My Credit Card Application Was Rejected By Synchrony & It’s Laughable
My credit card application was rejected by Synchrony, and the process has been comedic. A rejected application isn’t exactly newsworthy, but the fact they didn’t even process my application is getting there. The reasoning from their employees is just laughable. Here’s why my credit card application was rejected.
I applied for the Cathay Pacific credit card from Synchrony Bank. As you see in the welcome offer above, you can earn 40,000 Asia Miles after spending $2,000 in the first 90 days. I figured it was worth an application and filled out the info online here.
I Knew Something Was Fishy
The fact I didn’t get any “someone checked your credit” alerts set off a red flag. I gave it a few days and then decided to call. After getting bounced around a bit, I got the phone number for this specific card:
Cathay Pacific Credit Card information / reconsideration 866-273-9026
Write that down if you need it. Every Synchrony credit card has a different reconsideration/information number. That’s the number just for this card.
I told them I’d applied, no one checked my credit, etc. The man on the phone confirmed they’d received my application & that it was rejected. He was “not at liberty” to discuss anything about my application and told me to check my email. I promised him I’d received nothing (yes, even in my junk mail, I swear!!). He told me to wait for a letter in the mail.
The Letter Comes, And It’s Mysterious
My letter came in the mail, and it’s odd.
“Your request was denied for the following reason(s):
High risk source of application”
Um, what does that mean? I was rejected for this singular, strange reason.
Phone Rep 1 Is A Space Cadet
I called to inquire what that meant. I knew they’d never pulled my credit, so this means something outside the norm. The first guy I talked to readily admitted that he doesn’t handle applications / reconsideration but also told me a few times he wouldn’t pass me to them. He seemed to “know it all” and wanted to tell me that a rejection is a rejection is a rejection.
“You didn’t check my credit. I don’t think that’s it.”
Then, he offered up this gem:
“Oh, that means we couldn’t find you. You must first sign up with the credit agencies, so they can have your information on file. Then, you can apply once you have a credit agency you work with. You can choose Experian if you want. That’s a good one.”
What in the…
How does this guy work at a bank?
I explained that I understand how credit works and that my application wasn’t processed. After much hemming & hawing, he agreed to transfer me to the reconsideration people.
Phone Rep 2 Is Helpful But Has Weird Advice
After being disconnected, I called back. Phone rep 2 gave me some information, but it was just plain weird.
- my application was never processed, which I knew
- this “high risk source of application” line means their IT system automatically rejected my application without sending it to a credit reviewer
- likely reasons for this are
- using public wifi, so your IP matches another application
- using a shared computer at the library or similar
I told her I’d applied while sitting at my family’s house in Florida last week. No one but me uses my computer, it’s not public wifi, etc. None of those reasons seem to match my situation. Her response is puzzling:
“We are aware that our IT system rejects applications without a good reason. Some people have told me they had to apply 3 or 4 times before the application ever went through. I have been told that applying via mobile device can increase your chances. Unfortunately, there is no way to apply by phone or mail.”
The fact this problem is prevalent enough that they know enough about it to develop a workaround is definitely an issue. The fact they recommend this workaround, instead of fixing it, is just plain nonsense. Is this Citi’s IT team??
Another Application, Same Result
Since phone rep 2 told me I’m free to apply again, I asked a friend to try on my behalf. He cleared his internet history and then filled out the info I gave him. Perhaps a different computer, different browser, and new IP wouldn’t wind up in the trash bin. The result?
No credit pull. No alerts. Nada.
We are heading into the same issue. I guess I’ll try a mobile device next time, but this is nonsense. It reminds me of Benjy’s attempt at applying for the Best Western Rewards Premium Mastercard from First Bank of Omaha. They had some laughable IT issues with his application also.
Credit Card Application Rejected By Synchrony – Final Thoughts
I like Asia Miles, though the program has some quirks. As long as this offer of 40,000 miles sticks around, I’m willing to give this application a few more tries. It really shouldn’t be this complex, though. The fact they have a “we know our IT sucks” response for customers is laughable. I’ll give it 30 days and then try again. I’m hoping the 3rd time is the charm.
Anyone else had odd experiences applying for the Cathay Pacific Visa from Synchrony? Got any tips for the application going through?