Synchrony Bank Total Exposure Thread

[macinjosh]

Current Credit Card total : 4

Current Credit Line : $20,500

Current Debt Line across all Sync cards: $448.00

Current Fico 8 scores: 706 TU 679 EX 671 EQ

Edit: VS4 Score on 4/7/20: 622

High/ low candidate (in your opinion): High

My balances went way too high recently. Surprisingly, Barclays didn't CLD me tonight, so maybe I'm not too high on Synchrony's CLD list.

[Mv350]

Current Credit Card  total : 4 - PPMC, PPC, CareCredit, Amazon Prime

Current Credit Line : $9,300

Current Debt Line across all Sync cards: $35

Current Fico 8 scores: 710 TU 690 EX 714 EQ

EDIT: VS4 662 as of 4/7/20

High/ low candidate (in your opinion): low

I should probably stop smashing the luv button though

[Anonymous]

2 cards, 25k low imo. I have $600 recently (bday purchase for family) charged but will be paid before next statement. 
I can say, I've been checking on them daily. 
It's been over a year since I asked for a cli simply because I didn't see the need for one. 

[GApeachy]

@AverageJoesCredit  I think we need VS4 scores added.

Current Credit Card  total : 6

Current Credit Line : $73,300 (Biz & Personal-Au)

Current Debt Line across all Sync cards: $487.00

Current Fico 8 scores: 721 TU 742 EX 730 EQ  

Current Vantage 4 score: 678

High/ low candidate (in your opinion): idk

[GApeachy]

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@Anonymous wrote:

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

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I think it's depending on the VS4 trended data........would like to see those scores.

[AverageJoesCredit]

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@GApeachy wrote:

@AverageJoesCredit  I think we need VS4 scores added.

Current Credit Card  total : 6

Current Credit Line : $73,300 (Biz & Personal-Au)

Current Debt Line across all Sync cards: $487.00

Current Fico 8 scores: 721 TU 742 EX 730 EQ  

Current Vantage 4 score: 678

High/ low candidate (in your opinion): idk

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People can add them if they like,  honestly i dont put much stock in them though i know Sync can

[GApeachy]

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@AverageJoesCredit wrote:

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@GApeachy wrote:

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People can add them if they like,  honestly i dont put much stock in them though i know Sync can

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ETA:  How many ppl have their Card Security too?  (that might hurt Synch en masse somehow.....who knows?)

After @Anonymous posted about Sync using VS4 several months back.  Being VS4 is Trended Data it seems like Sync does, as you say, put stock in it.  But comparing those scores to fico's, pymt history, usage, agg. utl., etc. we could go back and compare......perhaps.   Just a thought.

[JR_TX]

I haven't called CS in a while (1 yr+?) as I know about their Bipolar disorder. Although I don't have that much exposure with them and I always PIF at least for now they leave me be.

Marvel - $15K

PPC  -  $10K

[Rudy1]

Current Credit Card  total : 5

Current Credit Line : $19,600

Current Debt Line across all Sync cards: $926.41

Current Fico 8 scores: 732 TU 707 EX 706 EQ

High/ low candidate (in your opinion): Moderate/High Most of the balance is for a promo on my Lowes card also I have a balance on my ebay mastercard. I will be paying off my ebay within the month.

[blossom_rebuilding]

Current Credit Card total : 2

Current Credit Line : $11,500

Current Debt Line across all Sync cards: $627

Current Fico 8 scores: all within the 700-730 range

VS4 Score: 722

High/ low candidate (in your opinion): Moderate, I would hope. I only have Marvel and Synchrony home. The Synchrony home has had a zero balance for more than a year.  I have honestly been expecting it to be closed for awhile now due to non-use, and I am not all that wedded to this credit line since I have no plans for home improvement in the near future. The balance is entirely on the Marvel card which I used liberally for restaurant purchases over the last few months, but I am paying that down steadily. So long as they don't touch the Marvel card, I should be okay.