchrony Bank Total Exposure Thread

I have 2 cards with Synchrony, only a $7100 limit between the two.

 

Care Credit - $4600 Limit - $0 Balance - Obviously just used for medical stuff and co-pays. Always PIF.

 

Paypal CB MC - $2500 Limit - $0 Balance - ~$500 per month usage on this card depending on Ebay spending, always PIF.

 



8/1/2018 FICO Scores:

6/29/2021 FICO Scores:
Message 29 of 66
I_Love_Cards
Regular Contributor

Re: Synchrony Bank Total Exposure Thread

Total Sync Exposure: $19.8k on 4 cards (PayPal MC, eBates/Rakuten, Amazon, Lowe's).  

 

All get very regular use (3+ times/month except Lowe's which has a large appliance purchase on 0% for 24 months).  

 

Total Sync debt: $3200 (most on Lowe's at 0%)

 

Fico 08: EQ 744 TU 715 EX 712

overall util: 16-20-% depending on the day 

 

Risk: high.  While my FICO scores are fine and report is OK, I recently had old chargeoffs age off my TU report.  Vantage reacts oddly to removal of baddies and my V4.0 dropped 60 points.  Sync does use this score.  So based on removal of old charge offs-I may now be a flaming high risk.  Because #VantageRocks.  I otherwise would put myself at mediocre-moderate risk (exposure less than 1/5th income, but I credit-seek like a boss).  

Message 30 of 66
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.