Synchrony Financial Reviews

I agree with previous posts. WE CONSUMERS NEED TO ORGANIZE AND BOYCOTT ANY CREDIT CARDS THIS COMPANY/BANK OFFERS! They have ruined people's lives and credit with their predatory practices! They close credit card accounts that are in good standing now and that have been for many years for non reason .. Or for non usage. Or they lower the credit limit on established/existing cards - again in good standing - from $4,000- $5,000 to ridiculously low amounts like $100 or $200 out of the blue and with no advance notice. Many of these accounts have very small or not balances and have been paid on time for many years with no issues! And there are THOUSANDS of these same complaints/reviews all over the internet going back many years! But they keep getting away with it. CONSUMER AFFAIRS! WE NEED HELP!!! THESE PREDATORS NEED TO BE STOPPED AND PUT OUT OF BUSINESS!

I recently had occasion to apply for credit At Lowe's to purchase a refrigerator during a special promotion. Lowes runs their credit thru Synchrony. I have a credit rating in the 800s. They would not give an immediate ok to my application which was a mystery to me. They said they would check into my credit and give a response in 7-10 days. I might add I had a similar problem when I tried to purchase tires at Discount Tire on a tire promotion.

The bank gives you High interest rate, but always qualified for a card regardless of bad credit. It can help you pay for gas, furniture or even car repairs. In the same sense it can hurt you if you don’t know how to use it.

I am pleased to have multiple accounts with Synchrony which makes it helpful when transacting with one specific account (i.e. Amazon). To establish credit was extremely easy and making payments is as well. To date I have not had an issue with any of my Synchrony accounts and recommend this institution to others.

Whatever you do, DON'T ever use any Synchrony affiliated credit cards. I've been lied to by foreign representatives. Treated rudely and without respect by them, while I, personally am ALWAYS polite and friendly, even when unhappy with something. The company farmed its service department out to the other side of the globe, while American citizens were out of work during COVID-19. Then, SYNBK aggressively canceled customer's credit cards who paid their bills on time. Lowered customer's available credit balances for no reason without warning- who does this? Raised APR% on customers with no balances, low balances, and 0% interest for short-terms, only to find their bills raising suddenly upon using the card. Next, those coming off of 0% interest or others with previous special interest rates and promotions, instantly found themselves with canceled cards, again- for no reason.

The representatives are very knowledgeable. They are very pleasant to talk to & very polite. They also take the time to make sure you are completely satisfied & may I assist you with anything else is a question they always ask.

It make my money and me feel safe to know that someone is helping me to keep the scammer away from taking people money. Online banking is the best thing from today sale. That way you know what you getting what you ordering.

Financially Speaking, Synchrony Posts Payments on Time and Sends out Statements Timely- However, Their Website is Confusing and it extremely difficult to make sure you still receive paper Statements if you still need one for your accountants - it is also difficult to navigate to print certain aspects of your own profile. This is Why I gave it a 3 rating.

For 2 years I paid my credit card thru this bank. I never missed a single payment. They raised my interest rate from 16% to 23%. If I would of not read my statement I would not have known the increase. There was no statement given as to why the increase happened.

Hello my name is Spiros. 2019 I make a purchase for $2.700. After all this happened to world (COVID-19) I forgot the I have to pay off on 18 months. I had set up auto payment and 18 months after they charge me for $1.100. I call them and a begging for delete the amount, unfortunately they were so aggressive Like they want to punish me. For God sake $1.100. Please can you help me out with this case? Thanks.

They are very accommodating. When Covid hit hard, they were very flexible with payment options. We were very pleased with the customer service and the representatives. We still have two open accounts with the bank and hope to continue to have a favorable relationship with them.

My PayPal card is with this firm. They have good service. Easy to understand the website and activity display. I happened to have a dispute about a purchase and they are working on it. I think Synchrony is mighty good. Thanks.

The Synchrony Paypal Mastercard will not pay me about $100 in cashback because I do not have the same Paypal account. They are making up things not in the terms of agreement just to keep the money. The agreement states that you must have an active Paypal account in good standing and I do. It is just a different Paypal account because the other is closed and cannot be reopened. The terms of agreement only states you must have a Paypal account in good standing...which I do! Nowhere does it say it has to be the same account, They are making up a reason not to pay. Shame on Synchrony Bank...ripoff

I have multiple credit cards with Synchrony Bank. The Discount tire care card account was closed without warning even though paid on time. I blame Synchrony not the companies that use them for this poor business practice. First of all the interest rates are higher with Synchrony Bank Credit Cards than most other credit card companies. If Synchrony Bank is distributing the Credit Card.. Run because closing an account without warning causes your credit score to suffer even more. The Synchrony Bank Credit Card practice needs to change. Their practice is to continuously check your credit score even though you pay them on time with their existing accounts and make decisions. I have not been late with payments and have even paid balances out early. I will not obtain another credit card from Synchrony Bank.

I attempted to arrange an electronic transfer of funds from my bank to their bank. I was told they had no routing number because they were not that kind of a bank. When I tried to arrange to pay by cashier's check I was told that it was not a check and to pay by personal check. Given how easily personal checks can be rewritten I argued that it was better to send them a cashier's check. Again I was told it was not a check. Talking to the customer service person was like talking English to an alien being, perhaps the Borg of Star Trek, Next Generation. I asked if I could have the Post Office validate that my personal check had arrived. I was told that there no human being is there where the mail is processed so no one could sign for it. According to the Post office my cashier's check reached them yesterday at 11:50 a.m. I left instructions to cancel my account. I have decided not to be an Amazon customer.

Had a problem from the beginning, I sent a check for $3000, $400 and $300. My mistake on the $3000 check, should have been the $300, too late to stop payment. Called Syncb. Checks processed, syncb ask me for copies. Went to my bank and my bank faxed the required information. Next statement all was well and sent me a refund. Lost credit card and called syncb, after 1 week if card was not found will close account. Called and the avatar said I owed $3700. Talked to syncb and said it must be fraud...Asked for replacement statement as I did not receive April/May billing. Was not fraud. It was syncb rebilling me for January credit.

I had 3 credit lines with Synchrony Financial. Synchrony closes accounts with balances without warning, even though bills are paid on time every month. I received notice only after it was done. Cost me 35 points on my credit score. Will never do business with Synchrony Financial again.

This company doesn't even deserve 1 star. I opened an Amazon Credit Card in February 2021, set up the automated monthly payment, first monthly payment in March was processed correctly, the next month (April) my payment was rejected 4 times. I called my bank to see what was going on, my bank had NEVER received the payment request from Synchrony, when I reached out to Synchrony bank to see why they were rejecting the payments they stated my bank account number was wrong. I confirmed my bank account information several time (the numbers were all the same) and magically the payment was processed. Then for two weeks all of my Amazon orders placed on the synchrony card were declined without any notification.

Twice now in the last two years, I have made the mistake of purchasing from a store who used these guys for the credit line. First time with Sam's Club this time with rooms to go. And both instances, for no good reason, they have lowered my spending limit and harmed my credit score. Both times my credit score had not changed and I have made every payment on time and have paid more than being minimum due amount. Both times when I called they gave me ** generic answers and when all said and done no willingness to fix things. I closed my account with Sam's Club because of it, and I will soon be paying off and closing my account with rooms to go. I will never buy from anyone who uses these guys.

Here is my experience with Synchrony Bank: I've had a Sam's Club Credit Card with them for years and then two years ago out of the blue they decrease my credit limit on it leaving me with like $30 in available credit. I have always paid my account in full from time to time and more than once. I called customer service about it because I never received a letter as to why so they inform me one of the reasons was because I didn't make a bigger payment than the minimum for up to 6 months.

I didn't think much of it a couple of weeks ago when I tried to close a CARE Credit account and could not access my account on-line. Since I had paid the loan off early, I thought maybe they had closed it automatically. I contacted the Synchrony Bank and the person said they couldn't explain why, but they have sent paperwork out to me.

I opened an Ashley Furniture card in November. I made 2 purchases (1 November and 1 in December). I had made a couple of payments. In February, I made a mistake in my payment... I intended to pay $75 but paid the full balance. I tried to get it reversed, I was told that it would take 2-3 weeks to reverse. By that time I would have already gotten paid. So I left it alone. After my account was paid in full, I got a letter stating that I owed $196 for a purchase that was made possibly 3 months prior because I did not make any charges in February. I know that I was already charged and when I made my first call, and I was told there was nothing on the account. I followed up after a few days and there the charge was. I disputed the claim. 3 months later, the charge was back on the card. I paid the card and closed the account. I would recommend this card. If you do get the card, pay careful attention to your charges.

I have Care Credit, At Home and TJX Companies for credit cards with Synchrony. This company is predatory and in my opinion needs a class action suit started against it for:

They closed my account while I was making the requested monthly payment during Covid. They are now saying my payments were late and I owe them more than half of my balance in late fees. I paid from the statement balance on my account every month from online platform. According to them I should have checked statement online. Why would I do that when the payment was visibly clear on the statement I got online when I knew there would be no change if account was closed. What could change if account was closed. Unbeknownst to me they were charging interest on late fees. Nice gimmick if you can get away with it. I am going to fight this in court if need be so they can never take advantage of the public like this again.

I loved them when I needed tires for my truck. Got the credit. I paid them every month. When I started making bigger payments to avoid interest charges that's when they cut me off saying I had a low credit score. Before that they kept trying to get me to let them run a credit search to get more credit to me. I told them I was fine. Didn't need more credit. I think they did one without my permission and cut me off. Don't be a fool. Don't open a account. It lowered my score even more when they closed it.???

UPDATED 6/6/2021: I had 6 accounts with Synchrony bank, 1 Amazon, 2 PayPal, 2 Sam's Club and 1 Ashley Furniture. They closed all and had no reason. I always paid before due date and more than the minimum, closed because they could. My credit score is in the mid 700's. One letter they sent said (no delinquencies found). I have other credit cards Discover, Capital One, American Express, but the inconvenience of this is far-reaching. I applied for a Chase Amazon and was denied. I don't understand why they would have done something to hurt my credit that I have worked so hard for.

I have a Sam's SYNCB card my husband opened, therefore, I am unable to talk to them because even though I'm on the account, he is the "owner". I always pay the full amount ahead of time, this time I sent a check (as usual) for $6874.63 to cover the amount. It was cashed by them on April 14, 2021 well before our due date. It never got posted. On April 11, 2021 (the same day I mailed the check), they posted $250.00 to our account. We made several calls telling them that is not our money, it belongs to someone else. They claimed perhaps someone else made a payment on our behalf....in the meantime, there is no cancelled check because they took it out of my account electronically. I faxed them a letter with my bank statement, sent them a certified letter today with the same. I get an email (addressed to my husband) that they want a letter from our bank.

Don't get this card. You think you have it for emergencies. But they will cancel it and send you a letter after the fact. They canceled my wife's while she still had a balance. Affecting both of our credit scores. My card I used it almost to max and paid all payment on time or early. And was saying it for use. The closed the account stating I was a risk. But all my payments were on time and 100% paid off. Now my score dropped over 35 points cause I was a loyal person. Just to get stabbed in the back by a computer ran organization. Stupidest ** I have ever heard of.

I have 4 financial accounts with Synchrony Bank, including Sam's Club, Lowe's, Discount Tire and Ashley Home Furnishings. When requesting eBills from my bank, they are always canceled by Synchrony Bank. I have had no issues with any other financial institutions. I spoke with my bank and they informed me the issue was in fact canceled requests by Synchrony. I called Synchrony Bank and went through 3 tiers of customer and technical support and managers with the same response. "We don't have anything to do with eBills". NO OFFER TO HELP WAS EVER MADE. Just canned responses. Poor customer service, poor customer support, poor technical support and poor management. I am paying off and canceling all outstanding accounts (only got for the free 0% financing) with this financial institution.

I applied for Synchrony Home credit card in March of 2020. Due to the Corona Virus pandemic, I was unable to utilize the card due lack of products in retail stores. March of 2021, my card was canceled due to inactivity and no notification was given at all. I've also had issues with Synchrony when they were covering Walmart department stores. My credit line was drastically decreased for unknown reasons. This financial institution is very inconsiderate and unprofessional. I do not recommend Synchrony for anyone.

I got the Synchrony Bank credit card as an Ashley's Store Credit card upon purchase of our sofa. I pay my bills double every payday. However incase you forget on the day of payment and pay the next morning, you already find that Synchrony already charged you a late fee of $39 dollars on the same day of payment. What kind of business is this. They don't even have at least the day after to put in your payment. Especially in the middle of an economy crushing pandemic. Do yourself a favor, go buy your furniture elsewhere if you can. This synchrony/Ashley's store partnership has definitely damaged my chances of ever going back or ever going near anything that has Synchrony Bank attached. Never!

I bought a bed at Mattress Firm using them to finance 1200.00 purchase. I paid on time every month. As I paid it down, they kept lowering my credit limit, which dropped my credit score EVERY SINGLE MONTH. I made the final payment yesterday and will never use nor recommend them again.

Synchrony Bank closed my Discount Tire account, due to inactivity, and didn't even notify me. Credit Karma and the credit bureau notified me of a closed account, and that's the only way I knew about it. When tires are a purchase that only happens every few years, it's very poor service to close the account and not even notify the customer.

I had four accounts with Synchrony Bank. CareCredit, Ashley Furniture, plus 2 more. Initially, the card for the electronics was closed. I had actually never used this card, the limit was low ($1000) and I did not think much about it as I figured it was lack of use. HOWEVER, the Care Credit card came next! This credit account had initially been over $20k, was paid in full EARLY, with ZERO missed or late payments, and I have had the credit line for literally YEARS. After several years, the credit limit was dropped to $10k, as it had not been used. This was fine, it stayed that way for a long time and I figured if I needed it I would just apply for whatever amount over I needed. Then out of no where Synchrony closed the card with no notice or any valid reasoning. I eventually got a very disrespectful letter apprising me of the account closure, complained that the information included in the letter was both inaccurate and offensive... with no response at all.

This Bank owns the QVC, HSN card. NOTE: My bill is always paid in full before it's received! They did the following to my account:

Website does not allow customers to opt out of emails (confirmed by customer service rep). I had to call them up and instruct them to opt me out. Also, website told me I was logged in when I was logged out.

Received letter in mail today informing me that Synchrony Financial no longer wants to do business with me even though I owe them ZERO dollars and have been customer of theirs for many years with Credit cards always paid on time and never late payments, and also fulfilling auto loans with them on time as well. Because my credit score dropped 50 points all of a sudden my money is not good enough for them any longer. NOT A PROBLEM, neither P.C. Richard NOR Synchrony Financial will ever receive any more money from me again and I will also advise anyone I know not to do business with Synchrony and be sure to share my experience and the reasoning behind their "Logic".

I have been having trouble the last couple of years. I pay my bill when it arrives in my emails to be paid. I am then charged a late fee because they tell me I am paying too early. No matter how many phone calls I have made, I am told the same thing, that as long as I pay it without waiting for 2 to 4 days, then it screws up their statement period, and I will be charged late fees. This in no way seems fair or legal.

I have been the had fraud charges on my accounts in the past, so I check my accounts daily. Well this morning I find out that overnight my balance was lowered by almost $400. Never missed a payment. Always paid well before due date and with very few exceptions always made extra payments. Going to pay off and since they don't charge annual fees going to just let sit there. NEVER USING AGAIN.

Synchrony card is card is ASSUREDLY of no use to ANYONE seeking to maintain or improve his/her credit score... Synchrony meets the definition of predatory and messy business you don't want to be involved at any given point in your dealings. I was awarded $1500 spending limit to start with them and as soon as I used up to $266, the next day they reported it and THAT ALONE GOT My credit score dropped 22 ** points for using the card.... 22 points! Would TREMENDOUSLY RECOMMEND NOT USING ANYTHING THEY ARE DIRECTLY OR INDIRECTLY TIED TO. Bloodsuckers THEY ARE AND THAT'S WHAT YOU DON'T WANT TO DEAL WITH THESE DAYS! D.N.

Synchrony Bank automatically closed my account because of 8 months of inactivity. No warning, nothing. Just a 'nasty gram' letter. Sure, in their small print it may or may not have said they can do this at their discretion, but I'm sure they don't care that this can adversely affect one's credit rating. A forewarning letter would have been appreciated. Very poor customer service in my opinion. Thanks a lot, Synchrony Bank. Won't be doing business with you any more.

I had a horrible experience, after being on the phone over 2 hours, 1 supervisor (Stehxy) 1 Account manager (Sam) no one was able to help me. Even though I got a different information prior when I called last month and spoke with Jasmin. I’m a manager myself and this is not a way to treat loyal customers.

I had a Synchrony Bank/Care Credit card. I had one for over 8 years. In over 7 years I was never late with a payment. However since Covid I've had alot less employment (self employed). I was late within a little over a year on 2 payments. YES, 2 payments in over 8 years!. I received no warning. I just got a letter in the mail. They closed my account. I called them thinking this had to be a mistake. It wasn't. They canceled me for those 2 payments, which at the time I paid back right away with late fee PLUS next payment way before its due date. They still wouldn't take me back when I assured them it would never happen again and that was the manager. Well Care Credit I wouldn't take you back if you paid me now. You are terrible to your good customers! Unfortunately my animals will suffer as that's what I only used the card for. Where's your support Synchrony Bank, at the worst time ever in this world. I didn't even want to give you the 1 star!

To make a long story short: I've been having the same recurring problem with submitting payments, via customer service, with CareCredit/Synchrony Bank. For four consecutive months, trying to make allocated payments for specific transactions with this company has been very frustrating and suspect. I've had to make multiple calls to resolve problems with processing simple, basic and uncomplicated transactions. With every phone call I get a confirmation number verifying the transaction, only later to discover upon checking my credit card account and my bank account that either the payment was not processed or the payment allocation was not made and in the meantime late fees, finance charges, interests, or whatever verbiage at the time being used by the rep, is tacked on to the balance. Really???

I had many credit cards with Synchrony Bank and I have never been late or over the limit plus never even close to credit line. Only 4 of my credit cards was I using and out of the blue Synchrony bank closes all of my accounts. I call them up and speak with 5 different representatives who don't help me at all. They said they sent me a letter but I never received one. They once before did the same thing and also said they sent out a letter but I never received that one either. So I wrote to the BBB and now after the fact I received a letter for all of my cards. I have a very good FICO score and a great rating with Experian. Synchrony is the worst bank to deal with in my opinion.

I set up bill pay and my payment wasn't suppose to come out until April and they took 2 payments out of my account and seriously overdrew my bank account and they wouldn't put it back. They are a Horrible company and everyone should be very cautious with them. They don't care about their customers they screw their customers for whatever they can get. I will NEVER use them again. Jerks!!!!

Dr's office charged my card due to schedule of surgery. Unfortunately, Covid came, and I was not able to proceed with the surgery. I CONTACTED care credit which I recorded and explained the situation to the representative. I was told the charges would be "frozen" until my procedure was able to take place, and I would not be charged late fees, interest, also guaranteed it WOULDN'T affect my credit. I RECORDED THE WHOLE CONVERSATION WITH CARE CREDIT! To date, I still have not had the procedure (and will never, due to care credit closing my card) and the card has caused MULTIPLE issues with fees, interest, and my credit! Care credit did not keep their word! Not to mention during a WORLD pandemic they took advantage of the situation. I will be Contacting a lawyer!!!

I'm very disappointed with this company. I have been late 4 payments during COVID. I have made my payments just a few days later. I had gotten my balance paid off last week. When I went to use my card this Sunday it has been closed. While I looked at my emails it's didn't give me a reason. I then looked at my credit score and it took me down 11 points. When I called in this morning to get some understanding it was quick and dry, "Sorry. No. We can't help you. You were late 4 times." Sorry If I lost both of my jobs in the last year however I still was able to make my payments without missing any.. This is how you treat your customers during a WORLD WIDE PANDEMIC. I wouldn't suggest this card to anyone. They don't care about your personal self. I will go on every outlet every day and make a negative remark just like they did my credit score.. Thank you for being so caring Care Credit.. You're Awesome..

I had a $19. bill. I did not receive a bill for it, so the next month they charge $21.61 on top of the $19. Customer service is terrible, can’t get anyone. I’m not paying because all they have to do for money is not send a bill, then they get twenty dollars. They are a rip off company that has terrible customer service! I sent them my card and will not pay!

Synchrony Bank is the worst company ever. If I could give them no stars I would but that’s not an option. You can be a customer of theirs for years and they still will not help you when you get COVID or struggling because of COVID. I got COVID, was in the hospital, fighting for my life and these ** will not help you. I recommend that you cancel all services with synchrony bank and go with Capital One. Capital One has been more helpful and understanding. After this is over I will never use synchrony again. I can’t stress this enough. DO NOT USE SYNCHRONY BANK. They do not care about you. Go with capital one!

So I first got the Synchrony Amazon Store Card four years ago. All was well and I never had any issues with this account, until now. I usually pay my account in full each month to avoid interest and keep my statement balance at $0. I have never paid late, not once. Last month (Feb 2021) I had spent about $120 on my Amazon Store Card. I paid in full two days before the due date of 2/10/2021. Statement printed $0 balance on 2/15/2021. Synchrony reported $0 balance on 2/18/2021.

I have been a customer for 10 yrs with multiple credit cards linked to Synchrony Bank, 6 to be exact, as well as credit cards from other credit companies. I have always paid my bills on time throughout the years with no real issues. Unfortunately I was hit pretty hard/badly with the pandemic of 2020 causing a financial strain for the rest of the year. Out of all my creditors synchrony bank was the least willing to work with me.

Hi, please do not open a credit card account. They have no security if you want to do a chargeback. They will take the seller's side and leave you with no reason why. They just say, "The seller has advantage and we will add the total back to your payments." I made a purchase from a big company and I told them the box came in the mail but they forgot to put the item in the box, the box was empty with pads to protect the sides looks like I had return something and send it back in the box.

I was a long time customer of Care Credit (one month shy of 5 years, with a credit amount of $9000) and I NEVER missed a payment or was late paying. Due to COVID and the difficult past year, I had two (one in March and one in November) where my Health Saving's Account fell below the usual balance, and my automatic payment for Care Credit was declined, BUT paid the very next day.

Hi, as I read more of these reviews I feel empathy for everyone. I was a holder of a Synchrony Credit Card until they decided to close it on the basis of high risk failure to pay. I would like to know what basis they determined this on when I am up to date on my payments and have paid over the minimum payment each time. No one on the phone was of any help and treated me like I was irreverent. I have been doing everything right and they still closed my account during COVID -19 at that. So if they continue to waste my time on the phone running in circles, not answering any of my questions, I am organizing to SUE for wrongful determination during a pandemic. If anyone else if interested as well don't hesitate to contact me.

I have 3 accounts with Synchrony Bank with different stores. I pay sometimes two times in the same month but I wondering review my statement and I found the bank charge 28$ late fee and I call the bank lot a times about same situation and they don't care. Today I report to all customer take care in your statements and review charges, they don't care customers and I don't know how many customers in the world have same problem, this institution need restore all charge to the accounts.. Please take care with synchrony bank

There were 595 consumer reviews of Synchrony Bank in Stamford, Ct on the BBB website. Synchrony Bank has a rating of 1.06 STARS out of 5 STARS. There were 1950 complaints in the last year alone and 5053 complaints in the last three years. Somehow, the BBB rates Synchrony Bank with an A+ Rating probably because the BBB collects a yearly fee from Synchrony Bank and presumably because Synchrony Bank will provide you with a canned response no matter what. There is a huge difference between legal and ethical norms. Synchrony Bank can do just about anything they want to legally but that does not mean it is ethical.

To like cheating me out of $44.95. I look at this way if I have been a faithful customer for 25 years. And they fail to protect me. I can have no confidence that they will protect me in the future. Don't do business with this bank. Too big. You are a statistic and they could care less about you personally. I'm in process of going to Chase Bank.

I had a CareCredit card with them for my animals. Never missed one payment. Never had a high balance. I just got notified this account was closed when my credit dumped 50 points. They closed my account after review of my credit (which was 719 before they closed the account) and after review found 2 late payments (insufficient funds). These 2 late payments were during hurricane Harvey and when the pandemic first started. During natural disasters. The payment still got made!! I just didn't have the money in the account they drew from. Don't trust the bank. They don't care what situation you are in. They just want their money and will leave you high and dry when they don't get it. I now have a sick dog that I was getting ready to take to the vet this morning before I got the notification on my phone. What am I supposed to do? Give my baby up because we are all suffering right now?

Due to my race Synchrony Bank reduced my credit line from $5k to $1k for no reason. This is the worst bank! Bad service! Rude mgrs. Save time and money. Go to their competition. Shame on HSN for using them.

After covid they decided to lower my credit limit which hurt my credit score. It made it look like I had overspent on my limit, so I made a BBB complaint on them. They decided to do it again in the last month so my credit keeps going down because they keep lowering my limit below what I owe. Don't get an account with this company!

In September, they gave me a credit limit of $3000. I’ve paid my balance on time every month. I pay well over minimum because I’m paying it off in a year to avoid interest. Well, I got my balance down and today the credit bureau told me my score decreased. I didn’t understand. I go to look at synchrony bank randomly and without warning or cause decreased my credit limit and now it looks as if my credit card is MAXED OUT!!! They didn’t even inform me. Stay away from this bank this is the type of bank that THRIVES in taking down Americans' financial stability.

I bought a treadmill from Amazon, and requested 6 equal payments. We were charged the full amount, not a payment. Solution from the bank: "Can't change it, return the treadmill and reorder." Not a solution.

This company separates interest free “promotions” without clarity or alerts even when you have opted in for alerts. I was charged almost a thousand dollars extra for my pets surgery due to unclear promotional time frame splits for a single incident. When I called and waited for a supervisor, they offered no remediation or concern. I immediately paid off the full balance and cancelled this card. Do NOT recommend this institution which feels dishonest with complexity on interest promotions to consumers.

This credit card has been paid what I owe - but they did not pay Verizon the money I paid to them to pay for my phone bill for at least four months! I paid -in full- my Verizon bill on this credit card (Verizon suggested I use - in order to get $10.00 per line discount on my phone bill). I receive notice my phone was turned off for failure to pay. I can’t seem to get any help- only lip service for Synchrony agents!

Synchrony is everywhere now and is making PayPal look like fools. I think this operation is run by criminals. PayPal used to back you up and now since Synchrony is involved China is getting more support than United States citizens. Chinese con artists are all over the internet and ripping off Americans every day and financial institutions are not doing anything to help people. They are in bed with China. This is my opinion from what I have seen change in the last few years. PayPal used to back you up and now they sell out to anybody who can pay like China. This is a sad day for Paypal and Synchrony and I think Synchrony is the problem. PayPal was never like this before. Thank God I paid off my Paypal account and I just paid off another Synchrony account and have one more to go and that should happen in the next 30 days. BYE BYE CROOKS!!!!

I have Sam’s Club MasterCard issued thru Synchrony Bank. I just had fraud on my acct not much few hundred. I also reported fraud to bank and I contacted companies also to explain. The companies credited voluntarily the fraud. Today I go to use my card at pump it’s declined. I call bank. They tell me internal risk factor. What is that! My credit score is 750. I had many cards with synchrony bank all were closed today. I had built up rewards on some cards and now I am told those monies are forfeited, even though they were earned for 2020 to be paid in one week. I feel robbed by the bank I trusted. I feel this is a horrible thing to do during a pandemic to people. I pay my bills never late etc, I don’t finance with them.

I have no late payments, all accounts are current. Synchrony chooses to reduce credit limits. Close "0" balance accounts. This has decreased my credit score 75 points. They approve credit cards at one amount and then reduce them. Showing your credit available being maxed out. When you pay them off, zero balance. They close the card. They are destroying my credit. Do not take any accounts associated with this company. I have most of mine paid off and my credit is still in bad standing, thanks to this company.

The credit company took my 2000 credit limit to 250. During the pandemic, I paid one month of 250 to lower my bill. My statement came out my credit limit was 250. Paid on time, no late payments and I'm treated like a poor customer. And the customer service lie to you and tell you that your credit score must have went down. No. You did it. Bc now its looks like my credit is 50% instead of 15% on my credit report. Then she hung up on me. It just sad how this company treat people.

I needed assistance with my Discount Tire Card. I called and the automated system was a nightmare! It took me over 3 tries (I kept getting disconnected or the automated never asked what I needed so it kept repeating the same questions over and over and then disconnected me). 45 minutes later I finally get through to a representative who was minimal help. Don't get me wrong. It's wonderful to have a year to pay with no interest but go into it knowing if you need assistance it won't be pleasant.

I have had an Amazon store card by Synchrony for 5 plus years I have never missed a payment and I have always paid more than the minimum payment. They have decreased my credit limit twice, both times it has hurt my credit score. This bank/financial company has hurt my credit score. When I called in the person I talked to said that they can reduce your limit at their discretion. They never raise your limit unless they can do a hard inquiry on your credit which can also hurt your credit score. Yes I carry several cards with high limit, I pay over the minimum and always on time. I have paid them off and then used them again, never out of a balance that I feel that I couldn't pay for.

Bad Customer service. I refuse to believe this is a bank that cares about their customers, they gave me such a hard time with verifying myself and although my mobile phone and email is connected their systems just didn't work and failed to send a code. Waiting for a letter by mail because of their system is just outrageous. Should have read about them before getting a card with them.

My account was closed as my payment method used was rejected 4 times and kept on being rejected due to a wrong wire number I received from my bank when setting up my auto payment on the Synchrony Bank portal. I tried 4 times to set up the autopayment and on all 4 occasions the payment was posted and the rejected later on and I could not figure out why as there was no feedback as to why the transaction payment was rejected. I tried calling for help holding on for 45min and an hour on two occasions without even speaking to anyone. I then tried writing and never got any help or guidance from Synchrony. They just closed my account.

I have several credit cards through Synchrony Bank. A few months ago they just randomly lowered my limits on 3 of them. I received a message a few days later saying that my credit score had been lowered due to this.

Let me Begin by saying there is a reason to not deal with credit cards! I had a Belk account and a Lowe's account I have made my payments on time several years never maxed my card out! So as usual before my due date I made two payments online went through all the steps and didn't think much more about it. Lo and behold I open up my bank account and Synchrony Bank just took it upon themselves and drained my entire bank account by taking out the full amount owed. Good riddance to you. I will tell everyone what you did to this hard-working honest girl that's just trying to make it on her own! I've never felt so disgusted over a business!

I have had a Synchrony card through Mattress Firm for 18 months. I have never missed a payment, usually pay more than the minimum payment. My most recent statement had a late due charge! There is no customer service number to call. The only contact can be made via internet. During internet chat, the chat ended prematurely. Very dissatisfied with Synchrony.

I have had a Lowes credit account for years and used it occasionally, generally to take advantage of a special promotion. I had not used it in a while so Synchrony chose to drop my credit limit from $12,000 to $1,500 which caused a significant hit on my almost 850 credit score. No warning, nothing... I closed the account immediately and will also be closing my PayPal credit account, which I seldom, if ever, use because it is also a Synchrony account and I am not taking another hit for being prudent with my credit.

This company does not care if they ruin your credit. They are closing my accounts for no reason. I have never been late on any card payment. They closed my Rooms To Go account while I still have a balance on it. This has made my credit usage on my credit report show over 100% of my credit used and my score has taken a major hit. I’m so frustrated and am trying to protect my credit from them doing this again with my PayPal card which hasn’t been closed yet, but I’m sure it’s coming after reading everyone’s reviews. This isn’t right and something needs to be done! I worked hard to have good credit and this company is trying to ruin it!

@CareCredit @Synchrony I took my dog to the vet, the bill came to $419.00. I THOUGHT I had a balance of $1597.00. It was declined. I contact @CareCredit who informed me that they lowered my limit unbeknownst to me. I’ve always paid my bill on time. CareCredit @Synchrony the powers that be figured I didn’t use my card ENOUGH, they would take a step towards ruining my credit! Never mind the fact that you pay on time every time. Most credit card companies send out a notification and allow a grace period. @CareCredit @Synchrony my available balance went from $1597.00 to $107.00 how is this ok? A credit card company should not be able to ruin a person’s credit when that person PAYS their bill on time! I feel like I’m being punished.

I have been applying for a JCPENNY credit card since 1980. It is now 2021, and still can't get approved. I know people with limits on their JCPENNY cards with limits as low as $100. Why not me? My credit is good enough I feel,.

They closed my credit card with no notice causing me to lose a lot of reward points and have many pending charges cancelled. This was for an account in good standing and I had never had a late payment.

Terrible experience with the Synchrony issued Amazon credit card. My credit limit is a paltry $200 with no way to increase it. I have tried and have gotten denied even though I have a credit score over 700, stable income, and have had the card for a couple years now. Posting payments takes WEEKS, even with autopay. Say you make a payment on the 1st of the month, your usable credit does not apply for WEEKS! Customer support has confirmed this over the phone. What good is a getting 5% back on Amazon purchases if there is no way to use your credit? Purchases get constantly denied for no reason - I am trying to make a $39 purchase with $47 available credit. Nope, not going though. I am going to look for a way to cancel this useless card without a hit to my credit. I can't believe the largest ecommerce retailer has gone with this useless company as their credit issuer.

I had an account with Synchrony Home. I never missed a payment and I was never late. I paid the card in full in three months. It sat with no balance for two years. The company closed my account and then made a derogatory remark to the credit bureaus. They refused to reverse the erroneous remark which caused my credit score to take a hit. This is a predatorial lender, stay away. If you don't keep a debt and remain their slave, they will get theirs.

Synchrony uses an app to verify your identity when you apply for credit. It doesn’t always work. I tried three times to upload photos of my driver’s license and a photo of myself through the app and on my phone and I thought the third time it went through. I was told that I was denied because they couldn’t verify my identity. I called them and told them the app malfunctioned, they said they couldn’t do anything about it. I told them I already have three accounts with them. They said it doesn’t matter.

I opened an account with this bank for a PC Richards credit card. They ran my credit and gave me a 1000 credit limit. I’ve been paying it without delay and before it’s due. I received an alert from my credit monitoring app that my credit decreased and my score decreased as well as my balance. Upon review I discovered that Synchrony Bank decided to drop my credit limit to 400 dollars. Upon calling customer service and waiting over 20 minutes I was told there was nothing they could do. It was an automatic review and was hung up on, which again makes absolutely no sense considering that outside of Capital One this is the only credit card I have and my payment history is excellent. Synchrony Bank is a terrible horrible bank that deserves to collapse in on itself. Stay away from this bank at all costs!

After my first experience with Synchrony, I should have known not to get another account. They reduced credit on not one account, but another that hadn't been used. No matter that payments were made. The negative hits to my credit in a single month was in excess of 50 points. Will pay off account and never use again. Cash only at any vendor offering their credit from now on.

I have been an excellent customer of Synchrony for the past three years. I applied for and was approved for a Synchrony Care Credit card. I applied for this card to help cover vet expenses for my Boston Terrier, Daizy. She had glaucoma, allergies and other medical issues that required daily medications and several vet visits a year to keep her healthy. I paid my Care Credit card in full and most times BEFORE it was due every time I used it for her. I applied for and was approved for a City Furniture card. I was saving the card for new furniture for when I closed on my new house this year in the Fall.

Unfortunately, like most Americans and people around the world, my family has been drastically effected by COVID-19. Most of my creditors have been understanding and have even offered to freeze payment for a month or two until I could catch up. This company pulled my credit score (which lowered my already low score) and then lowered the amount of my credit card limit. I had just paid $150 on the card and was hoping to use some of the money to buy food for my family on the Holiday. When they lowered my limit, that took away the extra money I put on the card. This company is greedy and does not care about its customers. I would not recommend this company to anyone.

I have had Synchrony Mastercard through Paypal for approximately 3 years. I primary use this account for business and take advantage of the 2% cashback. This account has been problematic from the beginning. This account has continued to have issues with security freezeouts on my account. This would happen almost every billing cycle. Recently the security lock-out have been happening on every other transaction over the last 6 months. Recently I lost several important payments for inventory because of the security freeze. Because of the freeze I lost out on purchases costing me over $4000.00 lost opportunity revenue. After unfreezing my account for the 4th time in 2 months I am filing this review.

Do not open any credit cards with this financial institution. They have poor customer service and account specialist that do not honor their word or follow through with their decisions for customers. I had an issue with a deferred interest payment, I was told over the phone to make the payment and contact back to see what support they could give me. I made the payment and called back, and they agreed to remove the interest charges. Couple of weeks later, that request was supposedly denied and never happened, and they are still trying to collect the interest charge from me. These people are heartless, untrustworthy, and scum.

Horrible company practices. I wish I never applied for credit with Ashley Furniture. Closed my account despite making on time payments. They should be investigated by BBB!!! I will never do business with these crooks again!

I applied for the Amazon Credit Card offered through Synchrony. I was approved for a $1600 credit line. I logged on to my Amazon account and there was my card and a request to make it my default card. I did and decided to place an order so that I could use the subscribers discount that was offered as a lure to apply for the card. I placed the order and received $60, as promised, off my first order. Lo and behold the next day my order was put on hold and and the card declined. When I called Synchrony, I was informed that I could not use the card until I received it in the mail. I explained that the card was in my Amazon wallet but was told again that I could not use it until I received it in the mail. How hell would they know if I receive it in the mail.

Applied for and was accepted for a Verizon Visa thru Synchrony. Started using and a couple of days later they freeze the account after I called to correct an error they had made in the listed contact phone number. After a long wait to talk to someone's, they said they would mail me a pin and I’d see it in 7-10 business days. Never got it. All the while, can’t use the card. So I called back and after another super long wait they said they would have to mail another pin, which would be an additional 7-10 days. I’m done. They lure you in with the promise of 4% back on groceries which is better than other cards but not nearly worth dealing with the long waits and poorly trained, hard to hear and hard to understand customer service reps who are happy to parrot cue card jargon while demonstrating zero empathy or interest in actually addressing the customer’s concern. Do not recommend this bank or card.

Synchrony Bank has awful practices. Opened a card to purchase furniture, $6k limit. Always pay, and even pay extra to make sure I don't get crushed with interest. For no reason they pull my credit and drop my limit. All of my other credit cards reached out during Covid to see if I needed assistance. They just dropped my limit. 5 months later they did it again!! They are personally responsible for the negative impact on my score. Then I find out today, because I notice $245 in suspicious fees that they have no grace period, so even if your payment shows up 1 day late you are charged $40. I was never notified of being late because it was never more than a few days, mostly because the bank sends it electronically and a weekend hit. Again, no notice, no letter, I just happened to notice a fee. I have placed multiple complaints. I cannot wait to pay this off and never be associated with this criminal enterprise again.

I have 6 accounts with this company, all paid on time, no late payments ever. Recently they closed B & H Photo store card for no apparent reason. I had no balance on the card, had not used in months, previously always paid on time, and ahead of schedule. I e-mailed them to inquire, they referenced on of my reports but nothing had changed on the credit report. My response will be to pay off and close all the accounts and write the store's CEO's to let them know about my experience with Synchrony. I will refrain from doing business with them in the future.

First, I was not told this was a credit card account. That being said I was somewhat taken back when reviewing credit report. I discovered that instead of a installment loan it was a credit card. I had $1700 limit and had charged $1500 plus. So my credit immediately nose dived due to high utilization. Over 50 points in fact. In 5 months I get the balance to $840. Do you know how they reward me with paying on time and making extra payments. They decrease my credit limit from $1700 to $910. Once again pushing my utilization up and credit down by 50 points. This is ridiculous, I'm so glad I wasn't in the middle of a large purchase. I would be livid.

I'm truly confused how this bank can be in business. My experiences have been quite negative. They have charged me late fees when payments were made on time. The most recent issue is a card I got for Discount Tire. They double charged me for the transaction. Then, I tried to make a payment TWICE on the balance and both payments were denied by them. (Not my bank, them.) They were unable to give me a reason. I've called multiple phone numbers, unable to ever reach a human. The automated system hangs up on me. The online chat representatives clearly have no idea what's going on. The first person I chatted with told me I would not be charged a late fee, and then I was. The amount of frustration caused and time wasted by dealing with this institution is really unnecessary. I've cancelled my card and will never do business with them again.

I regret so much open my discount tire and care credit with this bank. I never pay late, l never use all limits and a year late just l got a letter from my bank that my two accounts are closed. What??? Synchrony bank hurted very bad my credit score exactly when l was trading my car and for nothing! I always paid everything and the bank just messed up with my credit. I couldn't believe it!

Attempted to set up bank account to make payments. Synchrony software "glitched" and no payments were recorded with new bank account. Synchrony charged $27.00 for non payment - no payment was due yet. Attempted to add bank account again - same result. Called personal bank and they helped set up Synchrony connection. Paid off total amount. Then Synchrony closed account because I had TOO MANY NON PAYMENTS - without warning. I called and rep was no help. I've closed ALL of my Synchrony accounts and will not have another.

I wish I could've given zero stars. The thousands of complaints from people each stating the same thing. They will lower and raise your credit card limit and close accounts with no rhyme or reason. So then you are over the reduced credit limit and that goes against your credit score. Paid on time and never even late. They just closed two accounts for no reason. Dropped my credit score 50 points. Before this they lowered the one randomly and then raised it again within 3 months. They say they base it off of "certain factors" but the factors never changed and in fact had gotten better than from when I applied.

Do not use this bank. They treat their customers shoddily. They refuse to help in basic customer service and always make 'errors' in their favor. I strongly recommend to avoid at all costs. There are much better on-line banks out there.

Updated on 12/5/2020: This is a follow up to my previous review. After being on hold for over an hour this evening, I finally had a customer representative pick up, Erica. (As I stated in my other review I had been trying to pay my bill over the phone and the automated would not work so it had me hold for a representative.) She asked my name, I gave it to her, and then she said “Our systems are down and we are asking customers to call back in an hour.” I explained to her that I had been on hold for over an hour, and why was there not a recording announcing this when you call the Synchrony number? This way people would not be on hold only to have a representative pick up and tell them that they had been holding for nothing. Erica was abrupt, impolite, and unapologetic. Just when I thought they could not get any worse, they proved me wrong. Unbelievable.

Synchrony Financial closed all my accounts on the day before Thanksgiving. Never have I paid late. I'm currently contacting the CEO'S of each card, so they can reconsider doing business with them. Smh.

I had a Synchrony discount tire card and paid it off in a timely manner. They closed my card without my knowledge for absolutely no reason. I cannot stand Synchrony. We are literally going through a pandemic and they want to kick us while we are down. Utterly the worst company ever.

By far the worst bank I have ever dealt with. Customer service is the worst, different story each time you call. Their turn around time to resolve is almost 60 days. I only have one star because of their equal payment options, however under 200 is not included. When I tried to pay off my purchase of under 200 I had to jump thru hoops to do this. They advised my payment I made would be applied correctly however they applied to another purchase that was a promotion. When I called they advised it would take up to two statement cycles to be adjusted, this is not what I was originally told. Since they charge 27% percent interest I was concerned, however they keep saying up to two cycles. Don't understand why they don't allow you to allocate payments on their website. The only way to do this is to call and speak to a rep who just repeats back to you what you say to them. Avoid, avoid, avoid.

After several months of lost income due to COVID-19 I’ve reach out to credit cards for help. From American Express, Visa and Home Depot they’ve offered 3% or less interest to help. Lowe’s card from Synchrony Bank was not only rude and constantly after me but refused and continue to charge me 26.99% interest as I struggle to catch up.

SO Synchrony bank decided to close my account with TJmaxx because I accidentally paid with the wrong account which returned the payment on a $0 minimum payment due because I had paid twice the month of October and was making a third payment. The rude customer service representative tried to argue with me about it. First of all this practice is absolutely ridiculous!!! Second of all I paid that bill twice if no three times a month. This makes absolutely no sense and this will go on my report as closed due to lack of payment which is false!!!! Something needs to be done about this ASAP!!!

There is a $140.00 balance on my account that I do not owe. I have made numerous attempts to straighten this out. After much time, many calls,..I realized that they said that they sent a check for $140.00 in the mail. Never got it,..never cashed a check for that amount. Be aware that most likely the favorable reviews are bogus.

I have had two cards with this company. The first is a Bowflex card that I paid off in full with no missed payments. They canceled my card. The second is a Rooms to Go. Again always paid on time with no missed/late payment. Today they dumped the entire credit limit except for the balance and 20 dollars over it (using a promotion). Maxed my card and damaged my credit score. I advise not doing business with this bank. Loyal paying customers are not appreciated by them.

I applied for a CareCredit card with a small limit to cover the cost of my upcoming cataract surgery. I received a letter that my application had been denied because Synchrony Bank had been "unable to confirm my identity." I've had many credit cards, including a merchant card from Synchrony Bank, and an "Excellent" credit rating from all three credit agencies for 50 years - I've never had a late payment on any account.

Needed furniture. Went to R2G. Approved for $4900. Spent $4500. Paid balance down to $3500. Never close to being late. Credit limit lowered to $3506, without any type of notification. What a crappy thing to do.

Synchrony Bank is the WORST bank, I ever dealt with. They have NO heart or graciousness to their customer, especially the one that having a financial hardship in this pandemic. They just thinking about MONEY, MONEY and MONEY.

I paid off my motorcycle on October 8th, 2020. Still waiting for Synchrony to notify the State of Ohio so I can get my Title. Called today and Synchrony is now telling me I have to wait another 15 days + snail mail, which was their original time frame. Real customer service would have sent it overnight mail.

Sam's Club offers a credit card through Synchrony Bank. I've been a member or at least 15 years with the credit card. I pay off my credit card in its entirety every month. I have been late 10 days with my payment and they froze the card. No notification that they were going to freeze the card and then when I spoke with them they were very ignorant about it and unprofessional. I spoke with a service member about the card and she just would not even say anything as if she hung up. Then I spoke with another member who transferred me to a manager who said, "This is just what we do to anybody that hasn't made a payment." They said that they would reinstate the card when a payment was made. If you're going to you Synchrony Bank or credit. Good luck they are very ignorant and unprofessional.

I had 10 credit cards with this bank and for no reason at all they closed all my credit cards. Never never never I would business with this bank.. Stay away from this bank. I can only imagine how bad my credit score is going to be after.

Very nasty rep. Ran my wife’s credit got approved but needed to verify and hung up on us after during verification because she could not receive a text message from them. Will never do business with them.

I opened a Synchrony Bank Paypal Mastercard because it seemed to be an easy way to order and pay for goods that people ordered to help support my dog rescue. I opened it in May, paid it regularly, in fact often weekly because the credit limit was only $4000. Come October I go to use my credit card and Synchrony has closed my account. No warning. I call and am told the "Risk" department sent me a letter that day but no one can tell me what the criteria are for closing it. My credit score is 831. The paypal account it is tied to has $7000+. I wouldn't even treat a bad customer this way. I want an explanation and an apology and they had better not have messed with my credit score.

I have been a loyal customer for a couple of years, In early October I lost my debit card and like most people my accounts are set up on autopay! Well I missed correcting this account that was due on 10/14/20 and one other account! By the 22nd Synchrony had already made the decision. By the way my credit rating is excellent with Transunion and I have never been late or missed a payment with them, a side note. I have two other accounts with them in good standings that have been paid in full. Is this the way you want to be treated as a consumer? Do they legally have a right to do this considering it can cost me thousands in finance charges as I am in the process of buying a house. We deserve a voice against being bullied by big corporations that can make us or break us as consumers.

I am writing this review to highlight the devious and felonious business practices of QVC and Synchrony Bank. For the past 7 months I received monthly statements where I am being charged for items never received. Every monthly statement I received have exorbitant over limit fees, flex pays added when the flex pays should stop and credited to my account. The over $1,000+ payment I was making every month would never decrease but remain the same $6,000+ on each monthly statement for the past 7 months until the latest one being $7,000+ which I enclosed with a letter to Synchrony Bank showing I better have this amount credited before 60 days.

This card is a perfect card for you to keep and use for all of your day to day needs. It is also great for your big items. It is easy to use and the billing is right on and easy to read. I love this card.

I just logged into Synchrony to pay a couple of my credit cards and out of the blue on 10/27/2020 they closed all 8 of my credit card accounts. I have always made my payments on time. Many times I have paid off the cards and also made early payments. What a horrible thing to do when my dentist was just getting ready to charge a month's worth of dental bills to my Care Credit card and now $1000 will have to come out of pocket! Horrible company! I hope they go out of business!

The rewards are the highlight of this credit card. I like that it can be used for groceries, gas, food, etc in addition to healthcare. The APR is quite high at 21% but I pay for purchases made each month instead of using my debit card and get cash back or gift cards as a bonus.

Closed all 10 of accounts same day. Lost 55,000 credit. Perfect customer. Good job. Destroyed my credit. I pray everyday to God hell get his wrath and close them. I believe he will answer my prayer. Worst company.

I love the fact that my purchases are on a promotional basis with no interest charged! I find their website to be totally user friendly, NOT!!!

I got a Rooms 2 Go card thru Synchrony Bank to purchase a day bed with a trundle bed. I am sending $50 per month, which is triple the payments. However, because my credit score dropped, they closed my account, which then impacted my score even more. It seems like they should have looked at how I was handling my account in addition to my score, but they do not. If possible, I will not ever utilize Synchrony Bank again because of this.

The Synchrony credit card makes keeping my prime items that I buy in one place. It also offers reward dollars to shop Amazon. The app is very easy to navigate and pay my bills. Customer service has always been great when called.

I recently subscribed to this new card and so far has been great. I also are able to accumulate the points and they are generous with them. Since I pay my CC in full I can use those points for birthday or Christmas gifts for my 20 grand and 7 great grand kids.

This is an Amazon Prime Store Card. My wife and I use Amazon a lot so this is a very convenient card to have with all purchases on one card and cash back to boot. Love it!

Like a lot of things these days, their customer service leaves a lot to be desired. After many years they started closing my accounts with no warning or reason.

I had the misfortune of getting involved with Synchrony bank as they were partnered as a website's credit card provider. After "taking advantage" of a 1 year no interest offer earlier to purchase a computer for school the nightmare started. Month one I found out the auto enrolled me in a program that was adding an additional $80 every month as an "insurance policy" in case I was injured and couldn't make payments! Not only that but this charge itself wasn't qualified for my no interest promotion and thus immediately begun to accrue interest. It took 7 emails and over 4 hours on the phone to get this taken off.

When I had to put my 16 year old dog down a couple of days before Christmas, I was excited to hear about Care Credit. They would provide me financing and it would be interest free for 90 days (may have been 6 months). How awesome is that? What I'm sure it tells you in the paperwork, which I didn't read through my tears, was that they do charge a late fee, no matter how late, of $28. I would have preferred to pay interest the whole time. But I guess that means they wouldn't get as much money. Greed disguised as compassion. They should be ashamed of themselves.

Moral of the story: 100% on time payments over 3 years, doubled my annual income, same or better credit score from the time I applied for the card, still ended up working against me somehow with Sychrony. I have a Synchrony Credit card with Guitar Center. I make more money than I did when I applied, have made 3 years of on time payments, never late. I got a notification saying my credit limit was changed. I called to see how much it went up by and found out they actually lowered it from 1,100 to 400! I've been making payments to get below the 30% usage and also to increase available credit for a big holiday purchase. That is now out the window as they cut my credit limit significantly. I was almost below the 30% usage and now I'm all the way back up to 80% because of this. I was waiting on my replacement card to ask for an increase, but it went the other direction before I even inquired about an increase.

Customer service sounds like you're on a speaker phone with the speaker very far away - they don't speak much English and have you jump through hoops just to pull up your account: verification code is recited over the phone with no explanation (was I supposed to write it down?), they want your name and address, then spell your name and address, then transfer you to someone else who is in a different department (why, I don't know) who again asks for your name and address, says they need a verification code, blah blah blah. Every other bank is either automated, or the agent looks up the phone number you are calling from and has your info right there. At a minimum they might ask for the account number and then a security word, but not Synchrony Bank. Ten minutes later, and they are still asking for a verification code and my address!

I have perfect payment history with my Care Credit Card that I use two times for small payments with a $950 credit limit. I got a letter in the mail saying based on creditworthiness they were closing my account. The managers that I spoke to at customer service for horrible to me and told me there was nothing I could do. I feel like this is a deliberate move due to so many people struggling with the coronavirus pandemic that they're just cutting any cards before they lose money. Now I actually need this card for something I'm having done in five days and if I reapply I may not get it. Even after having perfect credit history with them this is just wrong.

Synchrony allows me to charge clothing from JCPenney and Blair. This has been great since CO-VID has limited shopping. My daughter has continued to grow, so we have needed to shop online.

I've had similar issues with Cards I've held for merchants utilizing Synchrony. Seems that their periodic reviews lower credit limits, and now in this case CLOSED the account with no adverse behavior on my part. When I called them, their Customer Care stated that in my Terms & Conditions it says they evaluate accounts every 4 months and this last review gave them a scare so they closed the account (reviewing real estate balances (its a 30 year loan ^)^ that is current), Balances to limits on store cards, lots of cards, etc. Thing is, my credit score was the same then. Nothing has changed except that I'm paying this account down slowly just like every other card I have.

I have 7 Synchrony credit cards, mostly because they have taken over other companies and my cards that were originally with a store or other company now belong to Synchrony. I have always made well over the minimum payment, never been late, always stayed below my credit limit. I was one of the lucky ones when Covid hit and was able to keep my job, so paying my bills wasn't an issue. I received a notice from Credit Karma that my score dropped by 48 points in one day, and that ALL of my Synchrony accounts had been closed. Paypal, Amazon, Chevron, Care Credit, Lowes, Old Navy and more. No warning, no call, text, email, nothing, just closed all of my accounts and ruined my credit, overnight. I called and was told there was a letter in the mail to me and that it was a "business decision".

Company was very easy to work with, understood what I was looking for as far as good customer support. They also send out billing as a email to help cut down on paper. Just a great customer experience.

Steer clear of Synchrony Bank! They are NO GOOD! I wake up to 8 accounts being closed with them. They closed 2 accounts last month. One of these accounts I opened last month and they closed it this month saying that I was not using the card. Go to any bank, but them!

Like using the Amazon Store Card by Synchrony Bank. There's no interest payable if used according to the card's terms. I like that if I charge at least $150 total on an Amazon order, I can pay affordable payments without any interest accruing.

I have several accounts with Synchrony and never have a problem. If I need help from customer service they are very good to work with. I just have not had any issues.

They never sent me a credit card due to address error. Then, three months after my first purchase, they sent my phone # to debt collectors without my consent. I told them that, I cannot pay them a dime without a credit card statement and a credit card. Moreover, they have a really lousy customer service and I really had a hard time communicating with them.

I use this credit card for all my Amazon purchases and Care Credit. Love it because of the cashback and deferred interest options.

After my mother died I took the mattress she passed away on as I had bought her that mattress and I just didn't have the heart to throw it away. I left an abusive relationship years later and that mattress was the only thing I had to sleep on. It brought back lots of traumatic memories of my mother dying that I finally decided to get a new mattress but didn't have the cash to buy one so I came in contact with this mattress manufacturer that said they do No Interest/Same As Cash Loans for mattresses for up to 24 months so I signed up. It was a way to donate my mother's mattress to a homeless person that needed a warm bed to sleep on and a way for me not to be attached to the negative memories.

This cc has strict rules on late fees plus interest. Not that I like to miss a payment but covid presented new struggles and issues. Their billing cycles are not consistent plus customer service impossible to reach. Not consumer friendly with high interest.

Synchrony bank is a horrible company to deal with. The customer service people are rude beyond what is believable. They offer you a limit increase and when you call to request it they laugh in your face. I stopped using all of their cards and brought them to a zero balance.

My experience with this credit card has been...decent. For the first 5 months they were great, but then Covid-19 happened. I am a full time student, so I have dedicated all my time to my studies, so the breadwinner in our home is my husband. When the employees at my husband's job started playing hot potato with the virus, the company closed down for a whole month and laid everyone off during this time. My husband didn't get a check that whole time and when my credit card bill came due, do you think the company understood why I couldn't pay my bill by the due date? HECK NO! If I was you, I wouldn't go near this company.

It is quick and convenient to make purchase. Friendly reminder statement with payment and balance. The one touch buying is amazing.

Well I have paid off a atv through them, had a PayPal account through them for a year and was never late or behind on anything, I have worked my butt off trying to build my credit, they just cancelled the paypal and me and my wife tried to buy some furniture and she has a 724 credit score and declined us, I freaking hate this company, then they don't give you reasons why they did this! I recommend you don't do business with this turd of a bank, They even sold the Walmart credit card to Capital One too. They suck, I hope they lose their butt in this covid economy!

I was not even told my card was being canceled. I received a "account closed" by my credit monitoring company. When I called I was told they were not required to inform their customers that the account was being closed. She also said if I had called earlier like three days ago (Oct 12) they could have reactivated. Nonsense they don't let you know it's closing. How could anyone possible call to reactivate! Do not recommend doing business with them at all!

Unhappy person. I am just reading all the horror stories from people who had used this financial co. and all of them are saying the same thing. They closed us out and when you try to chat with them you have to go through 10 prompts and 3 callbacks. This is awful. USA company hurting more people than helping. I would be ashamed of myself working for them. Paid in full and never going back.

I opened a Google Store financing account 2 years ago to purchase a phone. I made all of my payments on time, but for some reason they lowered my credit limit without warning. Last week I tried to pre-order the new phone, and it was declined because my limit was too low. I applied for a credit line increase and was immediately declined, and they told me that I would receive a letter in the mail with an explanation. Their explanation was that I didn't have enough activity on my account. I have a high FICO score and a good income, so it really blew my mind. I called back and they denied me again, even though I explained that the only way I could increase my activity was to be able to purchase the new phone. If the account is specifically for financing a phone, how often do they expect someone to purchase phones to keep up the level of activity they're looking for? The customer service rep was no help at all, either.

This is very bad company that will lower your allotted credit amount without notice and then send the notice it in the mail after they had reported your new fixed amount. Each credit card shall have no greater than 30 % of your Credit Utilization (30/100). They purposely with intent, lowered my accounts credit amount from the original amount that was reflecting 30 percent of my Credit Utilization on that card. Now they made sure to adjust the allotted amount to reflect 100% Credit Utilization. Then immediately reported it to the credit bureau as if I over maxed their cards. I immediately canceled all cards with this Synchrony company under fraudulent activity. Do not think for one second they will lend you credit without consequences. This is highly damaging to your credit reports. All the companies that used Synchrony Financial are Chevron, Texaco, American Tires, Medical Companies and Care Care programs.

I have been diligently working on my credit. It has been a struggle but very rewarding. I HAD a Victoria’s Secret Credit Card for almost 6 years! I haven’t had a late payment in years. When COVID hit I made sure to pay off my balance while I had money. I was at a $0 balance since May or June. Money is funny and there’s no way for me to shop. I only shopped in stores because my weight fluctuates and I get fittings for bras every time I’d go. All stores have been shut down. About 2/3 weeks ago I get a Credit Karma notification that my score has been affected because of a closed account. With NO WARNING, out of courtesy at least, they closed my account and lowered my score. I was so hurt and I tried to call to see if there was anything that I could do. The automated message said if your account has been closed due to inactivity THERES NOTHING THAT CAN BE DONE... Click!!! It hangs up in your face. I’m very sad and upset.

CareCredit did not send me another card before my card expired and 15 days later, my account was closed. I called and received NO explanation. I spoke to 4 different people-1 being a supervisor. I have names and the call logs for proof. They were insulting and provided the worst customer service ever for a business and as a credit card company. Keeping in mind that I was on the phone with them multiple times for well over 2hours. I will never use them again and strongly advise others not to use CareCredit. I do not know how many times to say it...horrible service!!!

I'm leaving this review because I received a letter in the mail that my account has been closed. I've had the card for Gap for 6 years. I've never missed a payment, though I've usually carried some sort of balance on it up until this year. I continued to use the card because each purchase and subsequent payment earns rewards. I was saving up rewards and was about to use them. Then I find out that the account has been closed. They claimed that my lack of payments on my student loans was to blame, but I've made all of my payments on time since my graduation last year. I have no idea what they are talking about, but to add insult to injury they are throwing off my debt to income ratio by closing the account. It makes no sense to me, but at least I no longer have any store credit cards which was a goal. I just liked the perks of the Gap Card. Oh well, goodbye. They are probably doing me a favor in the long run.

They aren't very communicative. The terms aren't fully explained upfront so you're in for unpleasant surprises. Your credit has to be perfect and then they actually locked me out of my account when I tried to make my payment which forced it to be late. They charged me for Their mistakes!

I do not have an account with Synchrony Financial, but have been receiving mail for a previous owner of my home. Forwarding her mail had not helped, so I attempted to contact customer support to let them know that the mailing address on the account is incorrect. The answer I was given was "Stop receiving it," as though I have any choice in the matter. I just want to stop receiving other people's mail, but the customer service was completely unwilling to do anything about it.

My wife and I have several credit cards through this bank and they lowered our limits and closed one account when Covid 19 hit. They are all about self preservation. Never even called us to check our situation. We have since paid them off and I do not plan to do business with them again in the future. Horrible customer service and tough times. We used several of our cards for some renovations to our home which is what the cards are for and they punished us for it. What is the point of having the cards if you don't use them? They clearly over reacted...

When I 1st signed up with Synchrony I was advised no credit check is required. It is based on your annual salary. That was their guarantee. I make fairly good money so they approved me on credit. I got credit through their Care credit, Lowes, JC Penney, Paypal, Auto, Rooms to Go, HQ shopping, The higher credit which with JC penney, Lowe's Rooms to go as well it's care credit @2000.00. Now let me point out I have never, never been late. I have paid above the minimum required amount the majority of each payment. I have been paying in to this company somewhere around 300.00 a month for all these credit cards which I'm not having a problem with doing now.

I have had many credit cards, but never has a bank made it so hard to make a payment. I tried their online service for payments as I have done for dozens of other cards. Never did their online system work. I did not have late payments, but had to call in and make payments over the phone. After the third month that I tried re-entering in my checking account and the payment not working they canceled the card. Mind you I paid on time in full every month, I just tried their online system before having to make a phone call. Well, they took all of my cashback reward. I was going to cancel the card anyway because it feels like a scam. I would advise anyone thinking about getting a Sam's Club Master Card, Credit Card using Synchrony Bank to NOT!! SCAM would be a nice term for what this is, at the very least it was very poor customer service, and a rotten banking experience.

I had several accounts with Synchrony and for no reason they closed all my accounts. They said in a letter risk to payback. What a joke. I always paid my balance in full. Sometimes I did carry a balance but not for very long. I had a Amazon account and they also closed it. Dear public consumer don’t do business with Synchrony. I personally feel that it was a actual person who closed everyone’s account. Don’t know how however. I hope they go out of business. My advice find a good credit card company and make your purchases with them instead of Synchrony.

My husband and I both have a Care Credit/Synchrony card, separate accts. One of ours was recently paid off and the payment was made before the time and never late in the years of having it, but when it came to putting the credit limit back to match the payment amount, they didn't. Money was paid from out bank acct immediately and they received it, but didn't put credit limit back to amount. Not only that, but they had numerous amounts they were saying that was still owed and it changed based on a couple of days. When confronted about this, they came up with more excuses and no offering of facts to back their statements. No set time line and stories were never the same, even twice, and by different people.

I tried to get someone to send me the necessary forms to sign about fraudulent charges. I was never mailed anything, not even the original statements. So I do the steps of sending emails and chats online mailing letter, no response. So I contact **, took a month but I got their attention only to log in this morning to find out my account was closed for revenge because I contacted the BBB. Nice.... Not only do they have their own fraud department and investigation department, they do not work with the police departments cause most do not have this type department because banks have their own.

I have had a Care Credit Card for many years. I was never late with payments and always paid my card off. I was an excellent customer. During COVID my score decreased a little due to missing payments of other cards until my unemployment finally went through. Care Credit just used that score from freaking July and decided to just close my account. This is absolute bull. And in doing so, that lowered my score again. DO NOT APPLY FOR THEM. Use a different card to pay vet or medical bills.

As many others have posted, we are experiencing the same problems with Synchrony. Every time we pay off a credit card, they close the account the following month. We have never been late and recently began paying off well more than the minimums to where we could pay off many cards. Instead of keeping the accounts opened, Synchrony closes them. We have had many cards held by Synchrony. Not only is this place giving themselves a bad name, but they are also giving the merchants a bad name. We will never recommend Synchrony or get another card again. After all, even if you are responsible and make the payments or pay off your card(s), they either lower the balance or completely close the account. Such a terrible practice. Terrible customer service.

Despite their announced "10 minute" wait time, I was on hold for over 20 minutes before a person picked up. Her name was something like Deela, but she didn't say it clear enough for me to hear it. I tried to explain that Synchrony Bank (CareCredit) has erroneously charged me $279 in late fees for a year now. She began to snap. Every time I tried to say something, she would cut me off and talk over me. I tried to explain that my bank sends the payment around the first of every month (Synchrony keeps changing the actual due date making it difficult), but even 1 to 2 days late should have a grace period. However, she wouldn't listen, she just kept interrupting me, talking over me loudly.

Platinum Home Remodeling uses Synchrony Bank Financing for home remodeling. We secured financing thru them for electrical work on our home. Synchrony assured us that we had to give the final approval when the work was finished. They released our $12,500.00 WITHOUT our permission AND BEFORE the work was completed. Platinum bailed on the job & to this day they have NOT completed the job plus the work is shoddy & we have problems with the electrical. We disputed this with Synchrony & they did nothing except said it would take 60 days.

Just found out that Synchrony bank cancelled my Amazon Prime card after I was never late with payments. The customer service was terrible while I tried to figure out why they cancelled my account. I was never called, never notified except by my credit monitoring service that they cancelled my account. Avoid avoid avoid! I've never felt so crapped on in my life. I felt I was a great customer, guess that does not mean anything to these people. Thanks Synchrony bank!

I have been doing business with Synchrony Bank for several years and have had nothing but the best experience with them. I'm disabled and have 3 different cards with synchrony. I love that I can make several payments a month keeping my balance down and pay my full at the end of every month, what I still owe so no interest and using the automated system to pay using my debit card is so easy, fast and free. My payment is always added to my account as soon as I make the payment, same day. I don't have a bank account but from what I have learned it takes the payment longer to be received and added to your account when using a check, money order.

I am not happy with this credit card always pay more and for some reason the amount never lowers. This is insane, this is the last time I get a credit card with this company. Once my cards are paid I will shut my accounts down. BUYER BEWARE AND BE PREPARED TO PAY MORE FOR THE CARD ITSELF.

We have been customers for years and I have always been able to redeem my many points until this year.. They have locked my profile or it says Information Login entered does not match our records.. But if I hit the home button I can get into the rewards but I cant redeem them anymore.. I have written to various depts 6 times and been on the phone with customer service and the rewards dept for hours, they keep passing me back and forth saying it is the other dept responsibility to help me.. No one helps.. They say, "We cant fix it." What!!!! They cant fix it.. So now I will be losing over 18,000 points because there is no way to redeem them.. This is the worse customer service I have had in my life with a credit card company and they keep saying, "We are here to help you"..

After being an 8-year customer, always paying on time each month, twice the minimum amount due, Synchrony closed my account August 1st 2020. They said due to high risk! Again, Never late, on time, twice the minimum due each month for 8 years! This Synchrony is doing this to thousands of good-paying customers. Never will I ever recommend this finance company to anyone!

I have 13 credit cards with Synchrony bank and I just found today a Sept 7 they close my account. 13 account and not body tell the reason yet I call many times they only said wait for the letter but my 13 account is close. I never missing payments. Always pay on time. I need more details why. Not call. No letter. Just close my 13 account just like this. Not information about.

I had a Care Credit card that I had paid off and was waiting until after COVID to use the credit for my husband’s teeth. On 9/4/2020 I get an alert from Credit Karma that an account of mine was closed and was this my doing. I find that my Care Credit card was closed by Synchrony Bank. I check my account and sure enough I can’t even get into the app. I get a message that I need to go to the website. I am thinking that maybe it was closed because I hadn’t used it and it’s been sitting at a $0 balance for several months during COVID.

We were vacationing in Indiana for Labor Day. While I was trying to fill up the rental, my Chevron card was declined. No worries I thought. Used a different card and went on our way. Got home and decided to check why it was declined. ACCOUNT CLOSED. No notification at all. I’ve had this card for 12+ years. Fully paid. Never late. Decided to check my synchrony accounts ( PayPal, Rakuten, eBay, Amazon, Pepboys ). ALL WERE CLOSED!!!! They closed out 55K of credit. My CC usage was below 10%. I work as a system administrator and make 98K a year. I not even COVID-19 affected.

Synchrony bank is terrible. I have had some of their cards for years And they have went in canceled some of my cards for no reason. Never been Late and when I get a card paid up. They lower the limit. We are in a Pandemic so people are not working and I'm still not late. But being my debt is the same they've been lowering my limits and canceling my cards that have never been late. They are not helping people during the Corona virus. They are making things worse. At a time when the country should be helping people they are not.

I have never missed a payment on my rooms to go credit card. Three years ago I got behind in payments on other accounts, and have corrected all of those accounts. I have been building my credit score for over a year with on-time payments. I have never missed or been late with my Rooms To Go credit card- ever. My credit score has gone up every month and I have raised it over 100 points higher than it was... Synchrony Financial lowered my available credit from $1500 to $250 reducing my % of credit used and instantly dropping my credit score 36 points. I don't have any late payments with them, and none on any other account for over a year, but this is what they do?

I am so disappointed, not just because Synchrony chose to arbitrarily close all of my accounts (all payments made on time - usually above the minimum) BUT the fact that this will have a negative impact on my credit. I understand that these are unusual times, but those of us who have faithfully kept our word to this company will have a negative impact on our credit. Unfortunately for this bank and the companies they represent, many will not apply for the credit in the future.

Received a letter from Synchrony that my Synchrony Credit Care, Guitar Center, Synchrony Home and Business Synchrony cards were cancelled. Haven’t missed a payment and always paid much more than minimum. Hardly used the card and don’t understand why it was cancelled. I’ve had the card for a four years. I Called and was told that because Experian score low even though that it is 711. I guess Synchrony didn't care that I was paying very large amounts to pay it off, and avoid paying interest. I think that I was of no value to them anymore. They hurt my score. Pio-Gio

I have had an Amazon reward credit card for several years which we use often. This card was issued By Synchrony Bank. We were never late on payments, always paid significantly more than the minimum and never used a very large percentage of the available credit. I went to place an order on Sunday August 23 and found that My Amazon/Synchrony bank account was CLOSED. The Bank's reason was "possible high risk of failure"?? They had no evidence of a high risk nor does a high risk exist. I am very disappointed with Amazon with even dealing with Synchrony Bank and am going to rethink even dealing with Amazon (200+ orders last year by our family). Walmart.com looks better every day and they got out of Synchrony and now are underwritten by Capital One.

I’ve been a Synchrony customer for well over 10 years. Never had a problem. Regular limit increases on most accounts. Today they closed all of my accounts without any warning. I called Paypal and it was obviously a foreign call center. All they would tell me is it was closed for “high risk”. I keep track of my credit reports religiously. I have a spreadsheet with every revolving account that includes my $balance, %utilization, interest rate, statement closing date, due date, and credit limit. Never been late. I usually pay more than once per cycle, sometimes several times. One account has no balance. Others range from 20-80% utilization. My credit report has ZERO derogatories. My FICO scores are all above 700. In one day they closed:

I was placing an order, using my PayPal credit Acct or MasterCard. I received an email from PayPal confirming order but the website where I was making my purchase said I had to use another method of payment. I called PayPal credit to find out what’s going on. That’s when I found out they my account was closed. And Not just Paypal credit but PayPal MasterCard was close too! I had a $3500 cl w/ PP credit and $10k cL w/ PP masters. One account had a 0 bal. The other had a $266 bal. So! I got the bright idea to check ALL 12 of my Synchrony accounts. Every single account was closed! The highest cl was $10k. Lowest was 1k. They took $59000 in available credit from me. I have a 100% payment on all credit bureaus. Never missed a payment. Paid ON TIME. Paid multiple times a month since opening all accounts. Never asked for extensions. Never told them I couldn’t pay my balances.

Synchrony Financial was the company behind multiple credit cards I carried and used. I found out yesterday via an email from Credit Karma that my Chevron account was closed without warning, they say it was due to being dormant after I called Chevron; an account I had for 33 years. They charged $25 in Nov 2019 which is within 14 months they cited so that fell on deaf ears. Guess what I get in the email today? A letter from Synchrony Bank that their decision was due to "no recent activity on this account" and "Number of months since last purchase on this account".

I have had Chevron/Visa card through this company for a couple of years. Never late on payments always overpaid. My limit was $1500. I paid them $1200 in June in August they lowered my limit to$330. I have 0 balance on all my other cards with other companies. I got the same lame excuse. Not enough real estate, high credit usage, etc. Unless they paid off my $458,000 home that's not true. My other cards have 0 balances. Before applying for credit anywhere make sure they don't use SYNCHRONY BANK. they did the same thing with my Sam's Club account.

I've dealt with Synchrony across many forms as they seem to be the financial institution used by many retailers. Their customer service representatives are no less than exhausting and difficult for no reason. A simple question becomes a lengthy and useless discussion with little comprehension on the part of the representative.

I started out 7 years ago with 5K purchase, paid off in 18 Mos. Made several similar purchases, always paid off early. They increased my credit limit to 20K then closed my accounts with no warning. High risk my backside!

I have three cards serviced under them. I have always paid on time and often paid balances in full. They just closed the two cards I paid off and I got a stupid letter with reasons like not enough real estate. Not owning a home is a reason to close your card--who ever heard of that. Also gave me some lame credit score which is far below what my score is. I have one card still open and I purposely have left a small balance so maybe they wouldn't close it also - which is what I have read from others. I have been working hard to try and improve my score as it isn't the best and these two closed accounts will ding my credit and I did nothing wrong to deserve this. They are a horrible company and I wish companies would stop using them to back their cards.

This is not bank you need to carry the card. Unacceptable and garbage. They charged me $794 when the promotion expired on $1817 balance, when I called they say, they can't remove that charge and threaten me to send it to collection department. I would not use or recommend to anyone of its filthy services.

Synchrony closed joint account even after we paid off early & no missed payments! When balance was $229 on my sole account, they lowered credit availability to $250 from $2,000 without warning even though I paid on time. I paid the sole account off early as well and closed it. Never do business with these sharks!! Wish I had read the reviews before using them. Very unfair and insulting.

With my assistance, my senior Mother applied for CARECREDIT to help pay a dental bill over time without interest.... It turned out to be Biggest hassle and waste of our time ever for credit. First I had to get an affidavit notarized by my bank because I didn't own a smart phone, only a flip phones. Then we followed all the procedures only to not have an answer the day of the Dental Surgery to pay our dental bill so I had to put on my regular credit card. Then when all the paperwork came by mail regarding the account along with the card, I could not find any information pertaining to how long my debt would be deferred based on $4,000. Would it be 6, 12,18, or 24 months and then I read that all other non promotional purchases would be charged interest at 26.99% Interest!

I was a Care Credit customer for three years, always kept my account up to date and always paid more than the minimum amount due by at least doubling it. I had my card paid off. went to pay my vet with it knowing I had the full amount of credit on it, the receptionist told me they could not find me on the Care Credit website. I called to find out what was happening and then the automated message told me my account had been closed.

Applied for a credit card for Sam's Club through Synchrony Financial Bank and online offer said $45.00 credit. I was approved and when card came went to Sam's...no $45.00 credit. Was told that was through Synchrony. Called... told 90 days in two separate calls. Now told not eligible. Suppose to have use the credit same day! Was waiting on credit card! Very misleading! Never go through this shady financial institution unless you don't mind underhanded dealings and being cheated.

I applied for the cards July 15 2020, was told I needed to call for further verification which I did 800-480-0186, the person I spoke to said I'll be receiving the card within 10 business days. Called to check on July 31st and was told the cards were mailed July 29 2020. I received the cards yesterday 8/3/2020 and proceeded to activate them and add them to my digital wallets (Google and Apple Pay). Adding the card to Google Pay was a breeze, took less than 30 seconds. The nightmare started when I went to add the card to apple pay which was yesterday around 7:20pm. The apple digital wallet stated the only option to validate the card was to call the bank, which is rare but I proceeded to call, was told a link needed to be sent to my phone via text, the link then proceeded to have me fill out my information, take a 5 second video of my face and upload the front and back side of my driver license.

Not happy. They lowered my limit so low after years of service with them and never having a late payment to any card I have, I now no longer have enough to even cover new brakes when I need them...maybe a few oil changes. So now this card that once had a limit of over $2000 is now useless. When I called to ask why, the customer service representative sounded like he was reading me a script and sounded very condescending. I will now be canceling my service with them.

Today I applied for a Care Credit card due to needing 14 extractions in preparation for dentures. I first entered my information via the 1-800 number and was declined. Thinking this had to be a mistake because of my very high Fico score, I reapplied via the website. Yes, also declined with a message that I would receive a written notice in 7-10 business days with the reasons. I phoned both Care Credit and Synchrony Bank but both representatives could offer no assistance. Unbelievable and very unhappy!!

I’ve had the Pep Boys credit card through Synchrony bank for a couple years. I made a large purchase which I paid off. Never had a missed it even late payment. I just received notification they closed my account posting several vague reasons such as “not enough real estate...” All of these reasons are the same as when I was approved for the card in the first place. I called customer service and was told there’s nothing they can do and the reason is in the letter I received. They couldn’t elaborate on the reasons at all. Would not recommend their services to anyone.

My Sam Ash credit card was cancelled with a PERFECT payment history. Crappy customer service and kept me on hold only to tell me nothing. They said they sent a letter of explanation.... No letter was received. Worst company ever.

This company uses predatory tactics in the middle of pandemic to impose 30% interest on people. Furthermore, they are breaking the law by charging service members 30% interest when the Service member relief Act caps interest at 9%. They use promotional interest rates to get people in the door and raise the interest to 30%. I was never warned. They hide it within the contract. Please beware. I called to get them to lower the interest rate and they laughed me off the phone.

I received a notification from my credit score monitor that Synchrony Bank closed my Discount Tire account and my score had decreased by 1 point. I called customer service and spoke with Jeff. He could not give me a reason for this and told me I should get a letter in the mail explaining it. I then escalated to manager Angela. She stated it was because I had a zero balance and no recent activity? I have a credit score in the 820's, and no debt. What a terrible explanation and even more terrible practice by Synchrony.