You can check for Synchrony Bankpre-approvalonline for certain credit cards by visiting the affiliated brand’s website before applying and filling out the required information. Generally, checking for pre-approval will help you assess your approval odds before submitting a credit card application. Just keep in mind that not all Synchrony Bank credit cards offer an online pre-approval tool. 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 cards.
Generally, an online pre-approval tool allows consumers to gauge the likelihood of getting approved for a credit account before they apply. Pre-approvals usesoft inquiriesof your credit report, so it will not affect your credit score. A pre-approved offer does not guarantee you’ll get the card, but it does mean you have an 80% - 90% chance of approval.
What to Know Synchrony Bank Credit Card Pre-Approval
- Synchrony Bank allows potential applicants to check for pre-approval online for certain credit cards by visiting the affiliated brand’s website and filling out the required info before applying. Keep in mind that not all Synchrony Bank cards offer this feature.
- Synchrony Bank also pre-screens customers by using data compiled from three major 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 affiliated store locations.
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 offer 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.
This answer was first published on 06/11/18 and it was last updated on 08/04/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
