Synchrony Bank Total Exposure Thread

[Boragard]

Current Credit Card total : 9
Current Credit Line : $103,500
Current Debt Line across all Sync cards: $12.00
Current Fico 8 scores: 762 TU 777 EX 802 EQ

High/ low candidate (in your opinion): High

[GoldenloveNY]

Amazon Store Card: $2,050

So I doubt they are coming after me 🤪

[CYBERSAM]

Lowes: 6k
Rotmans: 5K
Paypal: 3.3K
Marvel CC: 10K

I did close a Sams club CC 9K few months ago!

On a side note, when I asked for Marvel CLI from 8K, I requested 15K. However they countered with 10K CL and then send me a letter explaining that I received the max CL allowed for that card at this time! This was about a month ago.

It is possible they have reassessed some CCs and set a cap and those who have more are getting CLD or chopped altogether! Just my theory based on their letter.

[UpperNwGuy]

I had several Synchrony store cards, and I closed them all three years ago.  The reason:  scary personal stories about Synchrony that I read here on myFICO Forum.  My exposure is now zero.

[JamP]

Current Credit Card total : 2 (Amazon 25k, SamsMC 20k)
Current Credit Line : $45k
Current Debt Line across all Sync cards: $40
Current Fico 8 scores: I was a bit north of 800 last time I checked but I was approved for UsAlliances and AOD lately.

High/ low candidate (in your opinion): Low - unless they do not want single cards at 20-25k cl

[Anonymous]

Just 1 Sync card: CareCredit $15k. Have not used in 8 months. Need to got put $5 on it soon! 

Risk: hopefully, it is Low. 

[kerplunk]

Past Synchrony exposure: 0

Current Synchrony exposure: 0

Future Synchrony exposure: 0

[Brian_Earl_Spilner]

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@Anonymous wrote:

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 

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You obviously haven't seen the dating threads on here 

[kilroy8]

I only have PayPal Credit that was Comenity.

Got CLI from $4K to $10K just a few days ago.

Zero balance.

VS4 is 806

I think I am low risk.

I should probably use the tradeline if I want to keep it, as I zeroed it out and haven't used it since they started reporting.

[RickNATL]

Total Synch cards: 4 (BP Gas, Car Care One, Amazon, Paypal Credit)

Authorized on Other Synch Cards: 3 (Lowes - $20K, RTG - $18K, Care Credit - $8K)

CL: $75,000 (for my 4 Synch accounts)

Balance: $1300

Average usage: BP Gas (use often, fuel bill hover $600/mo, PIF); Amazon (use often, PIF); Car Care 0ne (2-3 times a year, large amounts, but PIF); Paypal Credit (use often, PIF or pay before interest can accrue)

Aggregate UTI on all cards: 2-3%

Current Fico: 777 EQ, 788 TU, 765 EX

VS4 Score:  792
Likelihood of closure: LOW (I would hope)