Is Synchrony Bank easy to get?

Asked by: Jeanette Turcotte Jr.  |  Last update: October 9, 2023
Score: 4.8/5 (5 votes)

WalletHub, Financial Company
It depends on the credit card you are interested in. Most credit cards offered by Synchrony Bank are designed for people with fair (640 – 699), good (700 – 749) or excellent (750 – 850) credit.

What credit score do you need to qualify for Synchrony Bank?

With that said, most of Synchrony Bank's cards are store credit cards, so if you're looking to get one of those, anything above 650 should get you approved.

What credit score do you need for synchrony home?

What Credit Score Is Needed for Synchrony Bank Credit Cards? Are you thinking about applying for a Synchrony Bank credit card? The minimum recommended credit score for this credit card is 600.

What is the easiest synchrony card to get?

Easy Credit Cards To Get (Low or No Credit)

We recommend the The OpenSky® Secured Visa® Credit Card which doesn't require a credit check and is a solid option for those looking to boost their credit score.

Does Synchrony Bank do a hard pull?

Synchrony Bank will have done a hard pull to check your credit as part of its evaluation of your application. Hard inquiries can have a negative impact on your credit scores, and they can show up on your credit reports for up to two years.

Is Synchrony Bank Good or Bad? (Maybe both.) - A Synchrony Bank Credit Card Review / Ramble

44 related questions found

Which Bank gives credit easily?

1. HDFC Bank instant approval credit card. HDFC Bank credit cards are not only 100% secure, but they also provide instant activation and ownership.

Does Synchrony check credit?

When you apply for a card from Synchrony, the lender is most likely to check your credit report from TransUnion. In fact, Synchrony uses TransUnion nearly exclusively.

Does Synchrony hurt your credit?

Yes, Synchrony Bank, like any other issuer for that matter, will do a hard pull when you apply for a credit card.

What credit score is needed for Sam's Club credit card?

The credit score needed for the Sam's Club® Credit Card is at least 700. That's in the “good” credit range but barely meeting a card's minimum requirements is far from the ticket to high approval odds. You'll need income to make your payments, and the issuer will look at several other factors, too.

Can I get a Walmart credit card with a 520 credit score?

The Walmart Credit Card credit score requirement is “fair” for both the Walmart Credit Card and the Walmart® Store Card; that's a credit score of 640+.

What kind of credit card is Synchrony Bank?

Synchrony Bank might specialize in retail credit cards, but it also offers a number of additional consumer financial products, such as money market accounts, IRA CDs and other types of credit (like travel rewards cards, medical credit cards and even automaker-branded cards).

Is Synchrony a regular credit card?

SYNCHRONY is a leader in consumer financial services with 89 years of retail heritage. Our consumer finance business is the largest issuer of private label credit cards in the U.S. and encompasses three sales platforms: Retail Card, CareCredit and Payment Solutions.

What credit score do you need for the Amazon credit card?

You must have a good credit score of at least 670 to be considered for either of the co-branded Amazon Signature Visa cards. Amazon also offers two store-only cards that are not credit cards and can only be used for purchases on Amazon.

How do you get approved for a Target credit card?

Here are the Target Credit Card requirements:
  1. Minimum credit score: 640 (fair credit)
  2. Age requirement: 18 years old.
  3. Income requirement: Enough to afford monthly payments (wages, investments, etc.)
  4. Citizenship: Must be a U.S. citizen with a valid SSN.

What credit score do you need for Costco Citi?

You must have excellent credit to get approved for the Costco Anywhere Visa® Card by Citi. That generally means a credit score of 720 or above. Is the Costco Anywhere Visa the best credit card for gas? If you want rewards that are more flexible than Costco rewards, see our top picks for best gas credit cards.

What is the problem with Synchrony Bank?

Overview. Synchrony Financial has a consumer rating of 1.09 stars from 56 reviews indicating that most customers are generally dissatisfied with their purchases. Consumers complaining about Synchrony Financial most frequently mention credit score, good standing and minimum payment problems.

Does Synchrony do a soft pull?

It is worth mentioning that when you request or get an automatic credit limit increase, Synchrony will conduct a soft inquiry on your credit report, which does not hurt your credit score.

Is Synchrony Bank a good bank?

Synchrony Bank is a solid online bank with competitive interest rates on savings, money market, and CD accounts. It is a good option for consumers who are happy with their current checking account but want to earn a higher rate of interest on their savings.

Does Synchrony Bank use FICO or Vantage?

The credit card issuer Synchrony Financial used FICO's top competitor, VantageScore, on a recent $1 billion securitization deal. VantageScore, which is owned by the three major credit bureaus, remains far from dethroning FICO from its dominant role in the industry.

What credit cards can I get with a 590 score?

Best credit cards for a credit score of 580 or lower
  • Best for cash back: Discover it® Secured Credit Card.
  • Best for building credit: Petal® 2 “Cash Back, No Fees” Visa® Credit Card.
  • Best for no security deposit: Credit One Bank® Platinum Visa® for Rebuilding Credit.

What are instant approval credit cards?

Instant approval credit cards, sometimes referred to as guaranteed approval cards, are a convenient way to take the guesswork out of the application process. Instant approval simply means that when a person applies for a credit card online, he or she receives a quick decision, typically within a few minutes.

What credit score do you need for PayPal credit?

The minimum PayPal Credit Card credit score required is 700, which is good credit. As long as you have at least good credit, you should qualify for the PayPal Credit Card. If you use PayPal and eBay a lot, or like to eat at restaurants, it's worth the hard inquiry.

What is the easiest Amazon card to get?

If you're an Amazon Prime member, go with the Amazon Prime Rewards Visa Signature Card. Otherwise, your decision is easy: Choose the Amazon Rewards Visa Signature Card. It's nice to know that these two Visa Signature cards are somewhat interchangeable depending on your current Amazon Prime member status.

What score do you need for a Best Buy credit card?

So, what credit score do you need for a Best Buy credit card? In general, you'll need a good credit score to be approved for the top Visa card (generally 700-749). Otherwise, you'll likely need a fair credit score (generally 660-699) to qualify for the standard Best Buy version.

What score does Apple Card use?

There are multiple FICO Score versions available for lenders to use. Apple Card uses FICO Score 9. FICO Score 9 ranges from 300 to 850, with scores above 660 considered favorable for credit approval.