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Synchrony Bank

momof3boys081418
Valued Member

Synchrony Bank

How soon will Synchrony approve after BK7?

 

Cards that I would like 

-Old Navy

-Amazon

-Ashleys

 

I did burn all 3 in BK. What are the minimum scores? Would it be easier if my husband applys he did file but did not include these cards. 







*Goal is to purchase my first home in 2021*
Message 1 of 11
10 REPLIES 10
FiresOut
Super Contributor

Re: Synchrony Bank

Who else did you burn? Just curious. Why store cards? You may qualify for better cards. Were here to help anyone out.

Message 2 of 11
momof3boys081418
Valued Member

Re: Synchrony Bank

I burned every possible credit card out there citi, chase, BOA, Amex, Discover, Barclays (authorized user), Capital one, commenity (7 cards) synchrony (7 cards) 😞

I got a $300 Capital one platinum card not yet reporting
The reason I want store cards is because I shop there and old navy and amazon were my fav it really sucked when I had to let them go.

Don’t want to many cards I just want the ones I will use I never ever want to be in debt again.







*Goal is to purchase my first home in 2021*
Message 3 of 11
FiresOut
Super Contributor

Re: Synchrony Bank

I understand. Maybe others can help you on far out of BK you have to be to get back in with Sync. Some companies are easier than others. But the 3 above have different UW protocols. Congrats on the Cap1. Heavy usage and PIF each month helps with CLI's. In 3 months try the upgrade link to get it converted to a QS with cash back. Good Luck!

Message 4 of 11
GApeachy
Super Contributor

Re: Synchrony Bank


@momof3boys081418 wrote:
I got a $300 Capital one platinum card not yet reporting


You might want to wait for it to report, let some time accrue in between apps....that may help.  You can try the SCT (google it) to see if Synch and/or Comenity bites.....beware ymmv when it comes to sl/hp's vs sp's...yada yada.

But congrats on starting over and getting the CapOne door opened back up.  Time is on your side more than anything else.  Save those HP's the best you can. (patience)Smiley Wink

 

EDIT TO ADD:  Sorry, I got a little ahead of myself.  The reason I suggested SCT is because it's kinda like a gauge to see how those banks view you (for free, no hard pull....just don't pull the trigger).

"My Take Home Pay Don't Take Me Home"
Message 5 of 11
simplegirl
Valued Contributor

Re: Synchrony Bank

Synchrony has the amazon secured card now with the maximum amount of $500 & it can graduate in 7 months.








Starting Score: 494 503 521
Current Score: 503 507 507 2/19
Goal Score: 680


Take the myFICO Fitness Challenge





Goals:

Get First Home in Summer 2025
Message 6 of 11
ImTheDevil
Community Leader
Super Contributor

Re: Synchrony Bank

Agreed with @LauraC, but more to my thinking, those particular cards as I recall don’t offer any mind blowing benefits. Compare to Kohl’s, who provide extra stackable discounts, access to special sales for cardholders, plus the Kohl’s cash, which all make it a good card to hold. Those three I don’t believe provide nearly as much to make them worth their very high interest rates. You may well be better served using your HPs to get a good major card like Discover or Amex and earn some overall nonspecific rewards that you can apply where you choose.


Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | PenFed PCR | Navy Platinum | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





TCL $114,400 | Agg. Util 11%
Message 7 of 11
J-F168
Frequent Contributor

Re: Synchrony Bank

I was D/C in December and I could get amazon in may or june with TU 620's.  Sync was IIB.

EX 713
EQ 700
TU 679br >BK 7 D/C Dec. '16.
Message 8 of 11
momof3boys081418
Valued Member

Re: Synchrony Bank

I  looked up the SCT trick I dont think Synchrony does it. Im not really wanting an Comenity cards.

 

I was surprised Capital one gave me a card even before my discharge and they were included. I might just wait some months until my score goes up. 

 

Thanks, def don't want or need many HP's during my rebuild. 







*Goal is to purchase my first home in 2021*
Message 9 of 11
momof3boys081418
Valued Member

Re: Synchrony Bank

Thank you, I will mostly likely wait until my scores go up and a few months pass. 







*Goal is to purchase my first home in 2021*
Message 10 of 11
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