Synchrony Amazon Prime Store Card - Inquiries

[Trudy]

Good Day,

Considering how frequent I use Amazon and more so now since I have no clue how long I'll be working from home I just applied yesterday for a store card while shopping on Amazon.  Lat night I received several alerts from CMS and CC companies who provide TU report info that there was an inquiry, 11/15.

However, I received an email from Amazon last night that I need to call to verify additional information.  Did so this morning and approved.  However, I received another alert today from the same CMS that an inquiry hit my TU account.  I called back and was told it would only count as one.  To me it seems like 2 separate inquiries as one was on 11/15 and the other 11/16.  Any idea if they are correct that it will only show as 1.  I know CC inquiries are not binned so I'm a bit concerned.

[Anonymous]

@Trudy Congrats on your approval! I have not heard of Synch requiring multiple pulls of the same cr for approval. Have you pulled your TU report to verify that multiple hard inquiries were posted?

[Trudy]

Thanks for your reply.  My report provided through 2 of my CC do show 2 inquiries.  It seemed clear the person I spoke with had no clue even after he put me on hold to further inquire.  I've not had an INQ requested or completed on TU for over 2 years.  Considering I was told by Sync (albeit not confident in their response), wonder if I can dispute 1 of these.

[Anonymous]

@Trudy Thank you for confirming. I do find it unusual that they pulled your report twice especially over identity verification. 

I did some research on the forum and it appears this occurred for some people several years ago. The extra inquiry was removed and believed to be due to a system glitch. 

I believe you should wait a few days to a week to see if it is removed automatically.

If not, try calling Synch and ask that they remove the second inquiry. Request to speak with a supervisor and explain the situation.

[Trudy]

Thanks @Anonymous.  Could you possibly send me a link to the thread so I can try to gather a bit more information.  I was unable to locate.

[Anonymous]

@Trudy Here you go:

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Synchrony-double-HP/td-p/5435307/page/2

I searched via Google for Synchrony double pull myfico.

[Trudy]

Thank you!

[Anonymous]

congratulations on the approval. I had this happen to me when I got it 2 years ago. Previous statement was correct in my case. I was told the 2nd HP would be removed and it was. For sure keep an eye on it though. I hope you like the card as much as I do mine.

[Trudy]

By the way, still fighting the extra INQ.

Maybe I should start another thread but I had my reporting timing down to nearly a science until getting this card.  They reported a balance  shortly after reporting new account, assumed that was the close date.  Paid off and reported $0, as of 12/16 (report date), assumed I figured out the actual close date since this one came with my 1st statement seemingly supporting this.  Then I received an updated reported balance 12/29 due to another charge (13 days after $0 balance statement).

I'm clueless how this card reports.  I heard of some cards reporting zero balances off cycle.  This card seems to report every time it zero's out and every time a charge hits.  I'm confused.  Any rhyme or reason to this cards reporting cycle?  My only statement showed a closing date of 12/16, which was zero.  Then a new charge in late Dec reported????

[FinStar]

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@Trudy wrote:

By the way, still fighting the extra INQ.

Maybe I should start another thread but I had my reporting timing down to nearly a science until getting this card.  They reported a balance  shortly after reporting new account, assumed that was the close date.  Paid off and reported $0, as of 12/16 (report date), assumed I figured out the actual close date since this one came with my 1st statement seemingly supporting this.  Then I received an updated reported balance 12/29 due to another charge (13 days after $0 balance statement).

I'm clueless how this card reports.  I heard of some cards reporting zero balances off cycle.  This card seems to report every time it zero's out and every time a charge hits.  I'm confused.  Any rhyme or reason to this cards reporting cycle?  My only statement showed a closing date of 12/16, which was zero.  Then a new charge in late Dec reported????

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This is typical SYNCB off-cycle reporting behavior on a variety of their CCs.  For someone who may follow a strict AZEO routine, this specific tradeline may throw a wrench in optimizing results.  Unless this card is selected as the "One" in the equation. Of noteworthy, these events will vary for others, meaning older [SYNCB] Amazon CCs are unlikely to have such erratic outcomes.