is there a way i can clean up synchrony ?

[hoang817]

---

@unsungivy wrote:

Oof. At 99% you shouldn't be thinking about any Synchrony cards (which are primarily retail cards, which would just add to your CC debt).

Maybe think about a balance transfer card (but they're likely to deny you as well for the same reason).

---

right now its at 99% but i can pay down any time. the denial was around 3-5% at the time i applied for the card 2 months ago. I didnt get approve so i used up my credits and will pay down in january.

[KatzNDawgs]

---

@hoang817 wrote:

---

---

right now its at 99% but i can pay down any time. the denial was around 3-5% at the time i applied for the card 2 months ago. I didnt get approve so i used up my credits and will pay down in january.

---

Especially if you have liquid cash to cover it, never ever let your CC post with balances like that again. From your post history it looks like you had a BK and then further derogs (CO/Collections) after that. IMO getting in with Sync is not the first thing you need to focus on, but behavior change around credit to prevent repeating the cycles you have been in.

[JoeRockhead]

---

@hoang817 wrote:

---

@unsungivy wrote:

Oof. At 99% you shouldn't be thinking about any Synchrony cards (which are primarily retail cards, which would just add to your CC debt).

Maybe think about a balance transfer card (but they're likely to deny you as well for the same reason).

---

right now its at 99% but i can pay down any time. the denial was around 3-5% at the time i applied for the card 2 months ago. I didnt get approve so i used up my credits and will pay down in january.

---

Even if you get it paid down for next month, while it will likely improve your scores,  you still may find getting approvals difficult. Lenders are still going to look at your history as a whole.  I'd recommend you never let any of your individual account balances report above 48% (preferably 28%) and your aggregate utilization go above 9%. 

The longer you can demonstrate the ability to manage your finances responsibly, the better your approval odds will get.