First, thank you to each and every one who contributes to the forum. I've been rebuilding since April 2015 using CK but only found myFICO five months ago and have since been an avid reader and learner. It's definitely a journey and reading your stories have helped tremendously.
My question to the experts pertains to Synchrony next steps after approval (finally!). I've been applying every few months for Synchrony (Gap and Walmart) but always declined. Tried today for Amazon Prime store card and was approved for $800 and then went for Walmart and received $150. I know these are low SLs but I'm really excited to finally get in the door. I found the CS number to call, but my question is whether to call now or wait until my scores jump back up towards their highs?
I knew from reading they were going to pull TU and they did. TU today is at 614 off of a high of 621. The recent drop across the board is because of a $1,500 balance on one card (3k limit) and a $900 balance on another (also 3k limit). My overall utilization is still only 12% but I've paid both balances so those will both report a zero balance first week of February, where my util should drop to 1%. The rest of my credit profile looks like this:
Cap1 QS1 $1300 (first card, April 2015 SL $300)
Cap1 QS1 $3000 (1k SL, cli after 3 months to 3k)
Cap1 V1 $3000 (3k SL)
Lord & Taylor $500
Bloomingdales $800 ($500 SL)
OStock $950 ($500 SL, 2 CLIs)
WestElm $5500 ($4k SL, 1 cli to $5.5)
JCrew $850 ($250 SL, 2 CLIs)
Restoration Hardware $4000 SL
TotalRewards VS $9000 ($7.5SL, 1.5CLI after 1 month)
VirginAmerica V $3300 SL
This is all over the past 10 months. Currently, my only balance is $263 at Bloomingdales that I'll pay before the statement runs. Thanks for any advice on my Synchrony question!