Synchrony Financial Reviews

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.

I will no longer be a Synchrony Bank customer. After being a loyal customer for years, they have closed all my accounts. I Always pay on time, keep my balances low, and have a credit score of 755. I have given them absolutely no reason to believe I'm a "high risk ", which is the reason they stated for the closure of my accounts. So after years of loyalty to them this is how it ends, by them ruining my credit score. I will be reporting them to the Better Business Bureau, the FTC and contacting my congressman. If you're looking for a reputable credit card company, synchrony bank is not one of them. I would avoid them at all costs!

They don't provide online CLOSING instructions but continuing business on their CD LINE. Not even to closing and transfer to an account within their business lines. Took me 30 minutes to place that instruction through phone, through 3 support posts (last in the country!) with their system not being able to send a text to the mobile I was calling from. Nor they were able to send text to a VOIP alternate number that is text capable. In the end they called and provided the security code to the same voice line I was calling. The overseas support has no training for retention and therefore don't work hard to satisfy the customer. I promised I'll write this review with the intent to direct others not to do this business with them. From personal practical experience, do it when rates are better with Ally, Marcus, Merrick, PurePoint.

Outrageous interest rates! This card balance will never get paid off as balance is overtaken by excessive interest charges. This is a type of card that should only be used for medical or veterinary or dental emergencies for large amounts and not allowed to accrue. Pay off quickly.

This bank constantly pushes for electronic transactions ONLY. They want to send only electronic statements, receive electronic payments, and use only electronic messaging whenever possible. It doesn't take a rocket scientist to see why. It's a numbers game - all and only about their bottom line. This month I did not receive my electronic statement (probably my fault) so what does this electronic emphasis only company do when my payment was late? You guessed it; they locked me out of my account so I could not review the statement unless I first paid over the phone. Let me see if I got this correct, electronic statement was not available, the wizards running the customer service refused to allow me access to the statement UNLESS I first paid a bill I have yet to see. I am not a happy camper!

They sent to this ** site for some verification. I had to repeat some steps many times (pictures of me, picture of an ID and and video of me). At the end the message said they couldn't make the verification and they would send a letter in the mail. Understand that my FICO Score is in the 800's. I call back to the bank and after being on hold for a long while they gave me the same message about a letter in the mail.

I used Synchrony to finance half the value of a furniture set I purchased. They offered a 0% interest rate as long as I paid it off within a year. Awesome! Once I paid down most of what I owed - they cut my 'credit limit' in half leaving only $30 of available credit. When I called they said they will mail a letter explaining. I never used the credit, nor did I ever authorize my card for future purchases. I always paid a lot more than the minimum. Lowering my credit limit by 50% makes it look like I have a MAXed out card ignoring the $700 I already paid!! You are no use to them once they realize you are paying down your debt early.

This bank and the customer service over the phone is very unsatisfying. I could be having a great day and get on the phone with these people and turned my whole day to crap. They don't know what they're talking about. They lie and that is the number one thing I wanna point out. They lie and I don't trust people who lie especially with my personal information. And it was just a simple lie but I caught it and it made me very uneasy to say the least.

Applied for a credit card for financing home improvements. I needed $15,000 for financing and was told I could get no interest payments if using this company. I applied with an 800 credit score with 120k yearly income and was approved for $5,000. What a piece of crap company. I wouldn't of applied knowing they wouldn't approve the entire finance, I'm not going to put part of the payments on this crap card with all the negative reviews on here. SHADY COMPANY. STAY FAR AWAY.

The area I live at was hit very bad with Covid 19, everybody's job was cut down considerably, most people lost their job because the virus is that bad, and this company Synchrony will Not help during covid 19, for they charge crazy high interest, will not help with any kind of payment relief, extending promotions, deferred interest, NOTHING, for this company is so heartless, they just don't care about people losing their job, or getting hours cut back, all they want to do is make a profit on their excessive interest, and give NO relief during Covid 19.

I had a card through Synthetic Bank for See Eyewear. I had been using it often and paying it without fail. Each purchase I make at see eyewear using the card is interest free for 6 months. I paid the balance off at the end of May and yesterday when I tried to purchase eyeglasses the card declined because they closed my account without warning. This is the 2nd time they have done this. THEY SUCK!!! Leave synthetic bank alone. They claimed my credit score dropped significantly. I immediately check my score using Credit Karma and it showed my score had increased by 70 points. Don't use their card!!!

Unfortunately this company is not fair in their practice. I paid off the exact amount that was shown on the payoff screen to another card to consolidate my debt. Synchrony did not honor the payoff amount they had on my account page. This company is saying I owe them late fees of $200 although the payoff amount on my account page was $1921 (I have a screenshot). It is disgusting that during a pandemic they continue to assess late fees even though I have emailed them about not working and they still insist on adding late fees. The amount of the actual purchase was over $7,000 and they have received all the money for their merchandise and more. Their response back to my email is that it will take 2 months or 20 days to respond meanwhile my credit score is being affected every billing cycle. DO THE RIGHT THING SYNCHRONY!!

I opened a Lowe's credit card in March 2020. I purchased kitchen cabinets ($10k) on March 12 and they were delayed until June 25 due to COVID-19. Synchrony delayed my payment the 1st month, the 2nd month they delayed my payment and the interest charge, the 3rd month (did not receive cabinets yet), Synchrony denied any payment delays and charged the interest. They stated that the previous two months were an error and are not responsible for what a rep says to customers. I escalated the complaint and went round & round to the same reps. I wrote a letter to their Florida PO box. They replied by email today with a link which opens to their reply... of course, the link does not function, "Check back later!" Next step is to report them to the credit bureau and then an attorney.

2 weeks after approving me for an Ebay MC, Synchrony bank canceled all cards, at the highest point in my credit rating. I've had Synchrony Cards for over 4 years, always paid on time, I have no late payments on my credit score, almost all balances paid in full. Do not trust them, they will betray your loyalty and good standing.

I have had Synchrony Bank for about 5 years. I have a $5000 credit (between both cards). I have never been late on a payment and never had a high balance. I was furloughed this summer from work due to Covid and because I didn’t receive unemployment, I utilized my Capitol One credit card more than I wanted to. My credit took a small ping and went down due to all these conditions. Because of this credit change, Synchrony bank took it upon themselves to close one of my accounts and lowered my credit to what I owe on my other account which is a furniture card.

This company did not offer any solutions due to covid-19. Not only did they close my account they increased what I owe. I will pay it off and never ever recommend them. They have people harass you from 8am to 8pm. For some crazy reason I get a ping everyday from credit reporting agency they are reporting I'm late. I'm paying what I can. I'm just now getting back into the work force.

Today I ran into two horrid experiences, first one I found out a huge fraud charge to my account that was never even used or registered to my shock. The second one was just as unpleasant when attempting to communicate with their representatives who are disrespectful and unwilling to fulfill one very small request once the report was filed. I was informed (once again) they resort to using lousy USPS snail mail in the distant future to send me the follow up details when all I asked for was for the purpose of my call today, they at least email me (or text) just a summary of what they did (or CLAIMED) to do... such as close the account and zero out the charge while they take their time to investigate the fraud claim.

Just found out that Synchrony closed my account. I've never missed a payment and now they are going to hurt my credit more than it is already. This is a horrible company and I hope they fail miserably.

In every way this company is the absolute worst. Avoid like the plague. They will arbitrarily reduce your credit limit and close your account without telling you even after you have diligently paid your balance off. NEVER ** AGAIN.

I have had a Care Credit account as well as a Car Credit account for many years. I have paid them off at times and have used them frequently and have never missed a payment. On June 26th this Synchrony Financial decided that my loyalty did not mean anything to them and cut off both cards. I would never recommend them to anyone ever again, and anytime I get a chance to dissuade someone from using this company I will.

I recently tried to apply for a Lowe's Home Improvement credit card which is through Synchrony Bank. After giving the cashier the application information, she reported back that the application was denied. After several hours of sitting on hold or being transferred I was able to talk to a bank representative about the application. She informed me that it was not denied that they just needed to verify some more information. I was sent to a verification website where they captured my picture and a picture of the front and back of my drivers license. (Not sure what they were verifying my identity with - what databases would have my picture and my drivers license photo).

I’ve never dealt with a company that was not concerned about my satisfaction as a customer. Or how to resolve a problem, or how to update information so it was sent to the right email address and phone number to prevent problems.

I have had the Amazon Prime Store Card offered by Synchrony Bank for the past few years. I have made a few late payments but always stayed caught up. If you miss your scheduled payment by 2 days, their account representatives in India call and harass you, even call you at your place of business forcing you to "promise" to pay and select a date. I'm not sure why they have this nervous habit but recently was the final straw when I was late by one day and they punitively lowered my credit limit by 500.00 as soon as I paid the card down to 100.00 balance left in one sitting.

Do not get a credit card with this junk bank! After being a loyal client for years, they did not take Pandemic 2020 into account. Contacted them notifying of hardships and did not get help with any relief programs, instead they closed my account!!! AWFUL! STAY AWAY!!