Approved for the store version with TU-569 Credit Karma score.
Issuer: SYNCB (Synchrony Bank)
Hard inquiry: do 1 for Transunion
Hard Inquiries total: 17 previous/18 now
(3 previously from SYNCB in 2015, 2 for Syncb/walmart, 1 for Syncb/amazon, all three DENIED)
Average Age of Accounts: 1 year 1 month
Credit cards utilization: 63% across all 7
No collections on accounts.
1 missed payment on a closed loan from February 2016.
3 serious missed payments in an open student loan 3 years ago.
2 charge off from mobile companies
19 open accounts in good standing
My other scores EQ-711/EX-637
(Credit Karma & Credit.com scores.)
My first time with Synchrony, I tried to enter for 10 YEARS and finally did it!!! I apply online and the system give me the message "you're almost done, we need more information. Call us within 48 hours". I call the next morning, talk to the CSR and she put me on hold 2 minutes. Then she come back and say: Congratulations you are approved, your CL is $150 and your card will arrive in the mail within 7-10 days!! Very low CL but happy for the entrance to SYNCHRONY with 569 Credit Karma Score/ 671 Synchrony Bank Mail Letter.