Source: miles per day
I applied for the Synchrony Virgin Red credit card last month and received a letter saying my application was denied because it was flagged as a “high risk application source.” I saw on Reddit that this actually means the application was declined by the IT department, and that they did not pull my credit report. That day, I applied from my home PC using Xfinity broadband, and all the links I used were found through a Google search.Something strange also happened recently: when I tried to log in to my Bank of America account, I suddenly received both an email and a text message saying my login had been disabled and that I needed to call to verify it. The representative told me that my computer had triggered a malware warning and that someone might be monitoring it, so they blocked my login. What is notable is that earlier that same day, I had successfully logged in 3-4 times from the same computer and IP address, and I had not visited any suspicious websites. She suggested that I scan my computer with Windows Defender. I noticed an exclamation mark in the security status of my Windows 11 device, and one option was not checked, so I enabled it, restarted, and ran a full scan. Nothing was found.
That made me realize that there might have been something about my PC or IP that Synchrony did not like. So I decided to reapply for the card using my phone on a 5G network. After I submitted the application, I received a link asking me to complete a face scan and ID scan, which did not happen when I applied from the PC. After completing those steps, I was approved right away with an $8500 credit limit. The limit is not especially high, but at least I finally got approved. So if Synchrony denied you because of “high risk application source,” it may be worth trying again from your phone on a 5G network.
This is definitely the first time I’ve seen something like this. If you are applying for a Synchrony credit card, it is something to keep in mind.
