I asked them how did they return my call and she stated the case is closed. They have partnerships In this post we will look at a full list of the credit cards and store cards … Payments were made on time, extra money paid on it! Chase will then post the largest drafts first causing anything less that was originally covered by your balance to also overdraft. I totally agree with you. Stay away at all costs! I agree as well. Save yourself the stress, aggervation and heartache and find another financial institution! How do I link all accounts together on one site to keep track of them? Each Verizon dollar is equivalent to $1 in value, and there are no caps on earning or expiration dates. SMH. I didn’t apply for a cc from them, but went through a company that they do financing for. I paid my account on time, never late and then they decrease my limit and close my account for no reason. The Banana Republic Visa earns 5X Reward Points per dollar on all purchases with any of the Gap brands. What’s the point of trying to build good credit, only to get punished for good behavior! Go with a reputable credit card company because synchrony is not! Identity theft is rampant, especially with so much of our personal information like social security numbers, cell phone numbers, even bank account information readily available. To qualify for 9 months of no interest, your purchase must be between $1,000 and $1,499.99. Just today they up and closed my Lane Bryant card. Guess the reason this bank closed my accounts is that I have never let this bank charge me any interest fees so they can’t make money off of me. The LL store actually pushed the card on me when they were having specials. 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. While the Mastercard versions can be used at any merchant that accepts Mastercard, the Sam’s Club Credit Card can only be used at Sam’s Club and Walmart. They ruined my credit by stopping my cards! I never even went over $500 spending with JC Penny after being with them for over 10 years because I prefer Macy’s. I did and within the hour they closed the case again. They have a proven track record of success, with countless reviews from satisfied customers with soaring credit scores: Your email address will not be published. I live in the Dominican Republic. All in all, the Verizon card is a fantastic option for Verizon customers, that offers great discounts and great bonus categories, all for a no annual fee card! I sent an email to them, sent a registered letter and they don’t even have the courtesy to respond. 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. While Synchrony Bank does not have a “Shopping Cart Trick” like Comenity Bank credit cards to make approvals much easier, they are still considered a bank that is more likely to approve applicants. Don’t try to dispute a transaction…they will NOT be on your side or assist you in any way. Then the remaining $14.63 was divided among 18 other a balances, some at little at 29 cents! It took 9 years to pay off a printer that was damaged. Cardholders will also receive free standard shipping, a 20% off birthday coupon, a personal shopping day coupon, special cardholder events, and more. They didn’t want to close the card that had a balance in fear that you would stop paying it all together. This matter has caused me great harm to my credit score. Once my credit utilization went back to around 30% usage then I got my limits back. I just made a $200 payment to Amazon card. Sometimes people run into trouble but try hard to catch up, but once you get into their evil eye, they watch like a hawk, then you pay it down and they lower your available credit or cancel or close the card. You can call Synchrony Bank at (866) 893-7864 toll free number, fill out a contact form on their website www.synchronybank.com, or write a letter to … They don’t help you when you are financially strapped for a temporary time. I just bought it like less than 6 months ago so of course the balance owed on my house was high. Everything those people have said is true. This bank closed my Beall’s card with an outstanding balance still on the card. We ask why, they said I have several credit limits and they considered me a risk. We are Upgraded Points, a blog specializing in providing credit card and travel-related resources. I hate this company and wish they would quit buying up all the accounts and messing over people who are trying their best in bad situations! I Hope that someone gets it fixed for you. I will be around them for a much longer time to come. Oh, and I got Kay Jeweler $5100. While there are clearly tons of options for credit cards from Synchrony Bank, what they have in quantity, they seriously lack in quality. I have had my Amazon store card longer, and they keep lowering my limit, even though I pay more than the minimum each month and on time. I would sue them but with a class action, we would end up with nothing anyway. I’ve paid off every Synchrony card only to have them decrease my credit line at JCPenney, cut off my $300 limit at Old Navy, and cut off Care Credit, which some had ZERO BALANCE… I’ll go elsewhere. They sold my account without giving me any chance to rectify the adverse situation that was totally caused by their negligence. They took them away. 6 in November, 6 in December, 6 in January and 6 in February. In 10 days they turned it down saying they did not see where the item was returned. The Synchrony® Mastercard® is one of many credit cards we … They are doing this to many people. They closed my JC Penny store card. I opened a Discount Tire CarCareONE account with them when I bought tire at Discount Tire. I had a $2800 credit limit on one of my cards. 10+ easiest credit cards to get approved for. Nearly had that happen to me with one of the Synchrony bank cards! Search Credit Card… Stay away from any company using Synchrony bank as their credit extender.!! A CareCredit card is an actual credit card. The card earns Verizon Dollars, which can be redeemed for any Verizon products or services. Therefore, unless you’re not already in bed and are looking at your text and email low balance alerts, you have no idea you’re getting ready to overdraft. Well aren’t you lucky!! Get your crap together Synchrony! Don’t waste your time! This site does not include all credit card companies or all available credit card offers that are on the market. The card can be used to pay for medical expenses at the 200,000+ U.S. medical facilities that are part of Synchrony Bank’s CareCredit Network. Not sure if you have done these but check PayPal’s website for further information. I have never missed a payment, always paid on time, and even paid off balances early on the following cards: Amazon credit limit $ 650.00 dropped my limit to $100.00 TJMaxx credit limit $1450.00 dropped my limit to $450.00 Belks credit limit $1,500 dropped my limit to $400.00 Old Navy credit limit $ 1250 dropped my limit to $ 450.00 Walmart credit limit $1,500 dropped my limit to $1,100.00 Ashley Furniture credit limit $1,500 closed my account I paid off my cards and will never use them again, with the exception of Walmart because Capital One services this account now. That is horribly wrong and a very bad practice. However, they divide your payment HOW THEY SEE FIT, which folks, benefits them, not you. Count me in on a class action suit! We have even had charges on cards that have not been activated. No responsibility will be taken by the bank advertiser for these comments. I don’t understand how they operate. 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. For example, if your credit limit is $500, make sure your closing balance (after making a payment) is less than $300. The only problems I have with my credit are all Synchrony. I only have one card thru Synchrony otherwise I would just cancel all my cards. This was a result of a clerical error at my university and not personal irresponsibility. I could can be wrong but I thought that law was passed two years ago. They are full of crap. I didn’t think they could do such a thing. And if you’re dealing with more than a hard inquiry, a credit repair company can be downright essential. But before this, she requests for the entire amount to be refunded through PayPal. I am totally baffled by this. This card doesn’t have foreign transaction fees, so the 1.5X miles per dollar could be useful when traveling abroad. Alternatively, many retailers will have their own app you can use to manage your store branded card account. Belk offers 3 versions of their store card, but you have to reach spending thresholds to be upgraded from the basic Belk Rewards card. Synchrony Bank just canceled my Lowe’s card because I fell a payment behind on my Sams Club. I agree we should file a class-action suit. No worries when my credit score goes back to being over 700 again. The “real reason” people are complaining is because this company is ruthless and very open about how little they care about how they affect their customers and if it was justifiable. I am trying to move from California back home to Georgia, to have family support for myself and my son and was going to use my VA Loan to try and get us a house. That’s ok though. I didn’t even know my card was canceled until I called. This company sucks. Due to family issues I had to choose who to pay, I chose to pay Synchrony because I had more cards with them and used their cards more and Discover card APR was much higher and had previous issues with Discover. You MUST watch your payments to them like a freaking hawk. Similar to the credit card from Ashley Furniture HomeStore, the Rooms To Go credit card really only provides an option to finance purchases since the card cannot be used anywhere else. Both cards earn 5X points per dollar at TJ Maxx, Marshalls, HomeGoods, and Sierra Trading Post stores, while the Mastercard also earns 1X points per dollar on purchases at other merchants. The TJX Rewards credit card (sometimes called the TJ Maxx credit card) is part of the Mastercard network, so it can be used at other merchants as well. Couldn’t agree more, they are the worst. These companies are staffed with pros who work quickly to ensure accurate reporting, dispute your claims, and get entries removed from your report. Synchrony Bank has been an absolute delight to deal with! If your balance is high and paying on time, they will still lower your limits. @Charles This site is not run by Synchrony Bank. I had three Synchrony Bank credit cards: JC Penny, Rooms To Go and Ashley Furniture. No worries, I will be cancelling my TJX card because they are garbage. Synchrony Bank closed my Lowe’s Store Card with an existing deferred interest promotion that wasn’t supposed to expire until 11/20. I know I won’t be shopping any of these stores that deal with Synchrony Bank ever again. Could some tell me how this is legal? The same is true for disputing collections accounts if a debt collector is contacting you. Do not even consider getting any cards whatsoever from this company! I just recently had my 0 balance card closed with no explanation. I know I will pay off in 6 months. Experian no longer displays medical collections on a credit report until they are 180 days past due. Cardholders who earn at least 5,000 Reward Points (not including bonuses) in a calendar year will be upgraded to the Luxe version of the card. Unlike American Express and Discover that took it on themselves to lower my credit limit and put the account at 80% utilization. Sign me as: Screwed by Synchrony – the uncaring company who rips everyone off! For every 500 Reward Points, you will earn $5 to be used toward purchases at any of the Gap brands. But I think it has to be something else than just non-use of the card. Some of you, who max out your cards, miss payments, then gripe about it, you get what you deserve! Unclear why. Never any problems. Synchrony Bank issues more credit cards. Calling their customer service line gets you nowhere except frustrated with their poor English and condescending attitudes and unwillingness to give you numbers to contact the corporate headquarters. I made the purchase however had I known I would not have purchased anything at all. PayPal Credit is a line of credit that PayPal account holders can apply for. How long will it take to get a Synchrony Credit Card? then give them a chance … it saved my financial status to excellent:). I have being with this bank for a while and I am very pleased. I attempted to make a purchase and was declined. Minimum payment irregardless as I pay more than minimum. I never received any monthly payment invoices. Can I use my Visa to pay my bill? Once my cards closed out they were still charging me. Seems to be a going trend with them. Well, I just paid off JC Penney and they closed my account due to that negative remark on my account. I never had a problem with them. I only used my Gap Card once, after applying for it, in the store, during a promotional deal. The Best First-Time Credit Cards for Travel Rewards and Cash Back, The Best Travel Rewards Credit Cards for Any Type of Traveler. The Belk Rewards card earns 1 point per dollar at Belk and allows returns without a receipt. The Ashley Furniture HomeStore credit card (see our review of the card here) is more of a financing program than a true credit card. 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. Between my husband and I we have several accounts and have never had an issue! American Express also provides a co-branded Lowe’s card that provides a 5% discount at Lowe’s but can be used at other merchants as well. With a little know-how, thieves can easily use your information to open up accounts in your name. I make all my payment on time and I could not be happier with this bank and their service…. Or it will cost you…. While you might not hear of Synchrony Bank as often as Chase, Citi, or American Express, they provide over 100 credit card options to consumers. If your project will cost over $2,000, you will be eligible for project financing. I never ever paid them late and always paid them before the payment due dates. I absolutely love Synchrony Bank! Credit Card Insider is an independent, advertising supported website. If the issuer needs more information, it can take up to 30 days to get an approval and receive your card. On the positive side of it, this decision limits my purchases. It’s 2020 now…you still good with Synchrony? NO THANKS to “Synchrony”, my Credit Score is now BELOW 400. They charged my bank twice in 2 days on same store. I don’t know PayPal’s policy regarding disputes but on their website it is stated that you must first file a dispute. Like Comenity Bank, Synchrony Bank issues many store cards and store credit cards. I have filed disputes and they take about 90 days and then do nothing. Nancy – you’ll be able to withdraw cash from a credit card using via an ATM but I would NEVER do this. I agree. They will give you credit, and without reason, will lower your credit score by decreasing your available credit so they can charge you more interest. NOOOO WAAAYYYY!!! There are over a hundred different cards that use Synchrony … After investing, a mini while I’m on the phone, with two account managers later, is realized I made two payments so my bank sent one payment back. You may try this avenue if you haven’t already. They have done this transaction to many people and I was told it was not illegal. The Walmart Mastercard and the Walmart credit card each earn 3% back on purchases made on Walmart’s website, 2% back on gas station purchases with Walmart or Murphy USA (though not Murphy Express), and 1% back on other purchases across the Walmart brands. WOW! DO NOT! She is not lying Celia, synchrony is a waste they do close accounts that are paid off with no usage. 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 was shocked when I went into a JC Penny store 8 years ago only to find that my card was cancelled for non-use. 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. Every month they change my minimum due on a plan that my payments are supposed to fixed. Payment Calculator. I have nine accounts with these guys. So far, so good. Within about 4 months, my credit limits started to lower as they seem to have thought I was a high risk. Additionally, they also issue the Cathay Pacific Visa which earns Asia Miles directly. I have been paying off all of my credit cards one by one. 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. You work for the bank? I suspect it won’t be long before they close the account, but I refuse to pay them any more interest. Yes, Synchrony Bank reports to the three main credit bureaus – Equifax, Experian, & TransUnion. I am in for a class action suit. This is a horrible greedy company, they do not employ Americans unless is it at Corporate level. I read most of the comments above and I agree with most of the positive comment because I have had my cards with this bank for over two years and they are really good with increase and keeping my free credit score up to date. What they did first was this i.e., Walmart – I had a Total Credit Available of $2500.00 (nice right?). Additionally, Lowe’s offers 2 business credit cards through Synchrony Bank that provides the 5% discount. as a general rule, make sure that you’re not within 60% of your credit limit usage at the time of statement closing. In most cases you would receive the physical card in 10-14 business days. Synchrony Bank offers a co-branded airline card with Cathay Pacific and their co-branded Banana Republic card has been particularly popular as well. I have never used Walmarts gas again once my account was also closed due to several months of non-use. There is also a store card version that can only be used at stores that are part of TJX Companies. Luxe cardholders receive a 20% Reward Points bonus based on their spending every 3 months, bonus points shopping days, free shipping on many purchases, free basic alterations on merchandize from Banana Republic, and a “Choose Your Own Sale Day.”. You’d have to write them. You are missing B&H Photo. Yes, PENNIES. The card comes with a larger sign-up bonus than you’ll generally find with any Synchrony credit card, and it has a $95 annual fee that is not waived the first year. 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. I think some of these stores should get rid of Synchrony Bank before their own businesses go under. That is deliberately ruining a persons credit. They then lowered my limit to almost the purchase price. Synchrony will be taking over for comenity with PayPal. Makes my stomach turn. So they closed a different one. They said I had too many cards with high balances. The only thing is with Care Credit if you don’t use it for a year, it closes. It’s definitely not my credit score, because I was since approved for a $15,000 American Express card. Contacting the store did nothing. I have lost all respect for a company, that sees me as a risk even though it is only a $249 hospital bill. I would really like to get it taken care of! Additionally, they launched Aerie to compete with brands such as Victoria’s Secret. This bank treats you with disrespect on every level even if you pay them on time. You can also dispute the charge in question by calling. Synchrony Bank (SYNCB… They never lower my card balance and I had a family emergency one time and they were great to work with. DO NOT USE!!! 29.99 Intro APR. You’ll also be eligible for an auto-pay discount of $5 to $10 each month when you use your card to pay your Verizon bill, depending on the type of plan you have. Click the button below if you would like to stay signed in. Similar to Comenity Bank, which also offers tons of store-branded credit cards, Synchrony Bank store credit cards are often easier to obtain than some other cards. I called to find out why- and they said that I would get a letter. I have paid them off in full every year. I let them know how I feel because it negatively affected my credit. B.S! Synchrony HOME™ One card… PayPal said to return all and do a full refund. The Lowe’s Advantage Card provides a 5% discount on all purchases from Lowe’s. They are a horrible horrible bank to do any business with!! Someone needs to look into this banks procedures when it comes to protecting our data. When I ask them when why they had not delivered them, they said they had not arrived yet. They closed my belks, Walmart, and Old Navy. This situation is absurd. Kohls has always treated me rights. I’ll be getting a personal loan to pay off all my accounts with them and just use our credit union’s credit card. can i make cash withdrawals from credit card ? 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. It had a $0 balance and paid on time. Always a fan of flying, it was only natural that Spencer was drawn to finding a way to improve the travel experience. I’m not sure where these complaints are coming from. Synchrony Bank offers both a business and personal version of the Sam’s Club Mastercard. I never was late, paid to zero balance, and my card was canceled. This company closed 3 of my accounts in the same month. I didn’t/don’t know who to go to, to complain except the BBB. I lost my contract with the Base and needed help to get through until I could find a job, which took 6+ months to do, and I had to get a company to help negotiate pay offs for my accounts and not all my accounts were put in. I bought some stuff online that was returned and then I purchased it again by going to the store. They were not sending paper copies of the bill or emailing me. 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!!! 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. But are they a U.S company? I have never, not once, had my credit limit reduced! Now I have Lowe’s again, Paypal Mastercard, Ebay Mastercard, BP gas, Valero gas, and Walmart. Yes, I too had a couple of their cards canceled once (JC Penney, Chevron), however, that was due to inactivity. It would depend on the credit card you apply for. 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. I have experienced this myself. I am paying ahead of schedule and on track to have both paid off early. I have learned that Lowe’s can do whatever they want to and get by with it. To all that had no problems with them (synchrony) awesome for you guys and gals. This bank will close your account for no reason, or they will lower your credit limit for no reason. They also have a Financing Card, I forget its details. Synchrony Bank is the best! Also, all their operators are from India with a heavy accent and you cannot understand what they are saying. Standard text messaging and phone rates may apply. Just recently I had a derogatory remark made on my credit bureau for a hospital bill of $249. I will be contacting my credit bureaus to report them. My Walmart account they sold to Capitol One. Purchases of $299 or more will receive … I have several synchrony cards. They are money grubbing POS. Synchrony Bank stinks! Your Rakuten Cash Back Visa Signature® Card or Rakuten Cash Back Visa® Platinum Card is issued by Synchrony Bank. By Synchrony Bank closing the card it will put a bad mark on your Credit Score. WORST COMPANY I HAVE EVER SEEN! Very simple. But with the Amazon Prime Store Card, you can get 5% cash-back all year. My bill should have been the same as it was minus any payments I had made and plus my interest. My suggestion to everyone don’t use the credit because you have it but try to use it when needed or necessary. Synchrony does not lie. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. BetterCreditBlog.org’s staff of editorial writers have spent hundreds of hours conducting research, interviewing industry experts, and reviewing the products and services out there to help inform and educate our readers. I have a synchrony bank card for Lowes and they have cheated me out of about $5000 – $6000. You can rest assured knowing that SYNCB is legit. It is laughable! The same issues that you all have had, I have also. I hope someone sues them. My daughter paid her balance off on two of her cards and then they closed her accounts. It will NOT be published. I started doing some research online and found out some alarming things that I am going to contact our state political representatives about as I believe the same thing is going on with Synchrony Bank and its card members as what happened back in 2012 and the IRS. I’ve maxed out, paid off, maxed out, paid off over the years 100% repay history. Increases come unexpectedly, bills come in, customer service is wonderful once I got their number saved. After six months, the medical collections could become part of your credit report. They closed my account with Lowe’s for no reason whatsoever! The buyer didn’t follow. *Subject to credit approval. Synchrony is a crap company as I had credit limits reduced even though they were paid off. Many of these cards are linked to popular brands including Amazon, eBay, and PayPal. Do not apply for this credit card. I spent $71 and paid it in full when the payment was due. I did some research on this topic because I had heard there was a change as well. I’d recommend to anyone. I have purchased $20,000 worth of flooring using the card and paid them off right away. My TJMAXX/Marshall’s/Home Depot cards have paid off for months, my GAP card had automatic payments so never late and paid off for 5 months. Wise up! When I called Customer Service the representatives had no idea what the promotion was, I had to ask for a manager who still was clueless. Synchrony is the worst!!! In the event that you are being paid on time… how might you “Foresee” later on that I won’t keep on paying you? Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. Synchrony is the largest provider of private label credit cards in the United States. How long do hard inquiries stay on your credit report? I have NEVER SHOPPED at JCPenny’s since. Sorry you are having this trouble. More recently my JC Penney card which I had for 30 years! I had points built up too. Do not use, I’ve had nothing but problems. However, Synchrony did not address my concern. Your email address will not be published. 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