VattenÃ© wrote:I forget, did you mention why you got the store-only version instead of the MasterCard? Maybe you could see if they'll let you PC to a MasterCard just so you don't have to worry about putting a small charge on it once every few months. That is, if you're not too worried about monitoring another account that could be used anywhere if compromised.
Synchrony only approved the store card and a $1,260 limit. My understanding is that the application is first reviewed for the MC, and if that isn't approved, then the application is reviewed a second time for the store card. So Synchrony did decline me for the MC but approved me in their 'second round decision' for the store card.
Since Synchrony had already turned me down once for both cards (one application in 2012 when I had no history), they have in a sense declined me for a total of three cards (2012 MC, 2012 Store, 2014 MC).
I was a little
surprised at the $1,260 limit, since my other limits at the time were all between $2k and $6k and I had a 730 TU.
I could have earned better rewards with the MasterCard in the first two months of the account's history (but only slight better). Since Synchrony doesn't communicate with Mint, CreditKarma, or other sites like that, I'm happier with it as a store card.
I'd rather have the card closed due to inactivity than have to go through a fraud dispute with Synchrony.