Hello all, a while back ago Synchrony took over as creditor for my Texaco Chevron card. It used to be GE. My card has received 2-3 CLI in the first couple of years but now they are refusing (as per these forums and my own personal experience) to give people CLI. My CL is $4500 on this card. A while back my APR jumped from 21.99%(I believe) to 26.99% (I'm assuming as part of the ownership change). My scores are 750+ (770+ until last week when I took out 2 cards).
So my question is, is there a lower APR, no AF Synchrony product that I might be able to change to? (No hard pulls.) At this point, I am less than pleased with Synchrony and their lack of understanding that I would like lower APR/higher CL. If I could get a useful card instead of the one I have (Maybe half the APR) even with the same CL I would be more content.
Open to suggestions/ideas on this.
Thanks in advance!
Must garden until 2/1/2022 to hit my goal AAOA. 
Please and thank you 
@FinStar wrote:
@SecretAzure wrote:Hello all, a while back ago Synchrony took over as creditor for my Texaco Chevron card. It used to be GE. My card has received 2-3 CLI in the first couple of years but now they are refusing (as per these forums and my own personal experience) to give people CLI. My CL is $4500 on this card. A while back my APR jumped from 21.99%(I believe) to 26.99% (I'm assuming as part of the ownership change). My scores are 750+ (770+ until last week when I took out 2 cards).
So my question is, is there a lower APR, no AF Synchrony product that I might be able to change to? (No hard pulls.) At this point, I am less than pleased with Synchrony and their lack of understanding that I would like lower APR/higher CL. If I could get a useful card instead of the one I have (Maybe half the APR) even with the same CL I would be more content.
Open to suggestions/ideas on this.
Thanks in advance!
Sorry, SYNCB does not allow any PC to any of their cards. They also do not lower APRs. The only APR lowering instances that have occurred (during 2014) was for eBay MC and PayPal Extras MC. You can only hope they upgrade your Texaco/Chevron card to a Visa, but that is by invitation only - still, the APR will remain untouched.
It is already the Visa. 
This saddens me. Why is this creditor so terrible if you're not rebuilding credit?
@SecretAzure wrote:
@FinStar wrote:
@SecretAzure wrote:Hello all, a while back ago Synchrony took over as creditor for my Texaco Chevron card. It used to be GE. My card has received 2-3 CLI in the first couple of years but now they are refusing (as per these forums and my own personal experience) to give people CLI. My CL is $4500 on this card. A while back my APR jumped from 21.99%(I believe) to 26.99% (I'm assuming as part of the ownership change). My scores are 750+ (770+ until last week when I took out 2 cards).
So my question is, is there a lower APR, no AF Synchrony product that I might be able to change to? (No hard pulls.) At this point, I am less than pleased with Synchrony and their lack of understanding that I would like lower APR/higher CL. If I could get a useful card instead of the one I have (Maybe half the APR) even with the same CL I would be more content.
Open to suggestions/ideas on this.
Thanks in advance!
Sorry, SYNCB does not allow any PC to any of their cards. They also do not lower APRs. The only APR lowering instances that have occurred (during 2014) was for eBay MC and PayPal Extras MC. You can only hope they upgrade your Texaco/Chevron card to a Visa, but that is by invitation only - still, the APR will remain untouched.
It is already the Visa.
IMO - they're not "that" terrible. A lot of individuals find great use for SYNCB CCs. Also, if you are in the PIF habit, what difference does the APR make? As with most private label lenders, SYNCB has a targeted demographic for the types of products they offer -they are definitely not your 9.99 APR lenders. No different than Comenity or Citi. For some of their co-branded V/MC cards, they do offer lower APR "tiers" to individuals with excellent credit profiles. Any other time, unless they don't offer a specific APR spread, you are locked into the rate they offer you at the time of approval.
@FinStar wrote:
@SecretAzure wrote:
@FinStar wrote:
@SecretAzure wrote:Hello all, a while back ago Synchrony took over as creditor for my Texaco Chevron card. It used to be GE. My card has received 2-3 CLI in the first couple of years but now they are refusing (as per these forums and my own personal experience) to give people CLI. My CL is $4500 on this card. A while back my APR jumped from 21.99%(I believe) to 26.99% (I'm assuming as part of the ownership change). My scores are 750+ (770+ until last week when I took out 2 cards).
So my question is, is there a lower APR, no AF Synchrony product that I might be able to change to? (No hard pulls.) At this point, I am less than pleased with Synchrony and their lack of understanding that I would like lower APR/higher CL. If I could get a useful card instead of the one I have (Maybe half the APR) even with the same CL I would be more content.
Open to suggestions/ideas on this.
Thanks in advance!
Sorry, SYNCB does not allow any PC to any of their cards. They also do not lower APRs. The only APR lowering instances that have occurred (during 2014) was for eBay MC and PayPal Extras MC. You can only hope they upgrade your Texaco/Chevron card to a Visa, but that is by invitation only - still, the APR will remain untouched.
It is already the Visa.
IMO - they're not "that" terrible. A lot of individuals find great use for SYNCB CCs. Also, if you are in the PIF habit, what difference does the APR make? As with most private label lenders, SYNCB has a targeted demographic for the types of products they offer -they are definitely not your 9.99 APR lenders. No different than Comenity or Citi. For some of their co-branded V/MC cards, they do offer lower APR "tiers" to individuals with excellent credit profiles. Any other time, unless they don't offer a specific APR spread, you are locked into the rate they offer you at the time of approval.
I wish this was the case but they didn't leave my APR at what it was when I was approved for it. Their website now indicates my current APR as their lowest. Yes it might not matter if I PIF but one day I might not be able to and this card will certainly be the last I use, even after my secure card. Thank you for your help, I wish they'd replace this with a lower APR card. My credit scores would probably support it.
@SecretAzure wrote:
@FinStar wrote:
@SecretAzure wrote:
@FinStar wrote:
@SecretAzure wrote:Hello all, a while back ago Synchrony took over as creditor for my Texaco Chevron card. It used to be GE. My card has received 2-3 CLI in the first couple of years but now they are refusing (as per these forums and my own personal experience) to give people CLI. My CL is $4500 on this card. A while back my APR jumped from 21.99%(I believe) to 26.99% (I'm assuming as part of the ownership change). My scores are 750+ (770+ until last week when I took out 2 cards).
So my question is, is there a lower APR, no AF Synchrony product that I might be able to change to? (No hard pulls.) At this point, I am less than pleased with Synchrony and their lack of understanding that I would like lower APR/higher CL. If I could get a useful card instead of the one I have (Maybe half the APR) even with the same CL I would be more content.
Open to suggestions/ideas on this.
Thanks in advance!
Sorry, SYNCB does not allow any PC to any of their cards. They also do not lower APRs. The only APR lowering instances that have occurred (during 2014) was for eBay MC and PayPal Extras MC. You can only hope they upgrade your Texaco/Chevron card to a Visa, but that is by invitation only - still, the APR will remain untouched.
It is already the Visa.
IMO - they're not "that" terrible. A lot of individuals find great use for SYNCB CCs. Also, if you are in the PIF habit, what difference does the APR make? As with most private label lenders, SYNCB has a targeted demographic for the types of products they offer -they are definitely not your 9.99 APR lenders. No different than Comenity or Citi. For some of their co-branded V/MC cards, they do offer lower APR "tiers" to individuals with excellent credit profiles. Any other time, unless they don't offer a specific APR spread, you are locked into the rate they offer you at the time of approval.
I wish this was the case but they didn't leave my APR at what it was when I was approved for it. Their website now indicates my current APR as their lowest. Yes it might not matter if I PIF but one day I might not be able to and this card will certainly be the last I use, even after my secure card. Thank you for your help, I wish they'd replace this with a lower APR card. My credit scores would probably support it.
Honestly, unless you are loyal to their card and are obtaining "substantial" rewards, there are much better alternatives which would not only provide a more competitive APR, a possibly higher CL and much better rewards. SYNCB isn't going to budge since this is effectively their business model as far as pricing goes. Just something to consider as you grow your credit portfolio.
@FinStar wrote:
@SecretAzure wrote:
@FinStar wrote:
@SecretAzure wrote:
@FinStar wrote:
@SecretAzure wrote:Hello all, a while back ago Synchrony took over as creditor for my Texaco Chevron card. It used to be GE. My card has received 2-3 CLI in the first couple of years but now they are refusing (as per these forums and my own personal experience) to give people CLI. My CL is $4500 on this card. A while back my APR jumped from 21.99%(I believe) to 26.99% (I'm assuming as part of the ownership change). My scores are 750+ (770+ until last week when I took out 2 cards).
So my question is, is there a lower APR, no AF Synchrony product that I might be able to change to? (No hard pulls.) At this point, I am less than pleased with Synchrony and their lack of understanding that I would like lower APR/higher CL. If I could get a useful card instead of the one I have (Maybe half the APR) even with the same CL I would be more content.
Open to suggestions/ideas on this.
Thanks in advance!
Sorry, SYNCB does not allow any PC to any of their cards. They also do not lower APRs. The only APR lowering instances that have occurred (during 2014) was for eBay MC and PayPal Extras MC. You can only hope they upgrade your Texaco/Chevron card to a Visa, but that is by invitation only - still, the APR will remain untouched.
It is already the Visa.
IMO - they're not "that" terrible. A lot of individuals find great use for SYNCB CCs. Also, if you are in the PIF habit, what difference does the APR make? As with most private label lenders, SYNCB has a targeted demographic for the types of products they offer -they are definitely not your 9.99 APR lenders. No different than Comenity or Citi. For some of their co-branded V/MC cards, they do offer lower APR "tiers" to individuals with excellent credit profiles. Any other time, unless they don't offer a specific APR spread, you are locked into the rate they offer you at the time of approval.
I wish this was the case but they didn't leave my APR at what it was when I was approved for it. Their website now indicates my current APR as their lowest. Yes it might not matter if I PIF but one day I might not be able to and this card will certainly be the last I use, even after my secure card. Thank you for your help, I wish they'd replace this with a lower APR card. My credit scores would probably support it.
Honestly, unless you are loyal to their card and are obtaining "substantial" rewards, there are much better alternatives which would not only provide a more competitive APR, a possibly higher CL and much better rewards. SYNCB isn't going to budge since this is effectively their business model as far as pricing goes. Just something to consider as you grow your credit portfolio.
Yeah, I'm hardly using the card because it's terrible benefits and worse APR. I doubt they'd treat me well even if I've been in good standing with them for a while.
AAOA in 10 years will drop and it doesn't cost me anything to own.