No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
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.
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.
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
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
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
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.
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
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.
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).