@babygirl1256 wrote:@Jordan23ww Congrats on your Synchrony Sam's Club card approval . . . that was fast and a bummer but the score drop should bounce back real soon!!!
@babygirl1256 Thank you so much! Thankfully I'm not concerned about the score dropping a little. On MyFico I only lost 1 point on Experian but didn't lose anything on Equifax or Transunion. Thank you for those well wishes though on it bouncing back.
@Anonymous wrote:@Jordan23ww Wow that was incredibly fast. My fastest was a personal loan from Upstart. It reported one week later, and I was surprised at how fast that was.
@Anonymous oh wow! That was also extremely fast!😳😱
@Ilinferno wrote:Nice approval, congrats! Synchrony reported my balance about 3 or 4 times a month for the first few months I had the card just as an FYI. After that it settled into a monthly report after statement cut.
@Ilinferno well you warned me about this and today it happened to me! I got MyFico alerts regarding my Sam's Club card today dated 8/11/22 with a balance. My closing date isn't until the 17th of the month. I called Synchrony just to confirm my closing date and they confirmed my date is the 17th and my August statement is still open. I do AZEO and like my card to report as close to 1% as possible. It's reporting at 15% currently and I had planned to pay it off or down considerably in the next day or so to report a low balance. They said if I pay before the 17th that the new balance will be updated again to the bureaus when the statement closes. That was good to hear. I know utilization has no memory but I still try to avoid reporting anything over 9% and the closer to 1% the better for me. Thank you again for warning me about this!
Hey! No problem haha. At least it was only 15% and it will update soon. But I definitely understand wanting to keep it under 9% if only for peace of mind 
Synchrony Bank does not play around. They are a subprime lender so they have to be faster than you think so that they can steak claim and warn other lenders of conflict. Most normal customers for them barely qualify for credit and if they do not pay attention the customer will ask multiple lenders to fill what little credit they qualify for.
