Synchrony Denial

[BearsAndTurtlesRtheBest]

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@Anonymous wrote:

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@BearsAndTurtlesRtheBest wrote:

GE also hates my inquiries. 

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who do they think they are? Chase or Barclays?

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I would say Barclays.

[godscountry]

I just had an epic spree and gained 87k in credit.  out of that, Sync denied me for Care Credit.... subsequently I was approved for $17k in credit from other lenders.  I couldnt believe it.  So I apped for Texaco/Chevron and they didnt give me the visa, and gave me toy limit of $500.  then I apped for Paypal since I am longtime member....they gave me $1500.  Subsequently apped for Diner's Club and got $10k.  I havent had a chance to call Sync yet, but I will soon and ask them what gives, and also, tell them I will refuse the gas card if they dont upgrade it to Visa.

[taxi818]

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@godscountry wrote:

I just had an epic spree and gained 87k in credit.  out of that, Sync denied me for Care Credit.... subsequently I was approved for $17k in credit from other lenders.  I couldnt believe it.  So I apped for Texaco/Chevron and they didnt give me the visa, and gave me toy limit of $500.  then I apped for Paypal since I am longtime member....they gave me $1500.  Subsequently apped for Diner's Club and got $10k.  I havent had a chance to call Sync yet, but I will soon and ask them what gives, and also, tell them I will refuse the gas card if they dont upgrade it to Visa.

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But your siggy is in the atmosphere. op still have issues to clear up. then im sure he or she will be in there. its not really like they are so hard core. they are just looking at baddies. maybe even if op removed just 1 negative then he would be in there. who knows. i would not try over and over for their card unless like you it was a visa or mastercard.

[godscountry]

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@taxi818 wrote:

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@godscountry wrote:

I just had an epic spree and gained 87k in credit.  out of that, Sync denied me for Care Credit.... subsequently I was approved for $17k in credit from other lenders.  I couldnt believe it.  So I apped for Texaco/Chevron and they didnt give me the visa, and gave me toy limit of $500.  then I apped for Paypal since I am longtime member....they gave me $1500.  Subsequently apped for Diner's Club and got $10k.  I havent had a chance to call Sync yet, but I will soon and ask them what gives, and also, tell them I will refuse the gas card if they dont upgrade it to Visa.

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But your siggy is in the atmosphere. op still have issues to clear up. then im sure he or she will be in there. its not really like they are so hard core. they are just looking at baddies. maybe even if op removed just 1 negative then he would be in there. who knows. i would not try over and over for their card unless like you it was a visa or mastercard.

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true...

I think one of the easiest to get in, if you want it that bad is Paypal.  DW apped, and was approved for SmartConnect and her scores are similar to OP.  Friend of mine just got Paypal Extras....BK only negative on report...6 years old.  I was denied for Care Credit, but did get Paypal Extras for $1500 after the denial.  Other than that, I wouldnt waste inqs on them, the only reason I did was because I had credit from ever lender I wanted to get in with and was heading to the garden...so just threw those in there because all my apps were in the past 2 weeks so they all will fall off virtually same time.

[Anonymous]

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@taxi818 wrote:

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@godscountry wrote:

I just had an epic spree and gained 87k in credit.  out of that, Sync denied me for Care Credit.... subsequently I was approved for $17k in credit from other lenders.  I couldnt believe it.  So I apped for Texaco/Chevron and they didnt give me the visa, and gave me toy limit of $500.  then I apped for Paypal since I am longtime member....they gave me $1500.  Subsequently apped for Diner's Club and got $10k.  I havent had a chance to call Sync yet, but I will soon and ask them what gives, and also, tell them I will refuse the gas card if they dont upgrade it to Visa.

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But your siggy is in the atmosphere. op still have issues to clear up. then im sure he or she will be in there. its not really like they are so hard core. they are just looking at baddies. maybe even if op removed just 1 negative then he would be in there. who knows. i would not try over and over for their card unless like you it was a visa or mastercard.

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I think that right there is it.  I've seen mid 500's get nice limits but they had inq's and slow pays, but no collection. charge-off, student loan type baddies.  On the other hadn I've seen a high 600 declined with as simple as a charge-off from 4-5 years ago.  Who knows.

[Anonymous]

No baddies at all whatsoever. Not one on TU. Two tries in the past 14 months.

[Scott_S]

GE/Synchrony Hates Me.  No Mater What I App For, I Get Denied.  I See People Say How Easy Their Cards Are To Get, But I Have Never Had Any Luck.  

[taxi818]

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@Anonymous wrote:
No baddies at all whatsoever. Not one on TU. Two tries in the past 14 months.

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So you are saying no baddies on tu and have credit karma tu 625??  Something not adding up. I have a collection  on tu. Paid. But still have it. Credit karma 731. How is this possible if report clean. Maybe utilization?? 

[FinStar]

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@godscountry wrote:

I just had an epic spree and gained 87k in credit.  out of that, Sync denied me for Care Credit.... subsequently I was approved for $17k in credit from other lenders.  I couldnt believe it.  So I apped for Texaco/Chevron and they didnt give me the visa, and gave me toy limit of $500.  then I apped for Paypal since I am longtime member....they gave me $1500.  Subsequently apped for Diner's Club and got $10k.  I havent had a chance to call Sync yet, but I will soon and ask them what gives, and also, tell them I will refuse the gas card if they dont upgrade it to Visa.

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Not too burst your bubble, but also recognizing your recent major approvals, SYNCB is not going to budge on the CareCredit denial - computer generated denials cannot be reconsidered (even at the EO level).  The same for your Chevron/Texaco CC - you're considered for the Visa first, if you don't qualify, the retail CC is next in line (subject to approval of course).  AFAIK, and while they do happen, not many folks report a lot or upgrades from the gas CC to the Visa for this specific product.

[Anonymous]

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@taxi818 wrote:

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@Anonymous wrote:
No baddies at all whatsoever. Not one on TU. Two tries in the past 14 months.

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So you are saying no baddies on tu and have credit karma tu 625??  Something not adding up. I have a collection  on tu. Paid. But still have it. Credit karma 731. How is this possible if report clean. Maybe utilization?? 

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I've been trying to figure that out as well.  It hasn't moved in a while (even after 3 major items were deleted and/or fell off) and stays the same each time I check it.  Utilization maybe?