Synchrony Bank Reviews

Absolutely unacceptable experience with Synchrony Bank. I deeply regret ever opening this account. I only used Synchrony to finance my hearing aids, and the consequences of their 12-month deferred-interest promotion were never clearly explained to me. Once it expired, they hit my account with an enormous amount of interest. I called multiple times, explained exactly what happened, and even offered to immediately pay the remaining balance in full if they would remove the interest. They refused to help and showed absolutely no accountability.

Synchrony Bank is the most horrible bank imagined. They charge huge amount of interest charges and will not work with you as a customer. I am in the process of paying off 2 credit cards with them and will never EVER do business with them again. I really hope they crumble and feel the horrible effects they put on their customers!!!!

Do not sign up for the interest-free for a year. Then they do not warn you that it is ending. And then doubles what you owe without any explanation of the breakdown of the interest per month.

Applied for a Lowes card, I was approved a few weeks later. I went to Lowes and purchased a 42 inch cut riding mower. All was fine and dandy until I made the choice to pay off the full balance to avoid the interest charges. Then the nightmare started. First the payment never made it to my bank. I was in contact with them and the overseas rep told me countless times it's paid in full. I was that can't be right since you never took my money. A few days later I get a phone call from bank, "Oh your payment didn't process." I said, "Yea I've been trying to tell you that for a week."

Synchrony Bank charges a fee of $1.99 for paper billing. No other CC company does. It is not mentioned when signing up. Avoid using them.

I closed my Synchrony account after months of billing that I could never get a straight answer about, and it has cost me my credit score over $8. Repeatedly, I would call, ask for my exact balance, pay that amount, and then receive a statement the following month saying the figure I'd been given was wrong — followed by new interest and a late fee. This happened over multiple billing cycles. Every representative gave me a different explanation. On my fifth call, I was finally told something no one had mentioned before: that payments have to be manually allocated, and that if they aren't, the money may be applied in a way that leaves a balance behind and triggers additional interest and another late fee. That was never disclosed to me in writing or in any of the four prior calls.

I have been a long-time Synchrony Bank customer and have multiple credit card accounts with them. Recently, Synchrony unexpectedly reduced the credit limit on one of my cards to an amount that was actually below my current balance. As a result, my utilization ratio immediately increased and negatively impacted my credit score. What makes this even more frustrating is that Synchrony did not lower the credit limits on my other accounts, some of which carry higher balances and are not even being actively used. There appears to be no consistency or logic to their decision-making process.

If I could give zero stars, I would. This bank is incredibly predatory with how they handle promotional financing. They charged me full interest immediately after the promotional period ended without a single reminder, which feels intentionally designed to catch customers off guard. To make matters worse, their customer service is practically non-existent. When trying to resolve billing errors or unauthorized holds, hold times are endless and the representatives are often unhelpful or rude. They also routinely delay processing payments, which has led to overdraft fees on my personal checking account. Do yourself a favor and avoid any credit card or financing backed by Synchrony.

Nothing Good About Synchrony. Out of all other creditors Synchrony bank is the only one that purposely delays your payment for credit cards. A full payment was overnighted for all 3 of my synchrony cards on 6/30/2026, the tracking shows delivered on 7/1/2026 and as of today 7/15/2026 they have yet to process the payment, my advice would never do business with such a corrupt so called creditor.

Extremely bogus credit cards for TJ Maxx on Synchrony Bank… SAVE YOUR MONEY AND TIME…BAIT AND SWITCH is their game.

To summarize they are predatory and overly aggressive. They will not work with you and very much will try to ruin your life. Speaking from multiple unfortunate experiences with the bank.

I have never been so upset with a lending institution. This place is horrible!! For one their website and online billing is constantly making you change passwords. Then in the process the site freezes. After months of dealing with this I decided to close the account. Make the phone call, pay the balance and close the account. Done! Well guess what! I get another invoice for interest charges!!! I’m beside myself. I can again. "Oh I can’t help you but you can pay that charge but there will be another interest charge next month!!!" WTH no. I paid my balance. In full!!! BEWARE FOLKS. THIS PLACE IS A SCAM AND WILL CHARGE YOU OVER AND OVER AGAIN FOR NOTHING. You are better off getting a Capital one card and just spending it at Lowe’s!!

Had to give them a star bc you have to.. but if not they would get -5 stars! They are a bunch of crook. Watch your bills closely. I had 12 accounts with them.. and when I went to my bank and used my money to consolidate they closed all of my accounts bc of my payments to Sam's club.. all bc Sam's club doesn't take third party payments or some BS like that.. when all I did was make payments thru my debt card.. in which they took the $ and held for a week before returning to my account and giving me reason above.. bs of Sam's Club "policy" and third party payments. They closed all 12 of my accounts and the very next month was telling me I was pre-approved at cash register for cc 9k limit when was 12k before.. but I declined and am no longer in business with these crooks!! Be careful with your money. They are not to be trusted!!!

Synchrony closed multiple of my accounts, claiming I was a high payment risk. I strongly disagree with that assessment. I consistently paid my statement balances and never had a late payment with Synchrony. Instead of rewarding responsible customers, they closed many of my accounts, which significantly reduced my available credit and negatively impacted my credit score. The explanations I received were generic and did not reflect my payment history. I expected transparency, fairness, and respect after being a responsible customer. Based on my experience, I cannot recommend Synchrony.

Very vague customer service communications. Not transparent in policies and information.

I made a purchase and used this bank for financing. I returned the item the next day because my husband said it was too expensive. The company (Milvi) where I bought it from said no return and had placed a sign in their business that was not there when I made the purchase. The purchase was made on October 22, 2025, and returned October 24, 2025. I returned their item anyway and called the bank to tell them to cancel the purchase. They told me no and continued to bill me. I told them I would not pay for something I do not have, and they have placed it on my credit report. I have tried to reason with them to no avail.

TERRIBLE. Signed up for a line of credit when purchasing tires. Card never arrived, and when I called to make a payment I was on hold for over an hour. The AI chat is useless; the live chat was as well. WHY IS IT SO HARD TO CONTACT THIS COMPANY TO MAKE A PAYMENT????

Suck azz company! Run!! The worst experience I’ve ever had in my life! They charge you without warning, they charge you late fees without warning, they close your account without warning!

My stepmother had 3 online savings accounts. When she passed, I notified and followed the instructions for her beneficiaries. Discover and Everbank processed the claims pretty fast, within 6 weeks of contact. Synchrony Relations was really behind. We are 10 weeks into this and the check still hasn't materialized. I called again today, after following their final instructions and faxing 20 days ago. Believe it or not, they processed it yesterday and put it in the mail today. That's right, the check is in the mail. It's been 27 days since the other two online accounts delivered the $$. Now I get to wait up to 12 more days for the check to arrive.

Couldn't even get my account number from customer service, chat, call. They all suck. Don't use these guys if your life depended on it. You'll be sorry.

If you have your payments on auto-pay and you do deferred interest, be very careful and monitor each statement. I fell for the trap and didn't notice my auto-payments were being lowered over time so I had a balance at the end of the promotional period. Long story short, my balance exploded and ended being more than what I started with because they retroactively charged all the interest and then started adding in interest month by month on top of that. I was thinking the card was almost paid off until I looked at it. I am taking great joy in closing all my Synchrony accounts, especially the one I use almost on a daily basis. My credit score is well in the 800s and the hit from the closed accounts won't affect a thing. I will NEVER use a card or credit that's owned by this company again. It is comforting reading the reviews and see that I'm not the only one that fell for this as I felt so foolish for allowing this to happen. Most definitely a lesson learned.

Learned the hard way that they have teamed up Paypal (which used to be a secure payment system) to proliferate fraud and scam. Getting rid of Paypal AND Synchrony Bank's Paypal credit!

A most horrific experience. Emergency travel occurred to death of a family member. Sam's Club mastercard denied with out-of-state use. Fraud department notified that charge was authorized. I received an acknowledgement that the issue was resolved. However, the issue got worse. The use of the card was denied for all users, even those not traveled from the home location. I went through the verification process with facial recognition and ID verification, only to receive a notice that a letter would be sent in 7-10 days.

Credit is extended by Synchrony Bank, which is located at 170 Election Road, Suite 125, Draper, UT

Update: Just had an online chat with Judy ** who refused to help with my issue. The card has me owing $500 which I never incurred at any establishment. She refused to provide the name of any vendor where I would have had such an expense. She also refused to remove the charge and rectify their report with the Credit Bureau to which they erroneously reported a delinquency. Next, she refused to look up the fraud report I filed on their form and to which I circled the erroneous charges including one where the vendor was not in business at the time CareCredit says the charge was incurred. The company is morally corrupt and does not care about anything except extorting any amount of money from anyone who will pay regardless of whether it is a valid debt.

Run Away!!!! Do not rely on this company for credit services. I have a card for EMERGENCIES ONLY. And when I have an emergency vet bill and discover theses greedy bozos have lowered my credit line to $1024.00 (what a random number) without informing me. And the little girl on the service line says "I'm sorry you feel that way" when I expressed disappointment that they were not there for me when I need help. Once my current balance of $1024.00 is paid off it's AMF to Care Credit/Synchrony Bank.

Synchrony took over managing Lowe's Pros credit accounts. I have been a Lowes customer in good standing longer than Synchrony exists. A while back I received a suspicious request form supposedly from Synchrony, requesting my SSN. But the form had NO official Synchrony letterhead, NO official name for contact or verification, NO return envelope and an anonymous phone number to call for "service". Seemed like scammers phishing, to me. Especially since I've been a Lowes credit holder for many DECADES, who I am sure, has had my SSN on record. So I ignored this creepy request. Two weeks ago they locked my account, insisting they need my SSN. I capitulated, sent the requested information PRIORITY mail. It was delivered 5/1. A week later the account is still locked and I am unable to even log in to PAY MY BILL, due the 13th.

I wish we could apply zero stars to this. Unbelievable hidden fees that I did not sign up for when applying for credit for an emergency vet hospital visit. They make it very confusing as to what you’re signing up for but I know that I did not sign up for extra fees for care credit card protection, this would be useless to me but somehow after 13 months of diligently paying off my loan for the vet bill (extremely high for what they didn’t do at this vet hospital) each month and making it almost impossible to access the billing statements and charges, I had to call three times a customer service agent to help me with these. What’s more, this bank does not credit your payment on the day or even the next day of payment, so this bank cleverly does this in order to incur incredibly high late fees. This practice is extremely deceptive and wrong, along with adding extra services that I did not sign up for.

Horrible bank. I had used Care Credit to pay for dental work and vet bills. Was on automatic payment for 12 months. Suddenly I had not only my monthly payment, but also the balance of my entire dental procedure taken out of my account which caused a negative bank balance. Attempted to use the chat service but that was useless. Spent 30 minutes on hold waiting for a representative who merely apologized for the mistake after putting me on hold for another 20 minutes. Best she could offer was a refund check which wouldn't arrive for 7 days. The payment was still pending but she couldn't be bothered. I know from past experience the transaction could have been halted, but obviously this bank doesn't care enough about their customers. Once I have paid my debt off with them I will close my account. Horrible company.

If I could leave zero stars, I would. This bank uses predatory tactics—stay away! When I bought a mattress, the store told me I had 3 years to pay it off. You would think the "Minimum Payment" on your statement would be enough to pay it off in time, but it’s not. Synchrony sets the minimum payment much lower than what you actually need to pay to clear the balance. They don't remind you when the 3 years are up, and then "Voilà"—they hit you with 34.99% interest on the original full amount. I ended up with thousands of dollars in interest added to my balance overnight. They are feeding off people who think they are on a fair payment plan. Stay far away from them!

An employee of Synchrony bank who had access to sign in info. An employee of Synchrony Bank who had access to my log in information got their feeling hurt by me and call Synchronic Bank pretending to be me and closed two of my credit cards. Upper management would not confirm this, told me they would listen to the call of the person (I say employee) pretending to be me conversation. Amazon and Carecredit cards were reinstated and force them to send retraction to the three credit bureaus. Thanks ceo's using out of the country agent.

Worst ever scam bank. High interest rate of 66 percent on a 3 grand credit card. More I pay on this card interest rate goes up. Do not ever ever apply for their Care credit card! You will be In debt over it! This bank need to be shut down and closed.

This is the worst company I have ever worked with. I have made way more than expected monthly and because I decided to make an early payment in the beginning of this month and planned on making another one today a week before the due date. They keep harassing me via phone and email. For what? Being a great customer? I will never work with them again.

I don't recommend this bank, they are the biggest rip-offs out there, charging 33% interest, no matter what your credit score is. I have a credit score of over 750 points. I wouldn't recommend this sorry bank to my worst enemy. Stay far away.

Very poor customer service!! Once a statement is received by a customer, the balance due is non-negotiable. No adjustment will be made to the balance, although customer service will take the interest off the account. Note: the account balance and THE balance are NOT the same thing. Any adjustment to the account balance is not reflected in the balance due. Word of warning: adjustments on your account are NOT reflected in your minimum payment due and can actually create higher minimum payments in the future.

I purchased furniture from a particular store. (Rooms to Go) This company usually deals with Synchrony Bank and I have had multiple problems with payments twice from Synchrony, once last year as they charged me a late fee because I paid to early. Instead of paying on your due date or before your due date, they will charge you a "late fee". Last year they did refund my late fee. Well this year the same thing happened. I paid 3 days early and they charged me a late fee of $30.00. I had forgotten they charged me a late fee for paying early. I don't quite understand how this is "legal". I've never ever had any problems or history of late fees. I finally asked to speak to a supervisor and oh.. she didn't help. I asked her if she felt it was fair charging me a late fee as I had made the payment prior to the 7th of February, (due date) I had made it on the 2nd or 3rd. She states "that's just how the company works".

After years of having a perfect payment history (I recorded the agent in India confirming this), Synchrony decreased my line of credit by more than half because I suddenly ran up some bills PAYING FOR MY SON'S FUNERAL! This crashed my credit score overnight and start a domino effect with other accounts that I have to spend this week working on while mourning my son.

Synchrony Bank is slow to post mailed payments for credit card accounts. An account for a retail store chain and one for a television shopping network, QVC, typically take 10 to 14 days to post mailed payments using the Synchrony Bank mailing coupon and envelope. Amazingly, late fees and interest charges are posted to the account with lighting speed. Calls to Synchrony Bank Customer Service are answered by rude and unhelpful representatives. Synchrony Bank is likely using these tactics to force customers to use electronic payments which cost less to process. If you have credit card accounts with Synchrony Bank, mail your payments as soon as you receive your statements or you will receive charges if the payment is postmarked 7 days or less from the due date. Better yet, when you have alternative choices, choose a different bank card than those offered by Synchrony Bank.

My accounts Amazon and Care Credit were closed 1/30/2026. I was told by Synchrony I called in to request the closed because the APR was too high. I DID NOT CALLED OR TALK TO ANYONE ASKING FOR ACCOUNT TO BE CLOSED. I asked for an investigation to see if they had a breach in security or some pissed off employee ** with me. Both accounts have been reopen without an explanation of why they were closed by an outside force. I've written the CEO about the incompetency at the bank and ask for another layer of ID verification so this won't happen again. Consumers beware. This can happen to you. A breach in security. Anyone can call pretending to be you and have your accounts closed. I've asked for another layer of ID verification moving forward- nothing-Keep an eye on your accounts!!!!

Have had a credit card with Synchrony Bank for two years, started with a credit line of $1800, by making a purchase at Dicks Sporting Goods. Because I travel and I place expenses on my credit card and pay most if not all off within two months. About 7 months ago I had a balance of $920, from a prior month travel. For no reason at all my credit limit was dropped to $920. Needless to say I was not pleased and decided that this was a credit card that I could no longer depend on for use - for the record I ran about 6k through this card paying off over a month or two each time never hitting the limit and never late. Again no I could not depend on the card I used only for a monthly subscription of $9.75 a month.