I applied with a pretty low cs of 568 I got approved for a 1900 limit. If you make your purchase amount over $149, you will have 6 months of no interest. So when you need to purchase make sure you purchase a few items that you will need to hit that 149 amount, and that will give you six months to pay that off with no interest. It's worked wonders for me especially just buy household items in bulk like paper towels and toiletries. Just make sure you pay that balance before the 6 months because the interest accumulates every month and by the end of the six months you will pay all the back interest. Also if you purchase anything under 149 make sure that full balance is paid off by your next statement ALONG with the minimum payment due or they will hit you with interest charges for that purchase you made under the 149. Yes the card has a very steep interest rates but if you plan well and budget and do it this way, you will never pay interest.
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With a score of 730-740 I got instantly approved with 4k credit line. Two days later they closed account without notice and customer service is unable to give me the reason for it, leaving me with a dip in credit score from hard credit check. While rewards seem good, Synchrony is the worst bank I've dealt with.
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