I Finally Got The Cathay Pacific Credit Card. Why Was It So Much Work?
After a bunch of head-scratching over their weird process, I finally got the Cathay Pacific credit card. I’m pretty baffled by the process from Synchrony Bank here. At least there’s a happy ending.
Back in April, I posted about my laughable experience applying for this card. The Cathay Pacific credit card from Synchrony Bank offers 40,000 AsiaMiles after spending $2,000 within the first 90 days. I applied and received a rejection letter saying I used a “High risk source of application”. After some phone calls, no one at Synchrony could really explain this. A quick Google search says I’m not alone here. The only thing Synchrony could tell me was to wait 30 days and try applying again using a mobile device.
Weird, but OK.
I submitted a new application from my phone 2 weeks ago. When applying, I made sure location services were on, etc. I didn’t want there to be anything weird-looking, like I’m trying to hide my location, not using a VPN–none of that.
A week later, I got this letter in the mail saying they need me to do identity verification. I called, and they directed me to verify.syf.com
When I went to the website, I got this message that I must use a mobile device. What’s with Synchrony and mobile devices?
Using my phone, I had to take a video of myself moving my eyes and had a bit to show I’m a real person. Then, take a picture of the front and back of your ID.
From here, I got a passcode. The website directed me to call and tell them my Cathay Pacific credit card application is complete. Note that this is a different number than on the letter I received in the mail. Weird.
They also sent me the code and instructions via email.
Calling Synchrony Again
After completing the application, I called Synchrony. They asked if I was the one who submitted the Cathay Pacific credit card application, if I was the one who did the verification, etc. I answered “yes” to everything and gave them my code.
After about 30 seconds on hold, the agent told me they approved my application. I only got a credit line of $1,500, but it’s still a win.
This is easily the strangest credit card application process I’ve been through. It looks like I’m not alone in this process, but that doesn’t mean it makes sense at all. This is just security theater, in all reality. But a win is a win, right?