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Synchrony - Early update

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Established Contributor

Synchrony - Early update

Just had an interaction with Synchrony CSR and thought I would share.

 

Anytime you zero your balance you may call and request an early/mid-cycle update to the major CBs.

 

On a recently opened account I had a large purchase, equal to 88% of my CL. I attempted to pay in full prior to reporting. They would not deposit my check until statement was cut and reported. Statement cut, they deposited the check eleven days after I sent it. I then hit luv button, yada, yada, yada. Because I had zeroed the account they agreed to a mid cycle update which will now reflect my greater CL.

I hope this is useful information for some of you.



“If you don’t know, the thing to do is not to get scared, but to learn.” – Ayn Rand
Message 1 of 7
6 REPLIES 6
Contributor

Re: Synchrony - Early update

Great to know! Thank you








Message 2 of 7
Super Contributor

Re: Synchrony - Early update

I've found with synchrony, requesting a mid-cycle update is almost a waste of time. They'll update whenever they want, so they could update again the moment you make a charge, and then again when you make a second charge. You could make another 10 charges with no update then the next one triggers it. The last time I requested an update, I got 3 in a week and a half totally defeating the purpose.








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Message 3 of 7
Community Leader
Super Contributor

Re: Synchrony - Early update

Lol , ^^^ This^^^^Smiley Wink
#ChaseCreditCardHobby Enthusiast
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Message 4 of 7
Established Member

Re: Synchrony - Early update

Sometimes If I need a sync update I will change my income by 1 or 2 dollars and it will report. 

It doesn't always work but once in a blue moon it will.

Message 5 of 7
Regular Contributor

Re: Synchrony - Early update


@Brian_Earl_Spilner wrote:

I've found with synchrony, requesting a mid-cycle update is almost a waste of time. They'll update whenever they want, so they could update again the moment you make a charge, and then again when you make a second charge. You could make another 10 charges with no update then the next one triggers it. The last time I requested an update, I got 3 in a week and a half totally defeating the purpose.


So far I've had good luck get Synchrony to update w/in 2-3 business days, same for Chase even if you don't zero your balance!

FICO 8
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Message 6 of 7
New Contributor

Re: Synchrony - Early update

Thanks for sharing!




Starting Score: 565
Current Score: 696
Goal Score: 850

Message 7 of 7
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