Synchrony Question?

[FireMedic1]

What is the total min payments come out to each month. Is there anyway you can get a second job. And my new thing is you could save a life by donating plasma and possibly earn up to $300 a month. If that would help.

[CreditInspired]

OP.

Why don't you list all your CCs, min pymt, balances, APR, and net income. We’ll make suggestions and try to come up with a plan to see if it would thwart BK.

I don't know about Synchrony but some CCCs do offer hardship programs.

[Anonymous]

I thought I recalled reading somewhere here that Synchrony did offer a hardship repayment plan to someone in the past. I don’t know if that’s a standard thing they offer or if I’m completely off base, but that sticks in my head for some reason.

[Anonymous]

Synchrony does have a hardship program but you have to already be late before they will offer it to you. 

[Anonymous]

Also, my guess would be that any other lenders you have accounts with would prrotect themselves by slashing your spending limit or cencellin tthe card

[designated_knitter]

---

@CreditInspired wrote:

---

And that is why myFICO is here--to answer questions that people don't have answers to.  And myFICO's motto is (well my motto atleast)--no question is a crazy question. How else would one know the answer if he/she is afraid to ask the question? It's akin to the child who never raises his hand in class for fear other students will think his question silly. 

---

Well, there was that dude a few days ago who wanted to know if he could buy an iPhone 11 on credit despite having 10000 bucks in debt and a 2100 CC in charge-off... and would have his aunt buy it if he had to because he had no job.

Oh, and yes, it HAD to be an iPhone 11 (YELLOW)

But I'm convinced he was just trolling us!

[CreditInspired]

---

@designated_knitter wrote:

---

@CreditInspired wrote:

---

And that is why myFICO is here--to answer questions that people don't have answers to.  And myFICO's motto is (well my motto atleast)--no question is a crazy question. How else would one know the answer if he/she is afraid to ask the question? It's akin to the child who never raises his hand in class for fear other students will think his question silly. 

---

Well, there was that dude a few days ago who wanted to know if he could buy an iPhone 11 on credit despite having 10000 bucks in debt and a 2100 CC in charge-off... and would have his aunt buy it if he had to because he had no job.

Oh, and yes, it HAD to be an iPhone 11 (YELLOW)

But I'm convinced he was just trolling us!

---

😆😆 Oh my! 😆😆

Sometimes one has to laugh inward but find a way to answer just in case it's a serious question. And I'm willing to bet that person was for real. It never ceases to amaze me that people who have extreme debt still try to find a way to buy things that are out of their reach but due to their own financial fault and "gotta have it now mentality."

True story. I have a friend that just borrowed $50K from her 457 to pay off 2 loans and a CC that she maxed out $20K in less than 4 months. It wasnt even a week later when she told me she was hiring a contractor to build a deck and fence in her property. Just had to SMH. Some people just don't learn. They're just addicted to spending I guess.