u/Ok-Nefariousness2529

I have checking & savings account with capital and I love the set up and the HYSA is pretty decent I guess, also have 4 CCs thru them and that’s where my issue comes into play. I spend money on my cards, my savor I got in February and spent well over $6k on that card alone. And yes, I tried that little bs trick of letting a balance report then pay off and nothing.

I hope they don’t ruin discover, I really hope

I use my Amex gold and synchrony MC more these days because unlike capital, synchrony gives massive increases very frequently

Is that bonus gonna just keep dropping?? My gf got a $400 offer, I got a $300 offer and now I’m seeing advertisements saying a $250 bonus lol

Is that normal for synchrony bank? I got a $500 increase in April and now another $500 in June?

Other cards I have with capital etc. give very tiny increases after 6 months, these guys been generous with their increases?

I also have the Mastercard from synchrony and the care credit card and got a $500 increase on both cards within only 90 days
Lowe’s card on the other hand is 9 months old and nothing. When i request the reason is not enough time with current limit.

*if it makes any difference, i did get my due date changed on this card 3 months ago*

I currently have 2 accounts, a V1 that was a upgrade from QS1 ($500 limit)
and a QS that was upgraded from a platinum ($500 limit) (had $1300 limit but moved $800 to my savor account since I use that card more frequently)
Both cards I believe are stuck in a bucket because I gotten them when my credit was poor, over a year old both accounts. Now my credit is much better currently at 693 fico.

Basically, should I close these accounts and re apply for QS now with better credit or will they not take me if I close these accounts? Any advice would be appreciated

Can anyone verify this before I go grocery shopping

So I saw someone say the first 4 numbers of your card number determines if you’re dropped in a bucket or not? Can anyone possibly verify this? I had mid credit when I got 2/3 cards..

Savor $1,300 limit and starts with 5156
QS $500 and starts with 5178
V1 $500 and starts with 5156

Shocked to see the Q3 earnings are 5% back at the pump! With these prices I’m excited to earn back from filling up. New discover, got my card in April and absolutely loving it so far 👍🏻

~700 credit score? Congratulations, $500 limit

~On time payments for a year? Congratulations $100 increase

~ advertising with creditwise but pulls from your fico3, (credit wise displays your fico8 TransUnion)

~ 9 collections, 5 missed payments and a 430 score? Congratulations $5000 limit

So I had my balance at $0 when discover pulled their statement, so it posted that I had no minimum due. So I spent $102 the next day and after a few days that $102 hit my credit report? So I’m a bit confused here.

If they pulled $0 and said I have no min due then how or why did the $102 post to my credit profile a few days afterwards?

P.S this is a new card and my first bill cycle and the app isn’t showing my actual statement letter

Some background, I have a 698 credit score with $14,120 available credit, only $800 in credit card debt. Roth 401K with company match. I don’t have much debt but I do have a car I got brand new in 2024 at a 5.9 APR. I wanna start making extra principal payments to get it paid off sooner but I also have no HYSA.
So my question is, I wanna send $1,100 to my principal but I also want to start a savings account with that $1,100. I’m torn. Any advice would be appreciated

As a starting card from a actual well known bank it’s a great start, they was one of my first cards, I now have 3 cards thru them plus a kohl’s card that is through them and overall it hasn’t been to horrible but just some feedback after 2 years

1. CLI are like pulling teeth, 6 months of on time payments you get $100, if you’re lucky. Some get more, some get nothing

2. A 700 score and a 500 score can literally get the same card with the same limits. that is actually nuts. I seen it happen personally, several times

3. The app displays a fico8 TransUnion score, and many go by that score THINKING that’s what they use, but it’s not, they actually use fico3. Extremely misleading

4. It’s almost like they’ll give anyone a card, like anyone. I literally seen a 520 score get a $3k limit while a 683 score gets $300. Absolutely wild

Before you go crazy let me explain! I have 3 cards from each bank
691 CS
I had my synchrony Mastercard 3 MONTHS and got a $500 increase totaling $2000.
I had cap1 QS for 1 1/2 years and got $100! Total of $600.
Same with care credit, $500 increase in 90 days.

That’s just wild imo

I have a hard time finding any positive things about synchrony bank, I currently have 3 cards thru them (Lowe’s, Carecredit & synchrony Mastercard) and never had any problems aside from customer service could be better, had them almost a year. So why is their feedback so negative? Something I’m missing?

Credit Karma is wild lol Ikik not many lenders pull VS3 but I have the app because it is a clean view of my balances.

That being said, it’s funny when I look at cards and some say my approval is poor while I literally have that card with a pretty good limit.

As the title implies, my wife recently got approved for the savor with a $500 limit, with a score of 520 and $9K in collections etc.

Me, 700, no collections, gets approved for the same limit, same card.

Either she’s lucky, I’m unlucky or cap is a joke

I closed a credit card & my score dropped 100PT!!

Jk, I closed a $300 card I was no longer interested in keeping, had it opened for 5 months and I was worried about it effecting my profile, the rumors scared me but I wanted it gone.

Turns out, it changed absolutely nothing but my utilization increased a little by 1%. Didn’t effect my age or score like pple said it would