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Re: Synchrony Bank head scratcher

April 30, 2016, 9:11 am
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smoop88 wrote:

I'm baffled by this. I received a CLI on my dicks, banana republic, American eagle, SAMs cards 2 weeks ago. Results were

dicks 2k to 3500

banana republic 3k to 5k

american eagle 2k to 3500

sams 637 to 6k

walmart and Amazon denied remains at 3500

 

scores went up into a diff category Amazon and Walmart denied today

all increases via credit solutions

i don't get this I would think they would match SAMs obviously I'm wrong no missed payments no lates no new accounts utilization still at 17% before increases are reported.

im even baffled how I got the increases 2 weeks ago because my scores from my first set of sync bank February increases were about the same. I can only think of one thing. I initiated the SAMs increase via chat then was told to call into credit solutions that opened the floodgates for me at times they would have to send me a text message for security but I got the increases. Myfico has me at 664 CCT has me at 671 the above increases came from a 662 

Each of the Synchrony partners has different underwriting and criteria for granting a CLI. I'm sorry that two of yours did not receive CLI's, but receiving a CLI on one card from Synchrony is not a guarantee you will receive it on other Synchrony cards.

 

Plus, there is a certain overall exposure level that Synchrony may feel comfortable with in terms of each customer, and you may have reached yours. At 662 TU, they may feel that you have reached that threshold.

 

Try again in a few months with additional payment history and score increase and you may receive a different answer.  Congratulations on the CLI's you did receive. Smiley Happy

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bb and citi numbers not working

April 30, 2016, 7:20 am
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Hi everyone, I need to call best buy to recon my cli decline decision and tried all of the numbers in the sticky and they are not working. is there a backdoor number that is working that hasnt been posted yet? thanks

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Re: DW going on a spree?

April 30, 2016, 7:56 am
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tcbofade wrote:

I need a little help boys and girls.

 

Just paid down the last of DW's maxed out CC accounts.  She has a 30 month old mortgage, two dozen ish CC accounts, no lates, no baddies, ever.  Util is a bit high...  65% or so.  FICO's between 650 and 670.

 

Can't get any preapprovals to show up...  Cap One, Citi, Chase... nothing.  She already has a Slate, Simplicity, and It. 

 

We're looking for BT cards... 0% forever would be preferred. Smiley Happy

 

As of tomorrow, she'll be 2/24 for those concerned about Chase's 5/24 rule. 

 

I'm thinking Chase FU, Citi DF, Cap One QS and Venture combo, and perhaps a local CU card.   (Local CU won't give a great BT offer, but WILL give her a low interest rate)

 

Your thoughts?

Personally, I don't think a spree is a wonderful idea in this situation. Yes, it's great that the cards are no longer maxed out, but 65% is still high and that's probably part of the reason you will not get prequals.

 

I think you need to just plug along and pay down the debt as you best you can. I don't think any of the cards you mentioned would provide approval, but even if they did, you probably wouldn't get a large enough limit to do a BT anyway. I'm not trying to be negative, just realistic. That high util is not a good thing for current creditors to see, and then adding a bunch of new accounts - recipe for problems, IMO (again if the new accounts were even approved which unfortunately is not likely at this moment).

 

She has Slate and Simplicity, both of which are basically 0% or BT cards. I'm not trying to pry, but has there been progress on the debt since opening those cards? You don't want to just be shuffling debt around from new card to new card. Assuming the 0% on Simplicity and/or Slate hasn't expired, why not just utilize one of those for a BT?

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Re: Should i wait

April 30, 2016, 8:45 am
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This is my issue exactly. I have only 1 card that I am paying down and I was scheduled to be done in June, but I just found out my in-laws are organizing an impromtu family trip to Disney in July so I won't be at my preferred utilization until August now. I have 3 HP falling off in June so I was so ready. Can't wait to get my BCP in August! As a mom/wife the supermarket gets a lot of my business.
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Apple BarClay Card

April 30, 2016, 8:56 am
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First time applying for a BarClay card and the online said it needed further review and to call the number below to speed things up.  I did and they are requesting a copy of my SSN, DL and Utility bill.  Never had this asked before and wondered if it was new or something else?

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Re: Apple BarClay Card

April 30, 2016, 9:02 am
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Welcome to the board.  By asking for those documents, they just want to verify you and protect your identity.  So it is for your own protection and if you want the card, be sure to send it in.

 

Keep us posted on results.

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Re: App now or wait-Chase AARP 5/24

April 30, 2016, 9:04 am
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I can't get the card =\ congrats to New approvals. It's getting talked about a little bit more and I still consider it underrated.
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Re: bb and citi numbers not working

April 30, 2016, 9:04 am
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Sorry to hear about the decline but there are many Citi numbers.  What number were you ringing?  Just an FYI, you cannot recon a CLI decline.

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Citibank secured, with citi baddies?

April 30, 2016, 9:12 am
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Anyone been able to score Citibank secured card with bad history?  3 settled for less and paid CO's in 2013. I was given a Radio Shack Brooks Brothers and shell Drive for Five after those chageoffs, denied Best Buy.  The secured at Graduate gets converted to DC pretty easy and that's the only one I would want.  I know they are inq sensitive and I would probably get told no just on that, still curious. 

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Re: Chase Ritz Carlton approval odds. **Update**

April 30, 2016, 9:12 am
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Lol I will be disappointed if I don't get appproved since I was "recommended for approval and see no reason why it wouldn't be approved" and other lady hinted of an approval. Hell I'd be happy with the 5k credit line at this point.

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Sportsman's Guide Pre-approval...take it or leave It?

April 30, 2016, 9:29 am
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The other night I was bored so I decided to see if any of the Comenity bank VISA sig cards would pop up for me and I got the Sportsman's Guide Visa to pop up. I didn't take it. Few minutes ago I received a preaproval letter in the mail. With all that I'm hearing about Comenity closing accounts, I'm a bit leary about this one. Any thoughts?

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Re: Sportsman's Guide Pre-approval...take it or leave It?

April 30, 2016, 9:42 am
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I would personally pass unless you do camping and the likes where you are able to utilize the card.  If it is just for getting it I would pass and well they are comenity as well and they kinda stinkSmiley Happy

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Re: bb and citi numbers not working

April 30, 2016, 9:45 am
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I tried all of them lol the eo are not available on the weekends is that the number where I could be helped?
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Re: Sportsman's Guide Pre-approval...take it or leave It?

April 30, 2016, 9:46 am
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You know your credit best. Would you give credit to you? I came on this site a lot and it seems that Sportsman's Guide is one of the safer ones to have. people who lost it lost all of them asthey had excessive accounts, or opened a bunch of accounts with other Banks recently
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Re: Citibank secured, with citi baddies?

April 30, 2016, 9:51 am
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I just got an approval for the Citi secured card with a BK from 3 years ago and a TON of new accounts and inquiries. I have other Citi retail cards so not sure if internal score with them matters. I have a ton of unsecured cards many with good limits but the only reason I went for it is because in 18 months it will graduate and PC to double cash like you mentioned. Otherwise Citi won't approve until like 7 years post BK for their regular cards. Hence my decision to app for it.

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Re: Synchrony Bank head scratcher

April 30, 2016, 9:54 am
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Thanks i was under the ompression that there was a max amount depending on the score
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Re: Sportsman's Guide Pre-approval...take it or leave It?

April 30, 2016, 10:10 am
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Thanks to you both. I've made up my mind. this one is going in the shredder ASAP. I have three Comenity cards from stores I shop and that's enough. Plus the APR is not enticing at all.

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Re: Nordstrom retail card question

April 30, 2016, 10:11 am
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Don't worry. The same happened to me too, and I just got my Nordstrom card yesterday.

 

Actutally one week after I mailed the documents to them, I received a letter from them saying I was denied due to "unable to verify information". I called them and the rep said I was approved and my card should arrived in 7-10 business days.

 

I think they wouldn't bother you to send the documents if you were not qualified.

 

Good luck!

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Re: Nordstrom retail card question

April 30, 2016, 10:32 am
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When I applied, I was approved immediately, but my friend applied right after I did from my computer at work and she had the same thing happen.....they just had her send the items in for verification purposes. She was approved and got her card in like 2 weeks.

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Re: Discover Secured and Unsecured

April 30, 2016, 10:36 am
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dragontears wrote:
I have not heard of anyone having a secured and an unsecured IT card at the same time. I have heard you need to wait a year between opening to get 2 discover products (i.e. IT and Miles)

I haven't heard of it either!

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