It has been over 30 days and they keep saying that the check has not been processed yet but they cashed the check and it will take 5 to 14 days and that I have to call back. With $1,500 in spending in a calendar year, more benefits are added including free shipping, quarterly Pick Your Own Sales Days that provide 20% off, and a 20% off coupon for your birthday. Two of them Lowes and Belk Mastercard I still had a balance on them. Synchrony aims to make your credit card application fast and hassle-free. The catch is that you wont earn any cash back on purchases over $299. I have also learned that most accounts through Synchrony are the same. Did you get this fixed? Anyone out there experience the same problem?? 4. I will never accept another card that have anything to do with them. Many of these cards are linked to popular brands includingAmazon, eBay, and PayPal. I understand that this is not an application for credit and that, if I wish to apply for a credit card with any participating credit card issuer, I will need to click through to complete and submit an application directly with that issuer. Stay away at all costs! When I got home I called the number on the back of my card and told the man what just happened, he said: no problem, just give me the routing number and account numberAll Done. 2For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. See our Advertiser Disclosurefor more details. Do not get a Synchrony Bank credit card for any reason! If your project will cost over $2,000, you will be eligible for project financing. Youd have to write them. Synchrony HOME cardholders in your area, based on radius to zip code : Were seeing a lot of our clients coming through the door with Synchrony HOME cards making the transaction convenient and faster for both our customers and my employees.. That said, sometimes you cant avoid them case in point is PayPal as that was not Synchrony they acquired PayPal Credit. It seem as if they had forgotten me. If you're not already a customer, just follow the prompts until you're given the option to say "customer service". While having the ability to pay off large purchases over time is more than welcome especially given the high cost of home goods and services deferred interest plans are rife with financial risk. That includes the likes of Ethan Allen, Marlo Furniture and Mattress Warehouse, as you can see below. Get the latest in shopping, financing and more on our blog. I used to have a 740 score it lowered even while paying in full on time. Be blessed. There are many reports of people being approved for Synchrony store cards with credit scores in the 600s. Well, I didnt realize that I would basically be adding a maxed out 12k credit card to my credit score. Well use this information to to verify your credit profile. They said I had too many cards with high balances. Like who does that help? can i make cash withdrawals from credit card ? So I guess I should have not brought a new truck and they would have let me keep the little $1,000. *as of 12/31/20. I just bought it like less than 6 months ago so of course the balance owed on my house was high. Synchrony will also destroy your credit by automatically closing accounts not used in the last twelve months. The headquarters for Synchrony is located in Stamford, Connecticut. Between my husband and I we have several accounts and have never had an issue! I have several cards and I have never had a problem paying on them each month. I have a perfect pay history and have many Synchrony cards since 2015. 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!!! There has been a 0 balance for 2 months, I went around for 30 minutes until one person I use that word very loosely, said you will be getting a letter in the mail, and repeated that after every question I asked. My TJMAXX/Marshalls/Home Depot cards have paid off for months, my GAP card had automatic payments so never late and paid off for 5 months. What are they up to? They ruined my credit by stopping my cards! Synchrony bank will close your account if there is no activity for 6 months and you have a zero balance.. Synchrony is NOT good. WORST COMPANY I HAVE EVER SEEN! Amazon is regularly one of the quarterly bonus categories for cards such as the Chase Freedom Unlimited Credit Card. Cardholders will receive a few solid perks, too. I just made a $200 payment to Amazon card. She is not lying Celia, synchrony is a waste they do close accounts that are paid off with no usage. Youre exactly right. I never ever paid them late and always paid them before the payment due dates. I have NO other card besides my bank mastercard which is a debit mastercard! If youre making a purchase of $299 or more but dont need a financing plan, consider using a different cash back credit card instead of the Synchrony HOME card. You can now use the hhgregg Credit Card at any retailer in the Synchrony Home Design program. You get frequent phone calls from their 800 number and they barely speak English and try to scam you for more purchases. I wasnt using the card at all and they lowered the limit for no reason. Small Businesses Can Deliver Big with Synchrony. If youre not paying off your card completely (which you really should be!) 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. Very informative. I am in a credit group on Facebook and the post in regards to this bank are always the same horrible! Discover the choices you have when it comes to paying for your purchases with Synchrony. How can I keep better track of my statements and purchases? I had 3 different accounts closed by this company and had either ZERO owed to them or less than $200 on the card AND was UP TO DATE if there was a balance! If it is not resolved you must file a CLAIM. Smart features and free tools to help you get the most from your Synchrony credit card. Very simple. Ill look to see what I owe and itll say $0 balance due, but still pay! That said, deferred interest offers can be risky. Synchrony Bank mostly issues store credit cards, which only work at the specific retailers they're affiliated with. The one that was closed didnt even have a balance on it. They closed my account with Lowes for no reason whatsoever! As soon as I paid it off, they closed the account on me! They are the worst and I will make sure any card I apply for from now on is not issued by Synchrony. I send this list to anyone I know that is inquiring about a credit card and tell them do not apply for any on this list. I was told on the phone that they cant legally lower them below what your limit is. Without noticejust because they feel like it. We can help you manage health and wellness costs with financing for healthcare, dental and vision. 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. Welcome to the future everybody. Pay Online: Click here to manage your account and make payments online. Cardholders will also receive free standard shipping, a 20% off birthday coupon, a personal shopping day coupon, special cardholder events, and more. In order to reach the appropriate representative to address your concerns, Synchrony recommends calling the customer service phone number on the back of your specific credit card or store card, or you can call the phone number listed on your account statement. If youre looking for more flexibility, consider these cash back cards all of which come with no cap on the amount of cash back you can earn and offer outsized rewards in a variety of spending categories. You have to watch out doing online bill payments with this bank, at least if you have a bank account with Chase. I have an excellent credit score, pay my credit cards off every month and they just canceled all of my cards with them! Now, my credit score is affected. It is just the truth! All used in the last 6 months, all had a low balance around 4%, all paid on time. (like the IRS). First, create a budget. Very frustrating ! Synchrony HOME One card. I plan on avoiding their cards moving forward. Yet my prime membership payment wouldnt take. Its definitely not my credit score, because I was since approved for a $15,000 American Express card. Its a shame and they should be held responsible. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. Additionally, they also issue the Cathay Pacific Visa which earns Asia Miles directly. This company needs to wake up. The same happened to my daughter and a co-worker who had cards with this bank. Existing cardholders should see their cardholder agreements for their applicable terms. Your credit cards journey is officially underway. Our thoughts are with those affected by natural disasters. Make the best decision on how to budget your purchase with our convenient Payment Calculator. This card was moved to Barclays as of June 17, 2022. Most retailers offer furniture, bedding, mattresses, lighting and window treatments. We need the Attorney General on them and to start a petition against this bank. The dishwasher was all that was supposed to be ordered. Save yourself the stress, aggervation and heartache and find another financial institution! 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 Lowes $7000. Just because you dont youre card all the time doesnt mean you wont use it again. Get help and support for all things Synchrony. And that I havent paid down enough balance on my student loans Im not required to so why is that an issue for them? Ridiculous! Watch our videos to learn more about Synchrony HOME: What Retailers Need to Know, Cardholders can enjoy this everyday benefit, everywhere the card is accepted: 6 months Promotional Financing on purchases of $299 or more*. All Rights Reserved. I didnt get a warning about them closing the accounts and I had never missed a payment. I am so disappointed. They closed my Ashley for a missed payment of 3 days. Bank of America Customized Cash Rewards Credit Card. And while the Synchrony HOME card does not require you to redeem your cash back with a specific retailer (as is the case with many store cards), you wont be able to claim true cash back in the form of a check or direct deposit to your bank account. We are Upgraded Points, a blog specializing in providing credit card and travel-related resources. Again, stay away from Synchrony Bank, as well as all their financial dealings. Retail is always evolving, but one thing remains true: retailers and . They closed my JC Penny store card. I disagree. The information regarding the American Eagle Outfitters Visa, At Home Mastercard, Banana Republic Visa, Belk Rewards Mastercard, BP Visa, CheapOair, OneTravel, Chevron, Texaco Visa, Ebates Visa Credit Card (Rakuten, formerly Ebates), Lyft, Marvel MasterCard, Nissan Visa, Norwegian Reward Card, PayPal Extras MasterCard, PayPal Cashback MasterCard, eBay Extras MasterCard, eBay Platinum MasterCard, Sams Club Personal MasterCard, Sams Club Business MasterCard, ScoreCard Store Card, Stein Mart MasterCard, TJX Rewards Credit Card, Verizon Visa Rewards Card, Walmart Personal MasterCard, ABC Warehouse, ABT, Amazon Store Card, American Eagle Outfitters Store Card, American Signature Furniture Store Card, Americas Tire Store Card, Ariens, Gravely Get the Gear Card, Ashley Furniture Home Store, Art Van, At Home Store Card, Banana Republic Store Card, Bargain Outlet, Belk Store Card, Bernina, Big Sandy Superstore, Bjorns, Blains Farm & Fleet, Briggs & Stratton, Carpet One, CarCareONE Store Card, Pep Boys CarCareONE Card, CheapOair, OneTravel, Chevron And Texaco: Techron Advantage Premium Card, Chevron And Texaco: Techron Advantage Card, Citgo Rewards Card, City Furniture, Conoco Store Card, Discount Tire Store Card, DX Engineering, Electronics Express, Ethan Allen Store Card, Flooring America, Freedom To Ride, Guitar Center Store Card, Havertys Store Card, Hudsons Furniture, Husqvarna, JCPenney, Jewelery Exchange Store Card, Kraft Music, La-Z-Boy, Lenscrafters, Levin Furniture, Lowes Store Card, Lumber Liquidators, Maaco, Mavis Tire, Mattress Firm, McCoys, Meineke, Metro Mattress, Midas Store Card, Mohawk Flooring, Morris Home Furnishings, Musicians Friend, Napa EasyPay Store Card, Nautilus, Newegg, P.C. Yes, PENNIES. Manage multiple promotional financing offers with a single card. That killed my credit as suddenly I looked like I was utilizing 100% of my card. Paid in full every month on all my cards. Do not apply for this credit card. Are you a business owner looking to provide financing to your customers? All while issuing me a different card. As a Veteran and a single mother to a 30-year-old disabled adult dependent, I feel like Im not far away from having to sit on a street corner with a sign asking for help thanks to these jerks. Oh and btwThey had the audacity to ask me if I wanted to keep my Amazon Prime??? The Amazon Prime Store Card offers 5% cash-back on all purchases on Amazon. I told him to just cancel it and he said, I cannot cancel it because I never did run it. He lied. Life happens, but I felt punished. I wrote a detailed letter to Synchrony stating if the failure to bill happened again I would contact the BBB and my states attorney general fraud division. I read the promotion to the manager and after having me on hold for 30 minutes she told me my card did not qualify. I am sick and tired of trying to deal with Synchrony Bank. They up and closed my Sams club card years ago. The information regarding the Synchrony Car Care credit card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The Cathay Pacific Visa is your best bet for a travel rewards card from Synchrony. I will be around them for a much longer time to come. I get kudos on Kredit Karma for being a great payer. I spend hours in the store. I agree as well. Use Synchronys store locator tool to find online and brick-and-mortar stores near you that accept the card, and be sure to check what sort of financing plans they offer. My Nissan card went from 7,000 to 1,024, Amazon from 5,000 to 1,024, Paypal from 5,000 to 1,024, and they closed my Toys R Us Visa card. Just had it done to me. My opinion is that there is collusion going on between the two entities. to maintain accurate information. The Synchrony Home Credit Card customer service number is (866) 396-8254. I just recently had my 0 balance card closed with no explanation. This in turn has caused me to delay sorely needed home improvements, dental and other medical procedures. Synchrony needs to take a good look at the definition of customer service and loyalty. In five simple words and then some, stay away from this bank! By boosting your score, youll have a much stronger chance of applying for more premium (and rewarding) cards. I had the same thing happen to me, with a zero balance on a Gap Credit card. The information, including card rates and fees, presented in the review is accurate as of the date of the review. If you make your payments as agreed Synchrony is THE BEST! Synchrony bank cannot be reached. So as soon a loan hit my credit report it caused my score to take a 110pt + nose dive because even without using any other credit it shows Im utilizing 90% of my available credit even with a 0 balance on everything else! I do know that there is a Walgreens card that needs to be added a store card & a Mastercard. Equal payments required for 36 months. Barely used the card, paid it in full and they closed my account. Then, trim that budget as much as you can. Synchrony Bank sucks they lowered my Wal Mart limit from $1500 to $130 I refuse to use the card anymore maybe they will close the account.I truly dont care at this point. Plus, you can also access these benefits: Convenient monthly payments*. Dont worry, we wont spam your inbox. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Do not use, Ive had nothing but problems. Closed my Lowes card despite paying on it!! I had points built up too. So since I havent missed a payment at all and I still had available creditI feel like when they canceled my card, they relieved me of the balance owed!! I contested a charge on Paypal for $945 and they told me they would look into it. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. It makes no sense. Over thousands of locations. One card. This needs updating again. I called again and gave them the Fedex tracking number and the persons name that picked the item up. Well use the last four digits of your Social Security number to get your approval odds. Not sure what store? I doubt Ill have an issue getting another. NO THANKS to Synchrony, my Credit Score is now BELOW 400. I have two cards with them. Id rather use my VISA/MASTERCARD and not use another synchrony card again. I would never even open to apply for a Synchrony card again. I opened a Lowes account to do some work on my home and unexpectedly they closed the account, before I could get the work done. Do the bureaus really need to know that I bought a few things at Amazon before those charges are even due? Please provide a number to call Synchrony Steinmart to pay my account. I currently have over 15 cards with them; last year my credit card usage percentage went up on my credit report. 3 days later I get a call that neither option worked and my account went into NSF mode and triggered 5 other accounts to be closed without my knowledge including one I have had for 27+ years. Your email address unlocks your approval odds. Dawn, I agree with you a class action lawsuit. Dont try to dispute a transactionthey will NOT be on your side or assist you in any way. Synchrony does play the credit trick and they do pull Soft checks using a third party. Several of the cards had a zero balance too. You are sooo right! These people have taken over Paypal. The MySynchrony app for iOS and Android lets you manage your account and find nearby retailers and offers anywhere, anytime. They are great. Never any problems. I had Walmart, Lowes, Amazon, Care Credit, and Pay Pal and each and every one of them were closed without my knowledge. Card options that can give you access to thousands of retailers. Live and learn, lol. You can use your card at thousands of retailers in home-related categories such as art and dcor, electronics and appliances, flooring, furniture and mattresses, home improvement, and outdoor, patio and garden goods. This account was used just one time. Ive been paying 1/4 of my monthly payment every Friday for the last 9 months. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. I am grateful that after bankruptcy it still shows Synchrony bank is giving me a chance to rebuild. They are full of crap. will be cancelling it asap. You MUST watch your payments to them like a freaking hawk. I had CareCredit before Synchrony Bank took over. 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. In Q3 or Q4 2019, existing accounts will be transferred to Capital One, and all new accounts from the will be issued by Capital One. Synchrony Bank is the worst bank in the world! I would love to take them to court just like they would take me. But on 2/25/2021 they reported new charges that I just made on 2/21/21, 2/22/21, and 2/23/21. Dont waste your time! WalletHub, Financial Company. So I trusted Synchrony more. I attempted to make a purchase and was declined. We have even had charges on cards that have not been activated. Payment by Phone: Contact customer service at 1-800-845-2246 if you need assistance making a payment over the phone via credit card, debit card, debit check card, or electronic funds transfer from an existing checking account. Promotional financing and/or at many retailers who offer financing from Synchrony. Please use the primary account holder information. if you are looking to built your credit and keeping with a positive bank who will help your grow financially with increase . Within about 4 months, my credit limits started to lower as they seem to have thought I was a high risk. The 5% cash-back at gas stations is limited to your first $6,000 spent. They did it to me too. They stated I am a risk and when I called they stated my other cards must have been the problem. I have several synchrony cards. After six months, the medical collections could become part of your credit report. They are a horrible bank. The buyer didnt follow. My suggestion to everyone dont use the credit because you have it but try to use it when needed or necessary. Instead, larger purchases are eligible for promotional financing. But after I bought my house they started lowering all my balances citing because of the balance on my home. The card also comes with a 0% introductory APR offer for 18 months on balance transfers (18.74%-28.74% variable thereafter), which could come in handy if you need to hit pause on interest charges and pay down debt. Payment processing is reasonable. You can find a participating store near you through Synchrony's website. Discover the choices you have when it comes to paying for your purchases with Synchrony. Walmart sued them because they were basically dishonest with their customers. In the event that you are being paid on time how might you Foresee later on that I wont keep on paying you? Hardwoods, laminate, carpet or tile, get the promotional financing for flooring thats the perfect touch for your home. B.S! Here is the information from Experian on medical bills and your credit: If a medical bill is left unpaid, the debt can be sold to a collection agency. I was told when i sent in my reconsideration, that they review credit reports and have the right to close and lower limits at will. They have too much power. Synchrony had a website that keeps all the cards you have with them so there is no reason to say I dont know how to pay! Explore special offers and deals from our partners. I dont believe everyone is more irresponsible than you and handles their finances apathetically before this company cancels their card. Generous cash back rate on home goods and services purchases. 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). 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. I called to complain and they said my credit score had changed? We are here to support our cardholders and partners in their time of need. Minimum payment irregardless as I pay more than minimum. How can I make a payment on my Westrich Furniture & Appliances Synchrony Home Credit Card? Since I had not applied for credit I called the bank and asked how they had the authority to run a credit check on me. Walmart is ending its relationship with Synchrony. Im expecting to see my paypal card which I paid off two months early to be cancelled when they take over in July. The information regarding the Cathay Pacific Airways Visa was independently collected by Upgraded Points and not provided nor reviewed by the issuer. Im sure your one of their CSRs. If youre in the midst of a home renovation, redesign or repair and find yourself spending heavily on home goods and services, the Synchrony HOME Credit Card could offer decent rewards value and payment flexibility especially if you cant qualify for a traditional cash back credit card or 0% intro APR credit card. The Complete Guide to SPG, Marriott, and Ritz-Carlton Changes, Synchrony Credit Cards Getting Approved, Easy Credit Cards To Get (Low or No Credit). No complaints. Nearly had that happen to me with one of the Synchrony bank cards! Reasonable efforts are made To speak to someone immediately, call us toll-free at 1-844-866-8014, Mon-Fri, 8 AM to 8 PM ET. With regards to my Walmart Gas Card. Minimum monthly payments required. But are they a U.S company? In 10 days they turned it down saying they did not see where the item was returned. The Chevron and Texaco Visa cards earn 3 cents per gallon in fuel credits on purchases with Chevron and Texaco. Everything for your home from floors to dcor. The information regarding the Synchrony Car Care credit card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. Additionally, you can earn 10 cents per gallon in fuel credit when you spend $300 at other merchants each month. Look up the cards they cover, b/c they cover a lot. Power your passion with promotional financing for motorcycles, ATVs, snowmobiles, jet skis and personal watercraft. I hope someone sues them. Finally, purchases of $1,500 or more qualify for a no-interest 12 months. You need to juggle financing plans with multiple home goods retailers and service providers. I have 3 accounts with this bank and paid all of them in full. I proceeded to the next account, the same thinground and round I went for 4 hours. See how a big purchase can fit your budget with manageable monthly payments. If you cant pay off your financed purchases in full by the end of the promotional period, youll be charged interest retroactively, going all the way back to the date of purchase. which typically require you to have an excellent credit history to qualify. The Synchrony HOME card comes with a relatively straightforward cash back earning scheme: When you shop with participating retailers and service providers, youll earn 2% cash back in the form of a statement credit on all purchases under $299. When it comes to earning miles and points for travel, Synchrony has almost nothing to offer. Some of these cards offer some interesting cash-back opportunities. Gain the skills to confidently offer financing and better help your customers. After calling them and clearing that up, it was only another half-dozen charges before they started blocking again. I dont know what is going on with Synchrony. Then they closed it because we hadnt used it again. I need to get to the bottom of this immediately. Neither version of the Sams Club Mastercardhas an annual fee, but they do require a Sams Club membership. I was never given any opportunity to make kind of payment to them. We are Upgraded Points, a blog specializing in providing credit card and travel-related resources. You may call this number any day of the week, from 8 a.m. until 12 a.m. After dialing, say or enter your account or card number. Synchrony reported a $0 balance on 2/18/2021. If your balance is high and paying on time, they will still lower your limits. I very upset about this because I have worked really hard to build my credit, all to have sets back like this! PayPal said to return all and do a full refund. We also published posts on The Best First-Time Credit Cards for Travel Rewards and Cash Backas well as The Best Travel Rewards Credit Cards for Any Type of Traveler, if you want even more information to read up on. 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! Find promotional financing for home improvement, repair or renovation projects. Am I forced to contact my attorney? I got a message that my account was suddenly being processed by Synchrony. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. Pay off your deferred interest financing plan balance before the end of the promotional period to avoid heavy retroactive interest charges. The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. Be sure to have a debt payoff plan in place before you sign on to a deferred interest financing offer with the Synchrony HOME card. Hot Tip:If youd like more options, you can read our dedicated article on the easiest credit cards to get approved for. Synchrony offers a wide range of credit cards, but weve narrowed down this big list down to our top 3 cards for travel and everyday spending. Discover cash back categories typically include spending at places like grocery stores and gas stations, as well as wholesale clubs, home improvement stores and online shopping at stores like Amazon.com, Walmart.com and Target.com. They sold my account without giving me any chance to rectify the adverse situation that was totally caused by their negligence. I had to reopen one, from now I can just make a medication purchase to never let it close again. Stay away from Synchrony their ratings are low. Nouri Zarrugh is a staff writer and editor at CreditCards.com and Bankrate Credit Cards, focusing on product news, reviews and recommendations. On the positive side of it, this decision limits my purchases.