Synchrony Financial

Never have i've been so disappointed with a credit card. I want to pay off my entire balance. I have the money, but I don't want to use my money I want to put the balance on a credit card. According to them this is impossible. What should synchrony bank care About how they get the money as long as they get it. We have never been late on a payment not even five days or three days, we always made a minimum Overpayment of $50 over our minimum payment. This is without a doubt the worst credit card you could possibly get! We did it for the convenience because it was in the store. I will never use this card for anything other than shredding material for my garbage!

I am a merchant that works with Synchrony Financial in order to add options of financing purchases for my customers. From the start it has been a horrible company to work with. The only reason I still do it is to provide additional options for financing to our customers. They request items you send them, and say they never received them. They tell you they received documents, and then the same person in two days tells you that they never received anything. They are apocalyptically slow at processing anything, and not one single individual I have spoken with in the merchant services departments have had any desire to do anything except get you off the phone. Not sure if this is a serious lack of training with their organization, or a serious lack of desire to do their job with individuals but they do seem to employ a vast amount of incompetent people.

I opened a Lenscrafters account and the person at the store entered my email with a typo PLUS a completely wrong mailing address. I didn't get any bills and only remembered this account when checking my credit report. I called immediately and had them look up my account because I didn't even get a card in the mail! I corrected the information and made a large payment. I filed a credit dispute but they still closed my account because of missed payments; I was up to date when they closed my account! Now I can't use the app to make payments and it's even harder. Such a horrible predatory and incompetent company.

My Dentist recommended CareCredit to me which is a Medical credit card issued by Synchrony Bank. I found the customer service to be lousy and the process for getting their credit card outrageous. The Better Business Bureau should look into this company; because I feel there is something serious wrong with the way they approved individual's credit. I was given an address to file my complaint and I plan to do exactly that. They were requesting me to do a VIDEO of my face along with a copy of my driver's license. I refused to do a Video so I was given an alternate method to verify my identify by completing an Affidavit of Identity, which had to be Notarized by a Bank or Credit Union. I had the form Notarized by my bank of 30 years, and on my own attached a copy of my Driver's License. The Synchrony bank tried to speak to the notary but she never answered her phone and it was suggested I should call her. She is a bank notary and I don't know her, I can't make her answer her phone, plus the bank has a copy of my license and credit report. I ask them to send me the Denial Letter and I will file a complaint with the Better Business Bureau and Synchrony Bank. This has been the worst experience and no one should be treated the way I was treated.

Added activation fee, then before first statement was sent out, reported me overlimit to credit reporting agencies. Devastated my credit.

This bank sucks. My cards were paid off and in good standing but apparently their guidelines changed and my 670 credit score doesn't meet the criteria so they just closed my credit card without notification. Why would you allow me to open the card only to close it? My score is higher now then when I opened the card I could see if I wasn't making payments on time but I was always on time didn't even have a balance. This bank pick and choose their customers. I'll never recommend this company to anyone

I've had several Synchrony accounts. I am about to close my remaining. Cards with zero balance or perfect payment records will be closed just because Synchrony suddenly deems you at risk. I have a flawless credit history and never so much as a missed payment. But, now my score has dropped because for the second time in a year they have decided to close out my accounts in good standing by lowering my available credit. Good riddance.

They will close your account for with 0 notice. I am in the middle of a mortgage and paid off my Care Credit and Synchrony closed all three of my accounts. I attempted to pay out of my savings but my bank kicked back the payment and as soon as I realized the payment was never paid (this was within payment period) I called and fixed it. By this time (still within payment period) Synchrony closed all my accounts due to "dishonorable payments". I have been a customer of 10 years with no late payments and this is how they treat me. STAY AWAY FROM THIS BANK!

Synchrony Bank pre-approved me for a Sam's Club credit card ($6000). When I applied for the account at Sam's Club, I was able to use the account right away to pay the membership fee. The card arrived about a week later, and when I went to activate the card, I discovered Synchrony had closed the account - along with 7 other accounts. I've never made a late payment, I pay in full or use 0 percent financing, and I have a 760+ credit score, and an income over $100,000. Synchrony's reason for closing the account? I'm a high risk. Synchrony kept my Venmo account open with a $10,000 credit line, a strange move to make for their high risk customer. There's no logic behind their actions. I enjoyed using Synchrony's cards for the rewards, but I will never attempt to open an account with them again. It's not worth the aggravation and unpredictability.

My account was CLOSED due to an issue with autopay. Not suspended but CLOSED! I had a balance of less than $12 which was paid immediately after I received a notice.

I was told that the account couldn't be reopened after it had been closed and I would need to re-apply. Ridiculous! I was about to buy a car and now this account closure will negatively affect my credit score.

If you didn't pay you balance of $12 due to an issue which is beyond your control, be sure these guys will screw up your credit history.

Not to mention other issues with this bank that cost me hundreds of dollars.

Many similar reviews. STAY AWAY FROM THIS BANK! YOU'VE BEEN WARNED.

For anyone that is even considering this crappy company, don't do it. They closed my Care credit account with zero balance. Today they close my furniture store account, and I have never missed a payment. This company just plain suck. They close accounts whenever they feel like it, and give you a b******t excuse why they did it. If I could sue them I would.

I received an 18 month interest free loan. Never received any paperwork in the mail to let me know when my payment was due. Tried to get onto their website to log in but couldn't due that because I didn't have an account number so I have no way to pay. Then after my payment was late they sent me a text message. With a way to pay of course I tried to call costumer service and the wait time is over an hour long.
I would recommend not going with this bank if at all possible!

They really could care less! They must get enough money just long enough to screw you over. I have never seen such a confusing inhospitable site. They prey on those who cannot figure out what they want. Won't even give suggestions. DO NOT USE!

Synchrony card is card is ASSUREDLY of no use to ANYONE seeking to maintain or improve his/her credit score... Synchrony meets the definition of predatory and messy business you don't want to be involved at any given point in your dealings.

I was awarded $1500 spending limit to start with them and as soon as I used up to $266, the next day they reported it and THAT ALONE GOT My credit score dropped 22 F'k*** points for using the card... 22 points!

Would TREMENDOUSLY RECOMMEND NOT USING ANYTHING THEY ARE DIRECTLY OR INDIRECTLY TIED TO

Bloodsuckers THEY ARE AND THAT'S WHAT YOU DON'T WANT TO DEAL WITH THESE DAYS!
D. N.

They kept me on hold for an hour! And I have a promotion and yet they wanna charge me extra those $#*!ers!
They are a scam business! Don't do it!
SCAM! CONS! AND DONT DO LIVING SPACES! THEY SUCK TOO!

I was approved and I paid my balance on time every month. Even within the 0 % interest term. This company decided to first lower the credit limit, and just now, after I paid it in full within the 18 months 0% interest period. They decided to close my account! I was infurated, not because I want to keep using the card, but because they damaged my credit score even more. They have the audacity to say that the COMPUTER., not an actual person, reviews the accounts. My income was lower last year like so many other people, and I still manage to pay this company s bill. And this is how they treated me. Once again greed and capitalism at its best.

1. This company, apparently, even during the challenges of covid Do Not provide the typical grace period. Perhaps this is how they offer no interest rates to their vendors. They just charge interest even if you have paid over the minimum payment previously
2. Their web site is not user friendly, despite paying on line one month the next they can't locate your information to allow you to sign in.
3. the chat folks, sent to assist, just send you a hey consider this, all the things you would consider your self.