Synchrony Financial Reviews

If you are looking for a bank that has easy access to your money and values you as a client Synchrony Bank is probably not a good choice. Bought a car on Monday and the dealership wanted to be paid by check. Monday initiated an external transfer to Chase so that I could write a check. Transaction failed due to daily limit restrictions. Initiated another transaction for the daily limit amount.

Bought a bed through a national brand with zero % interest for 5 years. Process to get into the account to setup auto payments was painful and not easy but got it done. First issue was the payment amount and the mattress company may have messed this up possibly as it was supposed to be $100/month but they ended up doing $200/mo instead. Wasn't a big deal but first issue.

The Sam’s Club credit card issued by Synchrony Bank is not compatible with Apple Pay or Apple Wallet, which is highly frustrating. Synchrony Bank made a big deal in early 2025 to add many of their credit cards to Apple Pay, but as of March 2026, still not the Sam's Club credit card, causing this credit card to lag far behind the current technology and coveted convenience for card holders. Per customer service, there are no current plans to add this credit card to Apple Pay.

Their policies in issuing 'branded' credit cards defies logic! My spouse has a Sam's Club credit card issued by Synchrony. As a small business owner, I am a long-time Sam's Club business member and my spouse is a 'complimentary' member. Rather than open up an entirely new credit card, we decided to contact the bank (Synchrony) to request an 'authorized user' credit card for me. Per Sam's and Synchrony, I am eligible to apply for/ receive a Sam's Club credit card. However, Synchrony DENIED the request for an authorized user card because I am the PRIMARY Sam's Club card-holder! Just how INANE is that?! They said to go to the Club to get this sorted out!

They closed my account and couldn’t give me a good reason. Never missed a payment and was never delinquent. Had a new credit card from a different bank in 15 minutes, which had better rates and better rewards. In the end Synchrony did me a favor.

My Venmo credit card was denied and I got a text from Synchrony about verifying who I am. I responded that I wanted to resolve the problem and then received a phone call from a Synchrony phone center in India. They then sent me a link to do a video verification and and to send photos of my driver's license. The verification process seemed buggy and did not work. The video just kept recording and would not advance to the next step. The man on the phone said maybe the problem was our internet. I then tried turning off WiFi and then using cell service. Same result. Now I have to wait 7-10 days to get a letter from them.

I’ve had more than one instance with Synchrony and would suggest if there’s any other alternative you choose them. I paid my account on time and off yet still they lowered my credit usage. I’m guessing due to the fact that I didn’t use them anymore. Would highly recommend someone else. Poor Service for attributes.

Our Sam's club and jcp ccs have both experienced trouble with payments not being received, even with confirmation #s!!! It went so far as a fraudulent email sent forcing us to make ANOTHER PAYMENT. TWO PAYMENTS IN ONE MONTH!! Also had problems with Christmas gift cards never being received and still charged. Eric in customer service was of zero help...only escalating the stress for an 81-year-old man. Horrible experience.

A zero bank. I had a card I barely used and never accrued interest. They cancelled my account on some really fishy stuff. Didn't mind seeing it go, but concerned about what is really going on with this bank.

Worst experience ever!!!! They ruin your credit!!!! After paying off my balance and never late kept on good standings always, they closed an account. The other They continually reduce your available credit. My husband's, They double charged his interest in large sums reduced his credit limit so it was less than balance owed. No latest, always paid on time. Mine was paid off and closed for no reason. Or just screws up your credit.

Synchrony Bank scammed me. I paid every bill on time despite not having access to an online account nor receiving paper statements. They gave me no visibility into my loan/payments despite numerous attempts. Right before the promo ran out for 0% APR, I contacted Synchrony asking why I was still being charged. They assured me if I continued to pay autopay, I would not accrue interest. This employee lied and I am now fighting to remove $3,000+ of interest and late fees. I will soon be filing a lawsuit. This company operates unethically and has scammed thousands of people.

I have several Synchrony credit cards and, up until now, my experience has been positive. I have been a loyal customer since 2012 with an excellent payment history. Recently, I experienced a medical hardship due to being hospitalized and then involved in a car accident. Because my funds were stretched thin, I called Synchrony to request permission to skip my April 2026 payment. The representative I spoke with told me the skip‑payment request was approved. However, the representative did not sound confident, so I proactively called back multiple times to confirm. Each time I reached another representative, I was told the skip‑payment request was not approved. If I had not triple‑checked, I would have been charged a late fee and reported to the credit bureaus for a late payment—despite being told I was approved to skip the payment.

I've had the Synchrony car care card for some time. I used it to repair my car at Meineke in Williamsburg Virginia, they're snakes too but that's another story. After repairing my car and spending thousands of dollars to do so I became very ill and any event I was unable to get up and walk around so I was unable to use the card so I paid it off completely which is a very large amount of money. They waited until after I paid the card off and closed out my account which messed my credit up. If I was to give anyone advice I would advise them not to use this card, not to apply for this card. They have no business closing out people's account due the lack of use on a credit card. They want you to spin up your money, they don't care if you have it or you don't have it, snakes.

I’ve had an extremely frustrating experience with Synchrony Bank, and I would not recommend them to anyone. I’ve consistently paid my balance on time every single month and even paid the account in full. Despite responsible usage and maintaining a solid credit score, my credit line was suddenly slashed down to $100 with no meaningful explanation. That kind of drastic reduction is completely unreasonable given my payment history and credit profile.

On my eBay account, the auto pay failed. Called before due date and made a payment over the phone, she verified it was paid. I then had her set up auto pay and had her verify, she verified, auto pay failed, they informed me my account was closed because of three failed payment attempts. I called, explained and referred to the record, they said no, nothing can be done, my credit was hit hard. Second card with Amazon store card years later. My credit is solid, clean, no missed payments.

I need to say something about my experience with Pep Boys and Synchrony Bank. I trusted Pep Boys to put tires on my vehicle, and the job was done incorrectly. Because of that, my family and I were put in a very dangerous situation that could have ended much worse. No one should have to worry about their safety after paying a company for a basic service like installing tires.

I had an Ashley credit card through Synchrony Bank. I always paid about 2 weeks before my payment was due. One month i was 2 days late and they charged me a 30 day late fee. I was so mad. I said I’ve never been late and the representative on the phone just said it’s in the contacts when I asked is this legal. I checked it out and yes they can do it. The only way I got in moved was I hit a number for a waive fee when I went to the automated system. The live person didn't even tell me you can get a one time waived fee. He was just gonna may me pay it. I said well I got one time and I paid the whole account off and immediately got the scissors out and cut that card up. Never get one of those cards. I'm through with them. Save yourself the surprise.

I paid Off my balance in January, 2026 which left a credit of 80.00. Instead of sending me a refund they added a interest charge of 18 dollars which dropped my credit to 69.00. Called on my February statement and they told me it was for December. I paid in full in January. I spoke to rep and did not agree it was from December. Asked to speak to Supervisor and he was very rude. Would not give me his name and hung up on me. I paid off because of high interest charges and they are still charging me interest. Avoid this company!!!!

I had financed my washing machine a few years back and it was a promotional deal through ABC warehouse, I made all payments and never had any issues, I also had a care credit for my dental, which also got canceled, but due to my dentist not being able to schedule the appointment because of various problems, it was canceled, which I could understand, but forward to fall 2025 my refrigerator went out and I financed a new one also with a promotional deal of 0% interest until paid off, which I was making every payment as requested, but noticed that my account had some incurred interest a few times, but I didn't understand why?

Absolutely horrible. I have 6 Synchrony accounts or should I say HAD 6 accounts. I have always paid on time and kept my balances below credit limit but today I go in to look at them and all of the accounts have been closed. No notice, no letter explaining why..just closed. I will stay way from Synchrony in the future and tell everyone I know what a horrible bank they are!

Rude arrogant. Should be laws against payments held for 11 business days. Payments cleared my account overnight. They need to be investigated for this. This is definitely harsh treatment of consumers.

They closed all my cards with them no warning, under 10 percent utilization, never late, 700 plus credit score... No reason for this.... around 48 thousand dollars in cards gone... Paid in full rarely carried a balance ... Luckily did not tank me but if I had balances on those cards could have been bad ... Will never do business with any backed card by them moving forward.

I was given false information by a Synchrony Bank representative who assured me that no fees would be charged when using my credit card in Canada. I trusted this statement and was later charged $514.45 in fees. What followed was months of complete incompetence. I spoke with countless managers, none of whom could explain or resolve the issue. I had to repeat the same information over and over again. A dispute was opened four times, each time requiring a three-month wait, only to end with the same generic rejection letter stating that my case could not be resolved. This is not a policy issue — it is a professional failure. Employees provide incorrect information, management takes no responsibility, and the customer pays the price. I have lost all trust in Synchrony Bank.

Made payments early for the amount they set up. Days later I checked to see if my account was closed only to find out they changed a payment of .59 cents. I know it’s not much but if I had not checked I feel that they would start charging interest. They could not explain only made me feel that I was not paying the full amount each month.

I am a consumer with a high FICO score. I work with some of the best-known banking institutions. I signed up with One-Pay at Walmart a month ago. This credit is through Synchrony Financial. I have called over 8 times and spoken to multiple personnel. But Synchrony Financial still has not sent a monthly statement to my address. Although they have sent me emails saying they did. Plus, I did not get a usable product online, and they haven't investigated it. HR Block Business tax software gave an unusable code, and HR Block customer service said the code was unusable. The customer representative/agents do not know how to assist customers. Poor decision to go with Synchrony Financial.

I got a bed through this bank! I’m warning you - don’t do it. I have paid on time more than I should pay on the payment. I get a notice they are dropping my credit line from 2400.00 to 250.00. Is this some kind of joke? I paid all that money to show nothing gone! I have decided to close all my accounts with this bank. I think they are focused on ruining people's credit. Glad my bed is off and I can close this account and never look back. This bank should be ashamed of themselves after reading the reviews.

Absolutely awful. My wife and I have used them to help finance our furniture through Furniture Land South in North Carolina. We only decided to work with them because their was a promotion for interest free financing for the first 6 months of payments. We gradually paid things off over the time of the promotional period. At the time of the last month of the promotion where things would have been paid in full ,we had an interest charge that was MORE THAN DOUBLE the remaining amount on the bill ($628). I conversed with someone in their department who was able to remove the interest charge after I paid the remaining amount...HOWEVER...they did not remove the interest charge in time so I received a LATE FEE of $28..

I paid my account in full back in October of 2025, Synchrony Bank was still charging interest on a zero account balance, reported it to my credit, caused my credit score to drop, then after I called to discuss the problem the manager stated there was nothing that could or would be done to fix the problem. Never again will do I business with the company.

Worst credit card company. Avoid this bank and go for some other bank for better. Terrible card and customer service. Would not recommend them. They deserve 0 rating. Just stay away from them for better.

If I could leave a lower score I would. Be aware. DO NOT do business with SYNCHRONY BANK. They lower spending limits on cards, close accounts for no good reason even for loyal customers who pay on time and have been with them for years. Doing this they now have hurt my credit score which I'm pissed about being that I have NEVER once missed a payment. I learned my lesson and I WILL NEVER AGAIN DO BUSINESS WITH THEM. I hope this review reaches a lot of people and I can help them from making a BIG MISTAKE!