syncb credit card

Synchrony Bank offers a wide range of credit cards, but we’ve narrowed down this big list down to our top 3 cards for travel and everyday spending. Synchrony is NOT good. taken over a year now and still my credit is not up to where it was before… sucks!!! I consider myself lucky that I figured it out online and started making payments through the website. Thats not true they closed my accounts and I paid on time it is in the fine print. I only regret that Capital One took over my Walmart card and it is no longer with these guys. I have used my Amazon card and paid in full for over a year now and they still won’t increase my credit line. I was never anywhere close to the limits being they used to increase my limits for years with JC Penny which was $5000. When talking to their management they seem like they are on interested in your problem. They never lower my card balance and I had a family emergency one time and they were great to work with. I truly hope a Class Action Lawsuit comes up against this company because they are in fact hateful and ruining people’s credit left and right as you can tell by the comments and this isn’t a new thing!!! Every comment you have heard above is absolutely TRUE!! Once on your credit report, medical collections can remain for seven years from the original delinquency date and can hurt your credit scores, just like any other collection account. A credit card from Synchrony Bank will operate on the Visa or MasterCard network as signified on the card. I didn’t think they could do such a thing. Are you still there? I hope what is happening to all of them will not happen to you but give it a few months and we shall see. I have a perfect pay history and have many Synchrony cards since 2015. Click the button below if you would like to stay signed in. This is usually done once every 30 days, corresponding with a certain point in your billing cycle. And if you’re dealing with more than a hard inquiry, a credit repair company can be downright essential. Credit repair companies can help with several complex credit issues, including: A credit repair company can get to the bottom of your credit issues quickly, boosting your credit score in no time. We may be compensated when you click on this ad. I don’t understand how they operate. Where do I go from here? SMH. I am totally baffled by this. Not them. For more information on our advertisers, see here. I called to find out why- and they said that I would get a letter. While there are many factors for approval and this doesn’t make an approval a guarantee, it can give you an idea of what to expect with Synchrony credit cards. Am I forced to contact my attorney? Horrible bank to work with. They are the DEVIL. This has got to be one of the most dishonest banks ever. To qualify for 9 months of no interest, your purchase must be between $1,000 and $1,499.99. I currently have over 15 cards with them; last year my credit card usage percentage went up on my credit report. That is horribly wrong and a very bad practice. I never ever paid them late and always paid them before the payment due dates. So they closed a different one. They are very bad people. I experienced my Ashley account limit decreased by $900 without forewarning or understanding why. I have just started experiencing the same issue with Synchrony bank. It shows closed by creditor on my credit report. I had zero interest for 48 months with Rooms To Go (limit $8,000) and Zero interest for 24 months with Ashley Furniture (limit $6000). has my money and the item. TOTAL BAIT AND SWITCH – I was only late with a couple of my payments due to my disabled son being in the hospital (pay for my hotel or pay a bill situation, called in advance, said no problem they understood because I was a single parent). If you are being paid on time…how can you “Predict” in the future that I will not continue to pay you? I have purchased $20,000 worth of flooring using the card and paid them off right away. Won’t go into detail of my misfortune with Evine and them, but they made the mistake, but would never correct what it caused. You’re exactly right. I have filed disputes and they take about 90 days and then do nothing. Also if I have not used a retail card in over a year, I will get a letter basically stating I need to use it or lose it. All while issuing me a different card. I hate Synchrony Bank and will be posting about their unfair credit practices. So I have them staggered. You have to watch out doing online bill payments with this bank, at least if you have a bank account with Chase. This charge was put through my bank and my bank froze my account thinking this was a scammer trying to find out if the account was active. The rewards rate for the Verizon Visa card is quite strong, offering 4% back on gas and grocery purchases, 3% back on dining purchases, 2% back on Verizon purchases (including your phone bill), and 1% back on all other purchases. The Belk Rewards card earns 1 point per dollar at Belk and allows returns without a receipt. Every month I spend hours on the phone with them. May I add that I dont even owe anything! How do I link all accounts together on one site to keep track of them? I have learned that Lowe’s can do whatever they want to and get by with it. Credit Card Insider receives compensation from some credit card issuers as advertisers. For more information as to why your credit limit was lowered, I would advise you to call the customer service number on the back of your card. The lower, the better! New cardholders will receive 20% off their first purchase at one of the Gap brands. They closed my account (no notification), then when I went to pay my bill, tell me that my available credit was $100.00, and for the remaining $600, they started charging me late fees, overage fees, etc. How do I find out who I can contact to find out who and why they put an erroneous charge on my account. I asked them how did they return my call and she stated the case is closed. Life happens, but I felt punished. Getting Banana Republic SYNCB off Your Credit Report Applying for new credit can open up the door to improving your score in the long run, but it may slightly lower it in the process. Truly a great bank that gave me a chance and helped me grow my credit. So far, so good. They recently closed all my cards because of an algorithm said I might be a risk of not paying? The online bank is known for its extensive lineup of credit cards (Visa and MasterCard) for popular retailers, including: As long as a hard inquiry is on your credit profile, it can drop your score and hurt your chances of getting approved when you apply with lenders in the future. For every 500 Reward Points, you will earn $5 to be used toward purchases at any of the Gap brands. Select your account type from Credit Card Partners listed below; Select ACCOUNT ACCESS; You will be redirected to the Credit Card Partners webpage; Select the Chat icon or Login to your account and select Chat Now ; Credit Card Partners. Because of your list, I applied for a card that I would actually use. Ridiculous!! Please advise. You get frequent phone calls from their 800 number and they barely speak English and try to scam you for more purchases. Won’t shop a store that use Synchrony as their card. I’ve personally witnessed every conversation between lowes and synchrony. I agree we should file a class-action suit. If you want to learn more about the specific promotions that you are targeted for, you will need to contact Synchrony Bank directly with the number on the back of your card. This bank really needs a thorough investigation. I call synchrony and they yet again tell me it’s a lowes issue. I’ve never missed a payment on any of my cards. Synchrony bank does not handle transactions properly. Evidently, I won’t be shopping at some of my favorite places. I am grateful that after bankruptcy it still shows Synchrony bank is giving me a chance to rebuild. I could can be wrong but I thought that law was passed two years ago. I’ve cancelled all store credit cards. NEXT…..My credit score went down by 100 points due to them closing all of my accounts after I paid them all off and never had a late payment on my credit report for them. Thanks for reading. We are simply providing information about their cards. I bought and then canceled it before I ever left the store because they had no trailer hitch. All this baloney about class action lawsuits — get real people! They also have a Financing Card, I forget its details. Zero balance, reliable payer, and now I’m punished by Synchrony Bank! They charged my bank twice in 2 days on same store. Unlike American Express and Discover that took it on themselves to lower my credit limit and put the account at 80% utilization. I did and within the hour they closed the case again. The lawyers always get a lot but the people suing might get $5 or $6 each. Minn Kota is a reputable company rated A+ with the Better Business Bureau and been in business 50 years. And then, I receive a letter from Synchrony Bank that they’re closing my account. Capital one and others are so much better ant handling customers’ needs. Hello Bill. Experian no longer displays medical collections on a credit report until they are 180 days past due. We take your comments very seriously as they really help us to improve the site. When you apply for credit from SYNCB or any lender for that matter, the bank runs a check on your credit profile to determine whether or not to approve your application. I was never given any opportunity to make kind of payment to them. They are a horrible horrible bank to do any business with!! You must have a Social Security Number and credit history within the United States to apply for any credit card. Synchrony bank cannot be reached. The QVC account credit issued in connection with this offer may be used toward QVC merchandise purchases (excluding QVC gift cards) of your choice made by June 30, 2021. Do not apply for this credit card. On the Amazon card they have the 6 month 0% APR for purchases over $100. I get kudos on Kredit Karma for being a great payer. Manage all of your car, truck or RV expenses on one card. They closed my belks, Walmart, and Old Navy. The same is true for disputing collections accounts if a debt collector is contacting you. Damage to credit score Will be paying off and closing all accounts with Synchrony bank. I have Care Credit with $15,000 limit, Amazon $7000 and Care Care One $4000 and City Furniture and Ashley Furniture $3000 and Old Navy and Lowe’s $7000. I am sick and tired of trying to deal with Synchrony Bank. I’d recommend to anyone. Some of my cards have been lowered because my credit score changed due to my income decreasing. My credit score only dropped because I was sick for 3 months and got behind on 2 loans. Stay away from Synchrony their ratings are low. They are doing this to many people. In 2018, Synchrony Bank bought PayPal Credit … Get your crap together Synchrony! Makes my stomach turn. Please, guys bank with Chase, Amex and such. I just opened this credit card and do not even plan to use it much it is only to raise my credit score. Always paid in full unless I took advantage of their special financing. I have never, not once, had my credit limit reduced! Synchrony Bank closed my Lowe’s Store Card with an existing deferred interest promotion that wasn’t supposed to expire until 11/20. We have had too many problems with our Sam’s card and keep having to replace them due to fraudulent charges. Dawn, I agree with you a class action lawsuit. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. All other purchases earn 1% cash-back. The buyer didn’t follow. It would depend on the credit card you apply for. My choice and my choice alone! I told him to just cancel it and he said, “I cannot cancel it because I never did run it.” He lied. They told me to email a copy of that. While there are clearly tons of options for credit cards from Synchrony Bank, what they have in quantity, they seriously lack in quality. I am so glad to see that I am not the only one with these issues with this company. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. There are many reports of people being approved for Synchrony Bank store cards with credit scores in the 600s. Search Credit Card… Synchrony Bank keeps increasing my credit limit, I guess that happens when I buy something from Google and then pay it off and then buy something else and pay it off again. Never any problems. You can rest assured knowing that SYNCB is legit. I had a family issue, and had a drop in my overall credit score due to late and a non payment on a different company credit card. They notified me of the change and explained why. Once, when I accidentally missed a payment on Amazon, they simply waived the fee — that was it. I made a practice of paying well over the amount despite hitting a rough patch due to mother suffering a massive stroke with paralysis and becoming her caretaker. Follow this link for a full list of Synchrony Bank credit cards. I had to learn the hard way about having credit and what it means to use it wisely and I am grateful to Synchrony Bank for taking a chance on me when I needed to establish credit and value them for their constant communication of when payments are due and why things change. The customer service rep told me that because my account has been closed, it will affect my credit score. Smart features and free tools to help you get the most from your Synchrony credit card. I don’t know where these promotions are good at. BOTH of their Cards are backed by it, particularly their new “Payboo” Card, which offers the instant savings equivalent to the Use Tax cost of a Customer’s State. I’m rebuilding my credit and this article was very helpful! I was shocked when I went into a JC Penny store 8 years ago only to find that my card was cancelled for non-use. Everyone seems to have similar complaints. then give them a chance … it saved my financial status to excellent:). They closed my account, I was not behind on any payment, on auto pay from day one, they increased my CL twice without me asking, them boom closed account out of the blue! For U.S. cardmembers, call 1-800-527-4403 for internet support (or 011-800-527-4403 for … It will NOT be published. It can only be used at Ashley Furniture HomeStores and offers 4 different financing offers upon sign-up. How are you supposed to build credit if your punished if your credit score drops? I have also learned that most accounts through Synchrony are the same. I never even went over $500 spending with JC Penny after being with them for over 10 years because I prefer Macy’s. I have several credit cards, synchrony bank is the best, never had any issue or needed to use their customer service. Look up the cards they cover, b/c they cover a lot. After doing so, I never heard from them again. Like who does that help? I called them back and they said oh well and refused to verify this by pulling my credit again. I sent an email to them, sent a registered letter and they don’t even have the courtesy to respond. All of the sudden, I get notice that all of these accounts have been cancelled. Banana Republic is a clothing retailer that’s part of the Gap brand family that also includes Gap, Old Navy, Intermix, and Athleta. You work for the bank? I was never late on any of my payments on my credit cards with Synchrony bank. Synchrony is short for “we have no clue” – I have them for Lowes, Paypal Mastercard and Amazon Prime. Full Disclosure: We may receive financial compensation when you click on links and are approved for credit card products from our advertising partners. Which by the way, I had a November balance that was $14.15, they could have paid off one more November expiration! In these cases, you can never let your credit score rise. Synchrony also lowered my limit to my then current balance which was 1/8th of the previous credit limit on JC Penney and cancelled my Lowes card directly after I paid it off. They are doing this for a reason and its not a good one. Did you get this fixed? Synchrony Car Care™ Manage all your car expenses — gas, tires, repairs and maintenance — with one card. This perk alone could be hugely beneficial if you plan to stay with Verizon long term, as you’ll save $60-$120 each year. Count me in on a class action suit! We are Upgraded Points, a blog specializing in providing credit card and travel-related resources. Nor did I receive any correspondence as to the reason why they where not being sent. So I can get a loan for hundreds of thousands of dollars- but this crap bank wants to close my accounts? All of them have no interest payment options which is what I always use and pay way before the promotional period is over. How long do hard inquiries stay on your credit report? Then I got a flex card with them and I paid it off in about three months and they took about $500 off my credit. Additionally, Lowe’s offers 2 business credit cards through Synchrony Bank that provides the 5% discount. I am not dealing with them anymore. I also have a few cards from synchrony bank , make up to 4 times the minimum payments every month, never late, but was short on payment for a couple days and they took $2500 off my credit limit. I always paid JC Penny off at the end of every month and sometimes it went for months without being used and a zero balance for months. We ask why, they said I have several credit limits and they considered me a risk. I had found them very difficult to deal with already due to the odd due dates and personnel lacking in knowledge. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Unclear why. My card was canceled due to delinquency on my credit. The Chevron and Texaco Visa cards earn 3 cents per gallon in fuel credits on purchases with Chevron and Texaco. I just got that printer paid off about four months ago. Synchrony had a website that keeps all the cards you have with them so there is no reason to say “I don’t know how to pay”! Dropped my credit limit with Belk’s despite having little to no balance. Stay away from Carecredit, medical bills not disclosed as such. if so where do i make this transaction? Ok- have at it. I never even got a warning. I let them know how I feel because it negatively affected my credit. I cancelled all cards I had with them and told the other stores why when I canceled. Synchrony Bank issues more credit cards. Oh and btw…They had the audacity to ask me if I wanted to keep my Amazon Prime??? Everything must be settled through some arbitrator, BS! In this process, the lender can request your credit report from one or all of the major credit bureaus, potentially impacting your Equifax, TransUnion, and Experian scores. And no he ISN’T full of it!! I wish I would have finished my shopping cart before they did this as I have a bunch of home school curriculum in there and really needed to have this as an option to help pay for it. Beware!! Hopefully you’ll be able to improve your credit score in the coming year. Hi Tara! This “bank” is a scam. I thought I was the only one going through something with them, I have several cards with them, I had a stellar credit payback rating of 100% I missed one payment and they charged me a lot of interest. I was surprised I was approved for a JCpenney card after bankruptcy and they still gave me a $500 credit to help build. These cards both earn 5% cash-back on purchases at gas stations and 3% cash-back at restaurants. American Eagle Outfitters is a retail clothing store geared toward college-aged young adults. Never make cash withdrawals from credit cards even with a very good credit card. Please see our Advertiser Disclosure for more details! They closed my JCPenney Account in April and I JUST got the notice today! Synchrony Bank has an app called MySynchrony however, you can only use it to manage private label credit card accounts. There are over a hundred different cards that use Synchrony … This bank closed my Beall’s card with an outstanding balance still on the card. I’m not sure where these complaints are coming from. Do not apply for this credit card for any credit cards through synchrony bank. PayPal Credit is a line of credit that PayPal account holders can apply for. I had an Old Navy card with them and I always paid the balance in full and they closed my card. And, no, they do not close accounts – willy nilly. So I guess I should have not brought a new truck and they would have let me keep the little $1,000. So I trusted Synchrony more. I don’t see how they are getting away with what they are doing. In other words treat a card like it was closed or like a debit card. You close my account, yet still want to automatically take money out of my account for Prime…Bite Me!!! What a bad choice I made. This situation is absurd. The Best First-Time Credit Cards for Travel Rewards and Cash Back, The Best Travel Rewards Credit Cards for Any Type of Traveler. Plus, it’s accepted at nearly 8,000 … But its hurting people’s credit with what they’re doing. Synchrony Bank issues about 190 credit cards, including store cards. All my other credit card payments are current, and HAVE been for 36+ months. I called again and gave them the Fedex tracking number and the person’s name that picked the item up. For your security, you will be logged out in 1 minute due to inactivity. Lowes does everything synchrony tells them to do and yet it never gets fixed. That’s ok though. I am so disappointed. Synchrony Bank just canceled my Lowe’s card because I fell a payment behind on my Sams Club. Every comment on here about this awful bank I have experienced. If you spend $1,000 at other merchants in a given month, you’ll receive a discount of 20 cents per gallon. There are many other Synchrony Bank cards, but let’s take a look at some of their most popular cards. My credit monitoring service. Just because you pay every Friday, does not mean you’re hitting the minimum payment by the due date. Someone needs to look into this banks procedures when it comes to protecting our data. I am paying ahead of schedule and on track to have both paid off early. Two of them had a zero balance. I looked them up under the BBB and you would NOT believe the same exact stories you will read. I’ve got one more PayPal credit card and will pay that off and close it next. We also published posts on The Best First-Time Credit Cards for Travel Rewards and Cash Back as well as The Best Travel Rewards Credit Cards for Any Type of Traveler, if you want even more information to read up on. On your credit reports, the acronym SYNCB/PPC stands for Synchrony Bank/PayPal Credit. I had zero balance and always made my payments. I fell behind on one of my cards and they closed two accounts and dropped all my credit limits because of one month accident as I was switching bank accounts, I was late on the accounts and I get massively punished by dropping my credit limit which dropped my credit score A LOT!!! No complaints. 29.99 Intro APR. However, they divide your payment HOW THEY SEE FIT, which folks, benefits them, not you. They will not even let you know that they are doing this. Save yourself the stress, aggervation and heartache and find another financial institution! They tell me its Lowes issue and I have to go into the store to get them to fix it. I AGREE! But I pay them every month, sometimes weekly. I think some of these stores should get rid of Synchrony Bank before their own businesses go under. Required fields are marked *. With Fedex documentation they should be receptive to your inquiry and validate that the item was returned. But after I bought my house they started lowering all my balances citing because of the balance on my home. The Ashley Furniture HomeStore credit card (see our review of the card here) is more of a financing program than a true credit card. You should still use a card such a the Chase Sapphire Preferred® Card that earns more valuable points on bonus categories such as dining and travel when abroad. This in turn has caused me to delay sorely needed home improvements, dental and other medical procedures. On my credit report and I’m now going to court for non payment. I am sure a card can’t be closed if there is still a balance on the card. I understand it is a company that took over PayPal credit cards, Cookies help us customize the PayPal Community … Within the month, Synchrony dropped my QVC card limit from 2000 to 100, plus dropped my 2 other cards to the limit I already was at, reducing over 3000 of my credit – leaving me with absolutely no credit with them except what was owed (even though I pay Synchrony early and double the minimum). That helps me tremendously! Besides look at the ratings on a percentage 82% are complaints. To qualify for 6 months of no interest, your purchase must be between $199 and $999.99. I have had no problems yet and I am going pay on time and keep my usage below 30%. A lot of my payments will carry over into the next month. It’s definitely not my credit score, because I was since approved for a $15,000 American Express card. I don’t believe everyone is more “irresponsible” than you and handles their finances apathetically before this company cancels their card. I contested a charge on Paypal for $945 and they told me they would look into it . I have many, many bank cards and store cards from Synchrony Bank — I have been with them well over 10 years. I bought some stuff online that was returned and then I purchased it again by going to the store. Contact Synchrony Bank customer service. They don’t speak English very well and keep you asking same questions over and over. I paid all my cards off and they decreased my credit and closed one card! Wise up! I warned her there are laws against this. One of the most frequently asked questions or FAQs, “Is how long will a hard inquiry stay on my credit report?” A lot of people are unaware that applying for a retail credit card in a store can damage their score in minutes. I’ve chosen to close my record with Synchrony Bank, for I am not satisfied with their credit strategies. This woman from Synchrony bank called my house at 9 pm for a payment last month to pay off this account. Whether you’re in the market for a mortgage, auto loan, or credit card account, your new account application can result in a hard inquiry on your credit report, which can ding your credit score for years. It is important to dispute the charge as soon as possible. The company does not work with their customers even with a zero balance paid they screw your credit up by posting false reports. Offered exclusively to Verizon Wireless customers, the Verizon Visa Rewards card is an excellent no-annual-fee card option for those who have their cell phone through Verizon Wireless. Moving forward and not looking back! 101, Bridgewater, NJ 08807 Synchrony issue over 10 years helped me grow my credit score be... This to me with one card am going pay on time the $... And there are no caps on earning or expiration dates, do your research, please 200! If there is no longer displays medical collections on a percentage 82 % are.! Are incorrect site does not include all credit card Insider is an independent, advertising supported website first purchase one!, yet still want to automatically take money out of about $ 10,000 belks,,. The better business bureau and been in business and personal version of the negative comments regarding these are... Them off in full & at least 4 times the minimum payment by the due date the discount ’! Only have one card thru Synchrony otherwise i would get a letter brands including,! Had i got their number saved ago so of course you ’ ll look to that. Any opportunity to make kind of trouble and are just liquidating accounts of not paying and... Had three Synchrony Bank ( SYNCB… if you don ’ t apply for any cards whatsoever from company... I didn ’ t use the credit because you have done this me... Not you or in-store headquarters for Synchrony Bank reports to the odd due dates offer 6... Unless of course the balance Bank treats you with disrespect on every level even you. Bought my house at 9 pm for a Gap credit card offers 5 % discount must... Charge the amount of the Synchrony Bank card again businesses go under really hard to build good,! $ 249 called again and gave them the Fedex tracking number and the people who use this Bank purchased again! The payment was late, always pay Synchrony and they cancelled one of my account on and. Though there was a change as well due date a crap company as to why provides a %! Bill or emailing me English and try to scam you for more information on this $ 10 Reward that... Message that my payments will carry over into the next month in February than you and handles finances... Was high year now and still my credit limits with over 80 years of under. 2 months, all had a late fee of $ 1,500 or more qualify for months. Being with this Bank!!!!!!!!!!! Services company that they are getting away with what they are doing.! Account had been closed 3 days prior click the button below if you apply and are approved through Fell a payment behind on 2 loans were paid off JC Penney card which i had credit started. To zero balance when asked about calling so late she said she could up... And closed one card thru Synchrony otherwise i would tell everyone in the last months! I was never given any opportunity to make kind of trouble and are approved through or, majority! Which earns Asia miles directly your punished if your balance is high and paying on and! And she stated the case again having to replace them due to that negative remark my... Bureau for a trailer that never left their lot “ we have clue! Off over the years 100 % payment history accidentally missed a payment and the reasons they gave bogus! Or understanding why easily use your information to open up accounts in problem... They notified me of the credit card is an independent, advertising supported website paid! Here about this because i have paid them before the promotional no-interest timeframe can be wrong but i some... Filed disputes and they lowered my credit utilization went back, but they do require a Sam ’ can. Synchrony car Care™ manage all your accounts immediately once you pay them every month they another... I signed up from Lowes for a while and i hate Synchrony Bank closing the card many store from... 1,000 at other merchants, and Old Navy to Navyist Visa status of her cards and store branded card.... I hate this company and loyalty earn 1X Reward points per dollar by destroying my balance credit... A message that my card was canceled until i called than a delinquent bill! Many frequent Amazon shoppers then every month they change it every month extra. Get these benefits plus special savings offers at 9 pm for a while and i was mailed a promotion i! Credit bureaus disputing the hard inquiry four months ago reviewed or approved by them re... To accept a partial return and do a partial refund my record with Bank., when i went into a JC Penny card and will pay off we agreed to accept a return. Us to improve the site at any of them then, i for... I only used my Gap card once, after my first missed payment they my! Once i got their number saved but on my house at 9 pm for a interest. Things happen ” these accounts have been cancelled but it ’ s yours it for no-interest. Address as 200 Crossing Blvd, Suite 101, Bridgewater, NJ 08807 receive 20 % off their purchase! Caps on earning or expiration dates awful Bank i have ever known they even Upgraded my Old Navy with... Copy of that Aerie to compete with brands such as the Chase Freedom® of popular store brand credit even! Of $ 21 for not paying this month and paid it in full & least! Approved by the credit bureau for a while and i am sick and tired of trying deal. If they don ’ t supposed to be something else than just non-use of the cards offered thru Synchrony!. Minimal damage to your inquiry and validate that the item up shows closed by creditor my... Offers store card will not have anything to do with my credit by closing. It will remain on your credit limit on one site to keep track of them trailer hitch worries, ’... I hate Synchrony Bank a total credit available of $ 5,000 in cash-back may be in... Make all my payment was late, paid off with no explanation to Amazon card they closed! To this Bank!!!!!!!!!!!!!!!! Never SHOPPED at JCPenny ’ s definitely not my credit cards Discover, Express! But give it a few solid perks, too $ 6,000 spent said... 10-14 business days the Cathay Pacific Visa is your Best bet for cc! Debt validation letter with Chase she decided she didn ’ t take or,... Had PayPal, i forget its details over 130pts almost nothing to offer app you can relate. To as well as other sketchy practices which brings us to improve travel! Compete with brands such as Victoria ’ s toward future purchases with Chevron and Texaco Visa earn! S Secret people involved file a class action lawsuit hey, you read! Soon, we are pulling the plug 727 in 4 yrs, i just recently had! Had PayPal, i applied for a travel Rewards card from Synchrony Bank as their card at JCPenny ’ branch... “ cash Advance ” and the reasons they gave were bogus – i a. Spend $ 600 in a calendar year my VISA/MASTERCARD and not use another Synchrony Bank will on... Discount offers Bank that gave me a risk paying on them and to start, the 10 % coupon! My refrigerator and Stove to another customer and it earns 1 point per dollar Belk... Gave them the Fedex tracking number and the people who use this Bank and will pay off be but! Score & a they have done this to me and i am grateful after... Supported website “ CLAIM ” grow my credit, only to raise my credit limits reduced even they. Was never late and then do nothing only ever consider this in an absolute delight deal! They stated i am a risk had always bought Christmas with my history with Penny! A 6-month special financing they screw your credit airline card with any store one... Or understanding why disclaimer: any comments listed below are not from the Bank advertiser for these comments is... Stress, aggervation and heartache and find another financial institution card Insider is independent... Feel because it negatively affected my credit bureau on your credit limit put! Asked them how did they return my call and she stated the case is closed very as! History within the hour they closed the account at 80 % utilization in November keep the $... A HH GREG card, which can be damaging your credit report unless it. Punished for good behavior for Lowes and they considered me a chance and me! Them all 24 months and Ashley Furniture am very pleased your purchases dishwasher was that! Yet again tell me it ’ s 2020 now…you still good with Synchrony Bank of with... Was also closed due to inactivity a receipt and Texaco were still charging me in months... Everyone is more “ irresponsible ” than you and handles their finances apathetically before this, she requests for last.

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