I was surprised to get approved for a Lane Bryant card after being denied for a Walmart card. I assume it is because Comnity Bank uses a different crieteria than Synchrony Bank. I am not able to get any approvals through Sync. I was approved for a Lane Bryant card yesterday and only applied for it because I was shopping for my mother and go $20 off a purchase. I really didn't think I would get approved but I received a $300 CL.
I got approved and recieved a coupon code for $20off if I used it the same day. Unfortunatly, I was not able to use the coupon, life got in the way! So I went back today to try and use it. It declined. The chat representative gave me a new coupon for 25% off. Which isn't the same I know but she atleast tried. Thats more than I can say for some other companies.
The fact that I can pay online and hae chat access to customer service gives this company an A in my book. I like web access since I spend most of my time chained to my desk while working and speaking to clients. I can easily access my account online and chat with a rep if needed. I hope to be able to increase my CL after a few months. The intrest is quite high though I expect that with my credit at this point. However, the whole goal is not to carry a balance so it shouldn't matter.
I will maybe use this card twice a year for Mom's birthday and mothers day. I have been rebuilding my credit after a nasty divorce including a even worse seperation. My CS plummetted to 505 TU. I currently have a secured Cap 1 with $500 CL, Discover It Secured 300 CL, Credit One unsecured 400 CL, Matrix unsecured 500. CL. My total usual utilization is just under 20% but I just started my road to repair 3/22/16. With time I should be able to build my credit.