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What credit score do you need to get a synchrony card

Between gas, maintenance, insurance and monthly car payments, a car can cost you thousands of dollars a year. Sometimes you can plan for significant car-related expenses, but pricey repair bills have a habit of coming out of nowhere when you might not have the money to afford them. It’s a good idea to have an inkling of whether you’re likely to be accepted or rejected for this card before you apply. This is because applying for credit will lead to the lender making a hard inquiry, which can result in a temporary drop to your credit score overall.

The Synchrony Premier doesn’t provide many benefits, and the most glaring omissions are no welcome offer and no intro APR on purchases or balance transfers. This type of credit card makes sense if you want straightforward cashback rewards and tend to have a wide variety of expenses.

The AEO Connected Visa Credit Card earns 15 points per $1 spent at American Eagle or Aerie stores. Neither version of the Sam’s Club Mastercard has an annual fee, but they do require a Sam’s Club membership.

So, whether you need a root canal, a new pair of glasses, or a check-up for your furry friend, CareCredit has got you covered. You can have more than one promotional financing balance on your account at the same time if you’ve made multiple eligible purchases. To boost your chances of being accepted, it’s best to get your ducks in a row before you apply. Check your credit report and make sure it’s free from errors and that there aren’t any late payments marked on there. Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our marketing partners don’t review, approve or endorse our editorial content.

However, a “soft inquiry”—which includes instances when you check your own credit or when a lender checks your credit to pre-approve you for an offer—will not. The $0-annual-fee Synchrony Car Care credit card offers six months of no-interest promotional financing on eligible car-related purchases. But compared with credit cards that offer true 0% APR offers, this card is relatively inflexible and could leave you paying a lot of interest if you’re not careful. Synchrony doesn’t specify what credit score is needed to qualify for CareCredit, and it doesn’t tell customers which credit bureau it uses to get credit reports. Cards that work in a similar way, such as proprietary store credit cards, generally have low requirements when it comes to credit scores.

How Does Carecredit Work?

The information regarding the Mattress Firm Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. Even if you have poor credit, you will likely be approved for this card. You will not be able to do anything other than paying your balance when you log on in this manner. If you receive your card and it has a sticker on the front, you will need to call the number listed on the sticker to verify your information and activate your account. When it comes to earning miles and points for travel, Synchrony has almost nothing to offer. The Cathay Pacific Visa has its place, but it’s definitely not for beginners. For every 1,000 points you earn, you will receive a $10 certificate that can be redeemed at any of the stores in the TJX family.

  • If you get a detailed report, you’ll also be able to see exactly what is hurting your score the most so that you can start repairing the parts causing the most damage.
  • Then, CareCredit will do a quick credit evaluation to determine your eligibility for financing.
  • See our advertising policy here where we list advertisers that we work with, and how we make money.
  • They are one of the main issuers of store cards and store credit cards.

Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate.

Remember To Include All Your Income In The Application

By clicking “Enroll,” you agree that Synchrony Bank may request information from consumer reporting agencies to fulfill this program and any successor free credit score program. Scores are available online only to primary cardmembers with an open account. They have some of the most reliable credit cards available, including cards for just about every credit score. So if you’re worried about approval, you may be able to find something in Synchrony Bank’s product line. Of course, you can’t lie or manipulate the numbers to make your income look higher than it is. But any source of regular income you receive should be included.

The Synchrony Premier World Mastercard doesn’t provide multiple redemption options for your cash back. Rather, your cash back is applied as a statement credit within two billing periods after an eligible purchase. But this isn’t the card to use if you want to earn a welcome bonus or take advantage of an intro APR offer.

Your credit applications have a higher chance of being declined. Contact your lenders and negotiate with them to set up a payment plan or to settle the debt. Request a copy of your TransUnion report, wait four months, then request a copy of your Experian report, wait another four months and request a copy of your Experian report.