Synchrony Bank - Real Customer Reviews (2024)

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I’ve had a 2% cash back card with Synchrony Bank for 4 years.On my most recent statement, I noticed that the cashback rewards were listed as 1.5% rather than 2. It seemed like a mistake, but I reviewed my past statements and noticed that the rate had been lowered two months ago. Until then it was the 2 % I had signed up for. There had been no notification from Synchrony about this upcoming change, and since then I have been unable to reach anyone with authority to speak with at the bank itself. I was told that someone would contact me very shortly to resolve the issue. That was six days ago, and I have heard nothing since.

I am leaving this review to worn others not to do business with this bank or any store that utilizes them to service its consumer accounts. They will destroy credit standing for no other reason than they felt like it. I have never been late nor had anything outstanding with them or anything that went unpaid and have had my credit decimated due to them decreasing my credit lines with the 4 or 5 store cards their bank (Synchrony) manages on behalf of those stores. If you are considering starting a financial relationship with any store that allows Synchrony to harm their clients refuse to use and utilize that stores goods and services. As individuals we are weak as a collective we are strong and could twist the arms of several entities to no longer do business with Synchrony. There is a saying the enemy of my enemy is my friend. Well the same can be true of the friend of my enemy is my enemy. If as a collective we let the institutions that serve us know we can not in good conscious spend our money with stores or service providers that would allow harm to their clientele by allowing Synchrony to devastate their patrons financially.

Let's see what they do with this review...About 3 years ago I bought a bed from this company. I used synchrony via sleep outfitters zero interest credit card to purchase for it for 3 years. I made the payment on autopay all the sudden in July of this year. They charged $1.99 paper fee which they never charged in over 3 years because my account was on autopay. I missed that $1.99 charge. Then they charge me a $2 minimum interest payment which came to $3.99 because my autopay did not cover the new balance plus their bogus $3.99 charge. They then charge me a $30 late fee. They continued to do this over the next 3 months and raise the late fee on the last one to $41. When I finally became aware of it, I had to call the credit card company and was furious, screaming and cussing at them. I never signed up a contract where there was this paper fee and for 3 years we were doing straight business but then they tried to f*ck me and I don't get f*cked. It's bullsh*t. It's f*cking robbery. All the banks. All the credit card companies now have to do that. They are slimy. They are cheap. I immediately called. I was able to get them to take off most of the charges but she couldn't take off one of them for whatever reason. I then paid the account in full and I will never do business in my life with them or sleep. Outfitters and if you happen to be the owner of sleep outfitters I would call synchrony Bank and tell them to f*ck off because they're not doing your customers right and that's not straight business. You can't just change the terms of a contract 3 years later and expect to get away with it.

I completely recommend Tech Wizard to everyone in need of a credit specialist. School Grades Change, DUI repair and other credit related issues. After I did my due diligence, I contacted Tech Wizard through and narrated my problem and how I would want to proceed with fixing my credit report because I was at low 490. He confirmed he will increase my score from to 770 which he did in just 3 weeks, he removed all the collections and charge offs I had and also added some tradelines to my report. I completely recommend Tech Wizard!.

Deliberately holds statements to charge late fees. Never sent email or USPS mail statements on credit card account. The balance was $20, and the late fee with interest was $24 on top. That prorates to about 1400% interest annualized. Wow. Clueless customer service. Potentially pulling a scam for CEOs to make extra cash. Well, good luck with that. Taking my business elsewhere and will not open a High Yield Savings account with Synchrony. CEOs, stop playing golf for a few minutes and train your staff accordingly. For $20, you lost $100,000 plus investment capital. Losers.

Purposefully made it so you can't cancel payment or view scheduled payments. I realized I had accidentally arranged duplicate payments. There is no way to cancel payments scheduled online. Calling them, they refused to help me cancel one of those payments. They do this on purpose so they can charge extra fees. If you value customer service, avoid Synchrony at all costs.

Although you make all payments on thier cards on time never miss or late have a seller payment history with all credit cards not just theirs they will lower your credit limits to what you owe at that time killing your credit scores.contacted customer service and was pretty much told they could do this and owed no explanation. These people are a real work of art.there is a special place in hell for all of them customer beware a d steer clear.

Takes over 15 business days to hopefully receive new cards. Meanwhile since they won'y yell you the new account number, interest and late fees accrue. If they receive your payment by the due date (according the bill paying service records, you ar are charged a late fee and interest until they decide to post the payment. This bank needs to be investigated and put out of business.

This bank is a JOKE at the highest level. I went to this bank for a HELOC loan which I was referred to by my mortgage company. Right from the start things went left. First I would like to point out if you're dealing with Carmen Cordero request to speak to a robot, because she doesn't answer her phone. First they got me mixed up with my home and loan information attached to someone else name. Then they called me after some weeks to say, sorry we can't approve you because your house was up for sale recently. My home never was up for sale since I lived there. After that then they said I have to much credit debit so I can't be accepted. I don't know if they were finding reasons not to approve me but I make enough money to cover all my debts and was going to consolidate all of my loans and credit cards. I have a 750 score and NO derogatory remarks on my credit report. I would have easily paid my monthly payment so I really don't get it. No worries everything happens for a reason, so before you use this bank read the reviews and stay away from this bank

They are not a good company to trust they steal from their customers and they know it they have Care credit and it says you should get up to 24 months no interest on dentist bills and I had but my dentist they said accident charged it as a master charge? They knew he was a dentist but they kept billing me interest and telling me to give them 2 months to fix it and nothing at 160.00 payment and only 40.00 would go to the bill I would call and complain and they would say have the dentist call them which I did and and this went on for months and every time they said the same thing give them 2 months until 15 months later they owe me all that in interest they said they can't give me the promo now cause it is past the 6 month period what a joke right even though the 18 month could of gotten isn't over or the 24 months I qualified for isn't over they just stole 15 months of interest they didn't deserve!!!

I’m giving a 1 star review because I have several cards with them and they can close your account out if they feel like you have too much credit I had a Lowe’s account with 5,000 credit only use 1,300 on it and made over minimal payments amount they closed it because I had to much credit or high credit that is so wrong I will not do any more business with synchrony bank I will pay off what I owe them and close every account I have.

Have 3 accounts through them. Always paid on time. One account is 10 years old. Never had a late payment for anything in over 10 years. I paid off my Amazon and they closed my account stating I was high risk! There is literally nothing negative on my credit report! No late payments, defaults, bankruptcy or anything. In fact they gave me a credit line increase 2 months ago. What a joke.

This lender has lowered my credit on two occasions. I had finally gotten my credit up to good standing after going through a divorce where my ex-wife ruined my credit. I got remarried and lost some weight and went into a Belk's to get some celebratory new clothes. They asked us if we would like a card to establish better credit and we agreed. Initially, they gave me a credit line of $800.00. We spent $300 that day and got some new clothes. When I got home, I set up the account and automatic payment. For a few months, I made payments on the account and brought the balance back down to $550. then I got a letter from Synchrony Bank stating they lowered my credit line to $550. Then, because of what they did to me, my credit dropped 40 points into needs work. I had never missed a payment, on this card or any of my credit accounts. I called Synchrony Bank and they did nothing. I also called the credit reporting agencies and though the agent was validating, they could do nothing. It took several months to get some of my credit points back. then, this morning, they lowered my line again to just over the balance I had paid down, to $466.00. I am going to pay off this card and never use it again or shop at Belk's ever. Do not apply for a Belk card because Synchrony Bank is a predatory bank that messes with people's lives through credit. Buyer beware.

I am on the other end of this. I own a company and my company did a bunch of work for a customer. The customer waits until the job is complete and files a dispute saying job was not done. I have proof that it was! Anyways this so called bank helped the customer steal $9,000 from the business account. Now they tell me after almost 60 days there is nothing they can do about it without the customer. Customer has us blocked on everything. I had to file a police report and everything else. Please don’t trust this company with your money. You will get the run around and no help. If I could give zero stars I would have. I just want others to be aware.

First off you have to deal with an AI for the first 3 minutes of a call. Then you get transferred hopefully not disconnected because then you have to start all over. I was transferred because the first foreign lady couldn't explain the new fees if they would have interest charged on the paper statement fee all ready $1.99. So the second foreign lady explained it to me and I was like ok. She said if you get you statements delivered electronically you will not have the $1.99 fee. I said no ill pay the $1.99 because I hate businesses pushing everything o n line it's ridiculous. So I was transferred again. So the 3rd foreign lady ask me for my name. I said why am I talking to you. Why was I even transferred. She said to go over the new charges and paper statement gees. I said she went over all that with me. So there is no reason to have transferred me. Like they don't even want to finish a conversation. Why was I transferred the lady didn't even tell me why she was transferring me and when I said why do I need to be transferred. All I got was hold and off to the next person. They just no very little can't answer questions and hand you off to the next person no reason given. I have talking to AI. I WANT TO SPEAK TO A HUMAN. If they can't answer simple questions then what are they hired to do

Synchrony bank, you are the worse bank I ever dealt with! Today I got a alert from Experian a change in my credit line with my JCPENNEY account! I had a credit line from $2500 to $600. Are you kidding me!!! Never late all because you don't like credit inquiries or the fact that I'm using other credit cards that has nothing to do with synchrony bank. I have not been late on any credit card payments. You just don't like this due to your own ridiculous scoring system. Who do you think you are? Your not helping the consumer at all.my credit score was way over 700 and you cost me to drop 18 points over nothing. I also opened a Sam's Club credit card approved by synchrony bank about 3 weeks ago for a decent line of credit and I canceled this card today as well. I had this happen maybe a year ago recently gave you guys a chance again for this to happen again. I see you people have a pattern for this in lieu of all the bad reviews I am finding out about now if I knew these reviews was out there I would have never applied for any credit cards with this Bank. Rest assured I will not again in the future and I will be sure to let JC Penney know and Sam's Club how I feel. You are truly doing a disservice to people and hurting people's credit more than you are doing anything to help.

They destroy your Credit Rating when you never miss a payment, make all your payments on time, and keep your usage low, and especially your balances low. They closed several of our accounts due to no or low usages, destroying our credit score and making us look like we were over using our credit and relying on it to survive when in reality we’ve been paying it off and with interest free payments and only using their cards when we received no interest payments and paid off early before they accrued interest on them. Worst mistake we ever made getting mixed up with this company, we will stick with Capital One from here on out because they’re more reputable and reliable than this company.

They need negative stars. I have 787 credit rating. Sams Club talked me into a card. 5% cash back on gas. Tell everyone to get the card. Was given an 8500 credit line. Never charged more than $400 on the card. With balance paid off every month. Lowes uses Synchrony bought thousands in appliances I paid off within the year at 0% interest. I discovered today at the gas pump with an empty tank both my cards had been shut off. Was told another credit check had been done and I was high risk. My credit worthiness is still impeccable. No late payments. No large debts. House paid off. Cars paid off. 1500 on an interest free card that will be gone by Christmas if not sooner. My credit gets sabotaged by a credit card agency like this? I have no idea what will happen to my credit score, but I’ve heard nothing good when something happens like this. I will never do business with anyone pushing a credit card on me from Synchrony. Every time at Sam’s Club I checked out. Was getting hustled to apply. This is what happens?

I've had 3 separate credit cards with Synchrony. One of them was a Lowes card with a limite of $4k, Sams Club with a limit of $500, and Care Credit with a limit of $2k. I used my Lowes card and purchased a few things, paid it off and within 3 months of paying it off they lowered my limit to $400. I paid of my Care Credit one and they closed it 3 months later. They lowered my Sam's Club one from $500 to $300 to now $200. I have not been late on payments, have had auto pay set up, and my Sam's Club one, I pay off monthly or bi monthly since it's so low. Other companies keep raising my credit limits with my cards, but Synchrony just lowers and closes. Would not recommend opening a card with them if you are trying to increase your credit score.

My wife and I both have Care Credit accounts as we have a dog and cats. We opened these accounts when our dog became very ill and needed emergency vet services, totally over 7000.00. We paid on time and more than the minimum due, we paid off the total balance before the promotion ended. Synchrony reduced both of our credit lines for a total of 5000.00! They had no explanation. This was a huge hit to our credit scores! My wife has a QVC card with Synchrony, they gave her an 1800.00 credit line. When she made a payment bringing the total due down to 200.00, they lowered her credit line to 225.00! This caused a huge hit to her credit score because it made it look like she was using over 95 percent of her credit line! They had no explanation. This is VERY POOR BUSINESS PRACTICE. DO NOT OPEN A SYNCHRONY ACCOUNT.

I have been trying to get a W9n from this company for over 3 months so that the VA will help me pay for the bed I got from Mattress Firm with their card I have put in 3 requests now and still haven't gotten it. Once I have both the Harbor freight and mattress firm card paid off I'm done using them. The worst customer service I have every delt with. They will never get a dime of my money once I'm done with this crappy card company. Don't sign up with them they suck.

Refused to accept legal tender as payment (refused both a savings account and checking account to pay off the sum of my account). It was a fiasco. Long story but their system did not register with my bank therefore I got slapped with late fees and missed payments (I have a 100% on time payment with all 3 credit bureaus and a 800+ credit score) don't do business with them. Shady practice to charge late fees.

Purposeful scamming done legally! I bought a mattress on credit and per usual process, was told Synchrony would contact me with the billing and payment information. Synchrony did not contact me until I received an email stating that I had 2 late fees for 2 late payments. Upon calling the service number on the email, I was given payment and billing information. They said I had not received information because I was set up on paperless (which is automatic when you set up an account). I told them I did not feel I should be charged late fees as I had called the mattress company and been reassured that Synchrony had just not set up payments yet and had received no communication from Synchrony. They said they would waive the fees, and we set up automatic payments. The next month, the fees were still on my account. Upon calling back, they said they can only remove one late few. The agent was unapologetic, short, and rude. That billing set up seems like a purposeful scam.

This bank is the most non customer friendly company I have ever delt with in the 75 years I have delt with Banks These people do not have any business dealings with the public under any reason. They insult you with the emails and promises to do things and do not do what they say. I would love to tell all but my language would be to nasty for most to read. The CEO should step down due to poor leadership.i like working with Chase but these Aholes are not worth working with. Lowe,s needs to find another bank to work with before Synchrony bank runs all the good customers away. The worst customer service anywhere.

Keeping my money hostageThey did not execute a wire transfer to a verified account in which time was of the essence. Instead they blocked my account for a "review" that would take 3, 4 or 10 working days in which time I cannot use it, without being able to give an explanation of the reason why. They are not going to notify me of the result, I need to call them now and with representatives who will transfer me to others at least twice. Last time I was hung up three times for a total speak time of 1.5 hours. The bank has no rates above 1. As soon as I can I will close the account. I recommend that you do that as well.

I had two accounts with Synchrony. One account for Car Care and another for TJMAXX. I had previously used the Car Care account for repairs earlier in 2023, so I signed up for the TJMAXX card December of 2023. I never received a credit card for the TJMAXX account, nor did they provide me with the account number. I had tried to log in to pay the bill and could not log in. I had contacted the company about this concern multiple times. I requested to be given the account number they stated they could not, but they would send a bill in the mail. I did not get a bill until June 2024. Even after receiving the bill with the account number, I was still not able to log in on the app or online to pay the bill. Because of this my credit has decreased by over 150 pts. In April 2024 I called a Synchrony Car Care representative and requested to pay the remaining balance and to close the account. I was told that they were closing the account, and I paid the remaining balance. Since I was having such a bad experience trying to pay the TJMAXX card, I decided to double check the Car Care account late June 2024. There was a balance of $324.18 in late fees and interest! I called and spoke to the manager. He was giggling and joking which I found to be unprofessional. He stated that we could resolve the TJMAXX account by waiving the late fees, but not the interest. I paid the balance of the TJMAXX account, and after paying he stated that I will still receive charges to that account next month which I found frustrating. They stated that when I called to pay off the car care account and close it that they only charged me for the "promotional balance", and I still had a $117 charge on the account and since April it's accumulated interest and late fees. Now that also has negativity affected my credit and I had no idea. I stated that was not acceptable and not what I had requested. The manager said there's nothing he can do that I have to pay it. I find that to be completely unacceptable.

Of all my nine different creditors, none have ever decreased my credit limit on any of my accounts except for Synchrony! Not only did Synchrony decrease my credit limits on all my cards with them, they also removed all available balances.We are talking about thousands of dollars I had available and left my cards at 98% usage, maxed out! What a low, malicious thing to do. Synchrony also decided to remove $3000 available in credit on my Sam's Club card two days before the 4th of July. There went my huge 4th of July party!How thoughtful of them! I can't wait to now pay off all my forcibly maxed out accounts with Synchrony so I can cancel the cards and stop doing business with a company that cares nothing for their customers. Mind you, I have never made a single late payment to them, all accounts 100% in good standing.And this is how Synchrony treats its members! Don't do business with this company unless you want to be treated like garbage.

Read the reviews. I had no warning or emails, and they closed my account after being with them for over 3 years. They took money out of my account, and when I asked for a refund I was told I would receive the money back to my checking account within 7-15 business days. It's been over two weeks and I found out they issued a check to an incorrect address, after verifying they would refund it to my checking account. Speaking with 3 different people from India and each one had no idea what they were doing, and hung up in my face after expressing concerns and the misinformation. After I pay off this credit card, I will NEVER return to do business with this company. They lost the check, and now I will have to wait another 3 weeks to get the money they took out of my account without my permission. Lesson learned.

I had a Lowes card and still have a Sams Club card with this bank. So, in April I receive a notice telling me they are reducing my line of credit from 8,000 to 2,000, just 30.00 more than what I owed them. In May, a month later I got a notice they were closing my Lowes account. They used the excuse that I had high balances on my other cards, yes, i did. However, had no lates, no bad remarks, etc for over ten years. This just plummeted my credit score and here I was/am paying off my credit cards to get out of debt. And then this was just devastating. I also called and they did not care, cold- blooded, and non-American bank. I, of course will never shop at Lowes again and I am paying off my Sam's now. It was such a cold non-caring thing to do at a time when a lot of Americans have been using their cards to survive the hard times.

Synchrony Bank removed my reviews from BBB twice! Obviously, they are fraudulent! So I am here to re-post my damn review here! Synchrony Bank is BIG FRAUDULENT, FOOLING, SCAMMING PEOPLE’S MONEY AND CHARGING US MORE LATE FEES! HORRIBLE! I opened my Electronics Online/SYNCB/OWC account for purchasing IMAC desk computers. I did paid my bills on time, 3rd of every month but seems, they are fooling to charge me late fees every time after I paid my bills on time, 3rd of every month! Sounds like they are trying be greedy to get my extra money from many late fees after I did paid my bills on time! I wanna have FBI to investigate Synchrony Bank and see if seriously, they are fraudulent for charging me and other people many late fees! Bust them and sue them for their fraudulent! Remove all late fees from my Electronics Online/SYNCB/OWC account! I am tired of this hearing world! I am tired! No customer service there! I hope someday customers will sue them real soon!

the customer service Supper unhelpful and time consuming, the strategies is weak, the robot doesn't take note when called out account number. Overall the company is not living up to standard of their own advertisem*nt .

Opened credit accounts with Synchrony to help my credit score get better, after a year of being in good standing with them they close my accounts, as my score doesn’t meet their criteria , well thank you very much, thanks to you you have lowered my score.

Synchrony bank reduces your credit limits when you make regular, on time payments and then pay off the full balance. They then ensure to reduce your credit for no reason. They’re crap. They did this for two separate accounts. Highly don’t recommend them and wouldn’t use them again for anything.

I would not use this bank again. They said they had interest free for 24 months. They charged me $150 promotional fee it's called. Where is the interest free I paid it up front. And this is the second time this has happened to me with this Bank. Lowe's uses them too and their interest rate is 31% plus there is a $2 fee for processing.

Synchrony Bank has horrible customer service. I paid them through bill pay with a certified check. They never cashed it. They offered no help when the tracking number didn't work. I have spent hours trying to figure out what went wrong. I finally spoke to my back and they spoke with bill pay and we put a stop on the check. I am still being charged late fees and Synchrony never recommend going back to my back to double check. It has been a nightmare.

I have had a FleetFarm credit card through Synchrony Bank for 7 years. In June, I paid my bill on the Due Date, paying MORE than was due. But I was charged a LATE fee of $30!! Then they raised my interest rate to 34.99% !! When I paid my bill, I printed out the receipt / confirmation of payment they issued me. Even on THAT, it says I paid on the 8th - the Due Date! But they claim I paid LATE. Nothing but crooks!

This bank only takes care of the companies it benefits from not the consumer, This bank is a scam, stay away from this bank and all the companies they do buisness with, Lowes, mattress firm and your local doctors offices and more.If any buisness tries to have you finance though this bank run away or find your own bank to finance through, if not you will see how fast this bank is against you and they will ruin your credit.

Terrible scam bank. Send me no notifications on a promo ending so they can charge interest and keeps my pay on auto pay without notifying me of anything so every month their system will auto charge me interest fees. Sin Crony bank is a better name. A must avoid bank at all costs. Not to mention their bank statements online only go back 1 yr so they hide all the fees and incorrectly charged amounts/scam activity. Disaster of a bank will close my account soon

Synchrony Bank is no place to get a credit card. I have an Ashley credit card with Synchrony bank. I was approved for $1,000 credit limit. Been making my payments all of the time. Now I find out they dropped my credit limit to $700. So I bought furniture from Ashley. I now owe $678 on my card, and now they say my available credit is $83. They say they reduced it because I have to many other credit cards with big balances. When I asked them questions on how and why they could do this, no one there was smart enough to give me the right answer and hung up on me twice. This is the worst bank I have ever worked with. Please do not get involved with this Rinky Dink ooperation!

Charged me fees I didn’t agree on with my credit care card. They kept hanging up when I tried to resolve. They lowered and canceled other cards which ruined my credit when I wasn’t late and didn’t have a reason. No notice given. Finally when I demanded my card be refunded and fixed or I wouldn’t pay they took me to court and sued me for the remaining balance and of course no matter what proof you have in court a judge with always side with a huge bank. They also closed my account so I couldn’t access any statements in court and even after I requested they send a full print off. I never received it. Don’t use them. If you have good credit, they will ruin it! Their customer service is the worst and they do things most other companies do not.

had two cards with them, both at separate times and with separate retailers were canceled immediately after paying them off within a promotional period. This screwed my credit both times, the first time inconveniently when my dad passed and nearly made me miss his funeral. They didn't care. I tried calling them and asking them why, all I got was 'your credit is no longer what it was so we canceled you' like really? you dont say? THAT'S HOW CREDIT AND LIFE IN A PANDEMIC WORKS!!!!! Trued reporting them through the BBB but they are clearly in the bank's pocket, go figure. Stay away from them if you value your money.

I am appalled that a bank that charges such high interest and fees on everything would charge you 1.99 to mail you a bill. and that is added to your balance and compounded.

Our overall experience with Synchrony has been excellent. We both have credit ratings of over 800, but we sometimes use their card to purchase a quickly needed item and simply pay it off over a short amount of time without incurring the finance charges, simply because a smaller payment for a short period of time may fit our budget more conveniently than taking it all out at once from our checking account. We also have an excellent savings account with them that pays a far higher return than the big brick and mortar banks. Our online experience with all our Synchrony accounts have been excellent and seamless to work with.

This has to be the worst bank! My accounts were closed because of an error on their part. I was advised by an agent that my account would be ok as the error was on their part. One week later all 12 of my accounts are closed with not one payment ever being late!! They don’t even deserve one star. Beware!!,,,

DO NOT OPEN UP ANY CARD THAT USES THIS GREEDY ASS COMPANY. I HAVE PAID MY BILLS ON TIME AND EVEN PAID IN FULL. WTF DO THEY DO? THEY CLOSE MY ACCOUNTS AND f*ck UP MY CREDITSCORE FOR NO REASON AT ALL MAKE THAT MAKE SENSE. I WILL BE GOING TO BBB AS WELL.

The worst “bank”. they can’t keep track of Verizon credit card auto pay payments and accuse me of not making a payment even tho my bank sent proof of payment to Synchrony. And they made a random deposit into my account that had nothing to do with me—apparently can’t keep records straight, It takes them months to straighten out their mistakes on my account. You will be sorry if you set up auto pay with Synchrony— nothing but trouble. Cut up your Verizon Signature card like I did and have nothing to do with Synchrony Bank!

Over the past few months, synchrony bank has lowered my available credit on my cards and increased the interest rate. I have never been late on payments. One statement from them was because I haven't been paying on my student loans. The loans are in deferment and have been since the pandemic. They only use Transunion, no other companies. I have experion and check my scores regularly. My score is 10 pomts higher than they say. So, synchronyhy d you suck us in then destroy our credit.

I have had a Chevron card for over 26 years and out of nowhere they closed the account without notice! I called customer service and asked why I was not notified. The response was we don't notify our customers and the account is not reopenable. Followed by you can re apply for a new card! Not only does it effect my credit for them closing a long standing account but now they want me to double down and effect my credit to re-apply! Not to mention the INSANE interest rate.I will NEVER do business with the company again and if you were smart neither should you!

Opened up with Lowe’s credit card with Synchrony Bank last February 2024, paid off the balance twice on time, the month of May 2024-received an email from this bank/lowe’s letting me know that my account was CLOSED?!!!Caused my credit score dipped? Wow this peculiar bank do not like to have accts paid off 100% !!Spoke with customer service, they were no help. I would NEVER apply credit card associated with synchrony bank ever again!!! Thank you so very much for being so inconsiderate!!!So glad my balance is ZERO!!!!

Worst customer support i have ever experienced in my life. they have approved our Business Sam's Club Credit Card but didn't mail for two months, they are now saying they don't have address on file. but i have received few mails from them about account setup and authentication code. customer support person doesn't know the difference between street number vs suite number.