I have never used it. to maintain accurate information. The Synchrony HOME Credit Card could be a big help if you need to finance large purchases across several different home goods stores or service providers. Offered exclusively to Verizon Wireless customers, the Verizon Visa Rewards card is an excellent no-annual-fee card option for those who have their cell phone through Verizon Wireless. Synchrony is NOT a waste of time.you are incorrect. Thats a joke! This perk alone could be hugely beneficial if you plan to stay with Verizon long term, as youll save $60-$120 each year. Cash back is automatically redeemed within one to two billing cycles. I paid on time more than a minimum payment each month. If youre not paying off your card completely (which you really should be!) Get help and support for all things Synchrony. Ive called about 10 times or more, no one seems to care. . The Synchrony Home Credit Card customer service number is (866) 396-8254. The information, including card rates and fees, presented in the review is accurate as of the date of the review. This means that unless you frequently make smaller purchases with the Synchrony HOME cards partner retailers, the card is unlikely to offer much rewards value in the long run. I had several cards with them since 2014 and always paid them off and on time. I paid Rooms To Go off early in 24 months and Ashley Furniture off early in 10 months this year. Well, I didnt realize that I would basically be adding a maxed out 12k credit card to my credit score. The Belk Rewards card earns 1 point per dollar at Belk and allows returns without a receipt. 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. I have experienced this myself. They waited until the balance was less than half of the opening limit and then cut my limit in half. Statement credits will be issued within 1-2 billing cycles after qualifying purchase is made. 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. What reason would you keep a credit card with a 200 dollar credit limit. Damage to credit score Will be paying off and closing all accounts with Synchrony bank. I need to get to the bottom of this immediately. The problem on my credit was with Discover and had nothing to do with Synchrony. My opinion is that there is collusion going on between the two entities. Ive had the card for almost a year, so its really strange that two other cards have raised my credit limit to $2000. You may be able to add a user in your online card account or by calling the same number. Sold to a second company was charged off and they still want the full amount, which is all interest. NOOOO WAAAYYYY!!! Im rebuilding my credit and this article was very helpful! The LL store actually pushed the card on me when they were having specials. They didnt want to close the card that had a balance in fear that you would stop paying it all together. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. All you have to do is go online to find reviews about how shady synchrony is. But before this, she requests for the entire amount to be refunded through PayPal. They sold my refrigerator and Stove to another customer and it was the last of each of them. I have never been late. When I called I was told the account had been closed 3 days prior. Synchrony Premier World Mastercard. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. I warned her there are laws against this. My daughter paid her balance off on two of her cards and then they closed her accounts. Hi Joanne. I initially was approved for $300 and without warning, they dropped my credit limit to $150. Their website is only half functional. If they are mad about me being late on my payment, dont they think it should be Sams Club card that they should close? Had a QVC I got for payments on a computer. Youll also have $0 liability for unauthorized charges, the ability to request a credit limit increase and a mobile app that lets you check your balance, pay your bill and find participating retailers and deals. Yes, I too had a couple of their cards canceled once (JC Penney, Chevron), however, that was due to inactivity. The catch is that you wont earn any cash back on purchases over $299. The information, including card rates and fees, presented in the review is accurate as of the date of the review. I have paid all my cards on time and they still closed some of my accounts and dropped the credit amount. Like many, he started this journey searching for cheap flights to take him around the world. I have several cards and I have never had a problem paying on them each month. My Walmart account they sold to Capitol One. Mind you both payments were for the same exact date. I did some research on this topic because I had heard there was a change as well. I had the same issue with my amazon card Any info would help.. my email is [emailprotected]. 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. And, no, they do not close accounts willy nilly. Can I use my Visa to pay my bill? Am I forced to contact my attorney? The information regarding the Cathay Pacific Airways Visa was independently collected by Upgraded Points and not provided nor reviewed by the issuer. They said I had too many cards with high balances. Manage multiple promotional financing offers with a single card. Call. On the Amazon card they have the 6 month 0% APR for purchases over $100. 36 Months Financing. Select Synchrony HOME locations may offer longer term promotional financing offer ranging from 12 to 60 months on qualifying purchases. Synchrony lists its branch address as 200 Crossing Blvd, Suite 101, Bridgewater, NJ 08807. 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. Synchrony bank cannot be reached. By Synchrony Bank closing the card it will put a bad mark on your Credit Score. I am so disappointed. Monday - Sunday 7:30 am to 12:00 midnight EST. Oh and btwThey had the audacity to ask me if I wanted to keep my Amazon Prime??? The lower, the better! In fact they just raised my credit limits 2 weeks ago! ARE YOU KIDDING??? They and Wells Fargo are sheisty. Explore just some of the specials and discounts offered by Synchrony partners nationwide . These introductory offers do not use deferred interest, so you are only be charged interest on your remaining balance if you arent able to pay it off your charges in full by the end of the promotional period. Within the month, Synchrony dropped my QVC card limit from 2000 to 100, plus dropped my 2 other cards to the limit I already was at, reducing over 3000 of my credit leaving me with absolutely no credit with them except what was owed (even though I pay Synchrony early and double the minimum). This company will cancel your card or lower your credit limit even if you pay your bill on time, pay extra each payment, or pay it off every month! This happened in November. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Dont waste your time! Get help and support for all things Synchrony. They will close your account for no good reason even with perfect payment records. They have been doing it for YEARS! Im sure your one of their CSRs. What kinds of credit cards does Synchrony issue? If this credit score is still too much of a leap for you, consider starting with a secured credit card. I had my account compromised. 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. Always paid in full with auto pay. While you might not hear of Synchrony as often as Chase, Citi, or American Express, they provide over 100 credit card options to consumers. See the online credit card applications for details about the terms and conditions of an offer. All used in the last 6 months, all had a low balance around 4%, all paid on time. Synchrony Car Care Credit Card. I never ever paid them late and always paid them before the payment due dates. One card. Besides look at the ratings on a percentage 82% are complaints. These fuel credits must be redeemed at Chevron or Texaco gas stations. (There are also many credit cards with 0% interest rates for up to 18 months if thats something youre specifically looking for in a card.). This has got to be one of the most dishonest banks ever. They up and closed my Sams club card years ago. Truly a great bank that gave me a chance and helped me grow my credit. Its not if you miss a payment, they are lowering credit amounts and closing a counts that are in good standing and selling off others. Thats not true they closed my accounts and I paid on time it is in the fine print. Generous cash back rate on home goods and services purchases. Ive maxed out, paid off, maxed out, paid off over the years 100% repay history. This site does not include all credit card companies or all available credit card offers that are on the market. * From national retailers to local merchants, Synchrony helps you plan your purchases and manage your payments in major categories, including: Find promotional financing on routine maintenance and unexpected repairs for your car, truck or RV. 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. We paid it off 6 months early and found out it was a store credit card though theres no physical card. I make all my payment on time and I could not be happier with this bank and their service. My score after bankruptcy went from 495 to 727 in 4 yrs, I am grateful. I kept my payments current and even paid off large balances early but that made no difference. My 2 other cards only add up to $3-3500. Synchrony Bank issues more credit cards. Or maybe, they just dont care. Its been 2 months and Ive since paid off 90% of the credit utilized, and was in the process of making the final payment to zero out my balance-but this thread has me scared to do so! Oh you are so full of it! I have also learned that most accounts through Synchrony are the same. 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. My choice and my choice alone! They also have a Financing Card, I forget its details. It cannot be combined with discount offers. Both cards earn 5X points per dollar at T.J. Maxx, Marshalls, HomeGoods, and Sierra Trading Post stores, while the Mastercard also earns 1X points per dollar on purchases at other merchants. Everything being said pertaining to this company is trueDO NOT ever get any of the cards affiliated with this bank they are the worst ever. You have choices when it comes to paying for your purchases. I busted my butt to always pay Synchrony and they screwed me over big time. Anyone ever try emailing the ceo of synchrony[emailprotected]. Sun: 11 AM-7:30 PM EST, Ask your customers if they already have a, Make sure your information is correct in the. I always paid JC Penny off at the end of every month and sometimes it went for months without being used and a zero balance for months. Find promotional financing on furniture that shows off your style. However, if your card has a Visa or MasterCard logo and an expiration date, it can be used almost anywhere. Found out I am paid off with a credit. A credit score is lowered when you have too much available credit so Synchrony lowers your credit limit to make you max out the card which now lowers your credit score. Keep your yard looking good with promotional financing for riding lawn mowers, snow blowers and other outdoor power equipment. However, all credit card information is presented without warranty. This is a horrible greedy company, they do not employ Americans unless is it at Corporate level. I have a perfect pay history and have many Synchrony cards since 2015. The Cathay Pacific Visa is your best bet for a travel rewards card from Synchrony. I would tell everyone in the USA not to apply for any cards from synchrony bank it is the worst company. That is horribly wrong and a very bad practice. I repeat DO NOT apply for any card that is affiliated with this bank!! When you click Submit, you will be signed into Mover Hub by Synchrony HOME and given access to gated content. They closed all my cards except for the one with the highest interest rate. Everything for your home from floors to dcor. Traditional cash back cards dont usually limit on the amount of cash back you can earn in this way. With Fedex documentation they should be receptive to your inquiry and validate that the item was returned. Dawn, I agree with you a class action lawsuit. The customer service rep told me that because my account has been closed, it will affect my credit score. I am curious as to why they may have closed your accounts as well. Any credit card issuer will do that! I hope we continue this relationship. Ive experienced this as well and lost over 100 points since they bought PayPal, and have two credit cards with them for playing with my credit limits! they immediately dropped my limit from 3000 down to 200 causing my usage to blow up to 90 percent and a hit to my credit score. I started with a Fred Meyer synchrony card for jewelry, and then a purchase at Mattress Firm, They have INCREASED my credit limit. They closed my Ashley for a missed payment of 3 days. Youre exactly right. I have had synchrony bank for other accounts and all paid for with no issues . I agree with everyone else. When I ask them when why they had not delivered them, they said they had not arrived yet. Synchrony (NYSE: SYF) is a premier consumer financial services company delivering one of the industry's most complete digitally-enabled product suites. You are sooo right! The salesperson I dealt with went on vacation and handed it to someone else and then she went on vacation and handed it to somebody else. My trouble started with Synchrony Bank as soon as I bought my home. Big mistake, they screwed me over and ruined my credit by destroying my balance to credit ratio lowering my credit by over 130pts! My $200 was 90% to November expiration. Whether you're planning a big renovation or a modest remodel, two key early steps involve money and planning. Learn more at SynchronyBusiness.com, Mon-Sat: 8 AM-10 PM EST This is the second time that they have done this to me and I have a 100% payment history. Its a scam. By boosting your score, youll have a much stronger chance of applying for more premium (and rewarding) cards. Synchrony is a crap company as I had credit limits reduced even though they were paid off. The information regarding the CareCredit Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. How can I make a payment on my Westrich Furniture & Appliances Synchrony Home Credit Card? Pay by Phone: Contact Synchrony Bank Customer Service 1-866-396-8254 during the hours listed below to make a payment by phone. Horrible bank to work with. The Chevron and Texaco Visa cards earn 3 cents per gallon in fuel credits on purchases with Chevron and Texaco. Keep an eye on your inboxwell be sending over your first message soon. Everyone seems to have similar complaints. A popular choose your own bonus category rewards card, the Bank of America Customized Cash Rewards credit card offers 3% cash back in a category of your choice and 2% cash back on grocery store and wholesale club purchases (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases, then 1%).