Synchrony Bank Total Exposure Thread

[DaveInAZ]

After my Walmart store card w/$10k CL went to Cap One and I closed PayPal Credit w/$4k CL as Sync was taking it over:

PayPal Cashback MC: $12,500 CL, Balance: $29.09

Lowes: $15k CL, Balance: $0

Risk: Low

- I rate my risk as low because 1) Sync just gave me an auto CLI on PP MC last month from $10k to $12.5k and I run over $1k monthly thru it. and 2) Sync uses TU and I got an early exclusion of my 2010 BK7 from TU in March, Fico 8 went from 731 to 783, and the Vantage 4 score Sync uses went from 765 to 783. But I do need to stop by Lowes and buy a potted plant.

[notmyrealname23]

Amazon Prime Store Card: $3000, 4/19 (one CLI from 1k to 3k already)

I use this regularly, PIF regularly. Don't see myself ever getting above 1-2k in utilization (maybe I'd buy a new laptop on it someday? use the pay over time feature?) so I don't really need this credit limit to go to the sky, if it went to 5k I'd probably be happy (and 3k is all right). In theory replacing it with the Chase Amazon Visa would be nice and I'd be free to tell Synch "smell you later", but I am not sure I want to blow a 5/24 slot on that card.

Cathay Pacific Visa Card (note, not the Signature, the Platinum): $2500, 1/20 (my first "churn for the SUB" card)

I floated up a pretty large balance at one point on the Cathay card to nail a SUB ($2k for 40,000 miles, I value that bonus at ~$500, I'll be able to use those miles at SOME point), but it's all PIF. I will be dropping the Cathay card in 2021 monus a compelling offer (spoiler: Synch doesn't do compelling offers on this card, generally) because the ongoing spend structure of the card isn't worth a $95 AF.

Risk: ???? (pretty low limits, that I don't actually care about taking up much, so theoretically low risk, but the reason why I'm in a credit rebuild and my scores are in the 650-680 range is the LAST recession and eventual Chapter 13 a few years later, so maybe Synch would get nervous and drop my limits or me.)

[Caught750]

2 cards 

$55,000 total exposure

$85,000 reported (net) income 

$7000 balance (Lowe's 84 months@7.99%)

~770 TU

Low to Mid risk?  Maybe?

[Jnbmom]

Total exposure 95K

Only carecredit has balance 0% for 24 months DD needed dental care .

They have messed with DH iwith 2 accounts, so far not bothered me but I consider myself a high risk ATM.

[Anonymous]

Total synchrony cards is 2. Total synchrony exposure is $9,000. Total synchrony debt is $0. Fico 8 scores : Experian 742 , TransUnion 742 , and Equifax 736.

[5KRunner]

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@AverageJoesCredit wrote:

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

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Just one for me - Care Credit, with a CL of $6000 (recently lowered from $6500). I haven't used it since paying off a significant balance about a year ago.

FICO 8 are all in the 765-790 range. I wouldn't be surprised if they closed it.

[Anonymous]

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@5KRunner wrote:

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@AverageJoesCredit wrote:

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

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Just one for me - Care Credit, with a CL of $6000 (recently lowered from $6500). I haven't used it since paying off a significant balance about a year ago.

FICO 8 are all in the 765-790 range. I wouldn't be surprised if they closed it.

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Yeah they're going to close it soon but that's for no use rather than actual AA. 

[5KRunner]

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@Anonymous wrote:

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Yeah they're going to close it soon but that's for no use rather than actual AA. 

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Agreed. I've been looking for ways to use it but can't find any. I was scheduled for a dental procedure but they've canceled all appointments due to COVID-19, and I suspect I won't get in before Sync shuts me down.

[Anonymous]

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@5KRunner wrote:

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@Anonymous wrote:

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Yeah they're going to close it soon but that's for no use rather than actual AA. 

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Agreed. I've been looking for ways to use it but can't find any. I was scheduled for a dental procedure but they've canceled all appointments due to COVID-19, and I suspect I won't get in before Sync shuts me down.

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Go buy anything except cash equivalents at Walgreens or browse the list here - https://www.carecredit.com/about/

I think Walgreens is the only one that doesn't have to be medical care related so make sure you check the actual links if you don't have a Walgreens nearby. 

[Anonymous]

Mine is nonexistent due to Cap1 aquiring Walmart.