What are my Synchrony Premier approval odds?

You can check for Synchrony Bank pre-approval online for certain credit cards. Plus, like all major credit card issuers, Synchrony Bank also mails pre-approved offers to certain people who appear to meet the criteria for one of its nearly 100 cards.

Generally, a pre-approval tool allows consumers to gauge the likelihood of getting approved for a credit account before they apply. Pre-approvals use ... read full answersoft inquiries of your credit, so it will not affect your credit report. A pre-approved offer does not guarantee you’ll get the card, but it does mean you have a 90% chance of approval, though.

Here is some additional information on checking for Synchrony Bank pre-approval:

• Synchrony allows potential applications to check for pre-approval online for certain credit cards. Keep in mind that not all Synchrony Bank cards offer this feature.
• Synchrony also pre-screens customers by using data compiled from three credit bureaus: TransUnion, Equifax, and Experian. Plus, it mails prepaid offers to consumers who have at least fair credit (a credit score between 640-699).
• To receive a credit card after being pre-approved, you still need to apply. If you received a pre-approved offer, you can mail the application back. You may also apply online or by phone, depending on the card. In the case of a store card, you may also have the option to submit an application in person at the store.

If you receive a pre-approved credit card offer, make sure it is for a card you think would be worthwhile. Be selective and don’t apply in response to every pre-approval you receive. Getting pre-approved for lots of credit cards won’t hurt your credit, but applying for many of them in a short period of time can.

No, the Synchrony Premier Card does not have a 0% APR intro period for new purchases. If you’re planning on making a large upcoming purchase and you don’t anticipate paying off the balance for a few months, the Synchrony Premier Card is not a great credit card to use.

Alternatively, you can check out the ... read full answerbest 0% APR credit cards of 2023, selected by WalletHub’s editors from 1,500+ offers. Just keep in mind that many cards with a 0% APR intro period for new purchases require good or excellent credit for approval. You can check your credit score for free on WalletHub to gauge your odds.

To contact the Synchrony Premier World Mastercard® reconsideration line, call 1-844-406-7427. The Synchrony Premier Card reconsideration line is a way for denied applicants to request a second review of their application and potentially get the denial overturned. In the case of Synchrony Premier, the reconsideration line is the same as the general Synchrony Bank customer service number.... read full answer

If you call to request reconsideration from Synchrony Bank, make sure you are prepared to make an argument for why you should be approved. You will typically only have a shot at overturning a denial if you can prove that your financial profile is better than it appeared on your initial application.

For example, if your credit score went up significantly or you got a raise since you applied, you could argue that you are now more creditworthy. Alternatively, if you were denied because of incomplete or incorrect information on the application, you could ask for reconsideration after fixing that error.

At the end of the day, you probably won’t be successful in overturning your denial, but there’s no harm in trying.