Synchronybank Reviews 1,860

Was excellent as GE then took a dive! Pay attention-the no interest if paid in 9 or 12 months (Discount Tire, Care Credit, Matress Firm) will first offer a credit limit very close to the purchase price of your goods. This means the ratio of your use of credit to available credit limit is 80% or so which kills the credit score (should always be below 30% so request a much higher limit when opening the account). Next, Synchrony secretly closes the account once paid. No notice. No opportunity to use card to keep it open. This results in 2 issues: your credit ratio suddenly drops causing the credit score to drop. Then when you return to the dealer or vet, the card doesn't work, "showing expired," and you have to reapply which is another credit hit (hard pulls or opening more than 2 accounts a year really hurt and don't go off the credit report for 4 years). The entire business model screws the consumer. If you're buying a house, a car, or applying for any other credit within the same year, don't use this firm. No interest purchases are only good when the credit rating is 800+ and all payments are on time. Irritating that there is no corporate email to complain to them...since AI shows thousands of pissed off customers made about secretly closed accounts...just another bad greedy bank.

I have about 4 synchrony accounts with synchrony Credit Services. They raise my credit limit then they lower it. Thus lowering my credit score, The reason why your credit score will drop is because when you have a granted $1,200 credit limit and you have a balance of $325 to $350 and you're paying it consistently every month, they decide to lower your credit limit to $500. Then your credit utilization is trashed because of this. If you have accounts with this bank no matter how high your credit limit is only. Please carry the amount of a pack of bubble gum on the account so they cannot close it, And even if they do close it, it's probably a blessing. But also remember whether you voluntary close the account or they close the account. It always is a negative mark on your credit score. If you're reading these reviews, please think twice before getting an account with synchrony.

My Sam's credit is through Synchrony Bank. Synchrony let me know they locked my card on 5/1/26 because a scammer in NJ bought hundred of sushi in 2 restaurants. I live in MD and I hate sushi. I couldn't use my card but Synchrony let these scammers charged hundreds of dollars. My balance was $135 but now is over $400. They didn't like my license picture so I sent copies of license, electric & water bills 10 days ago but haven't been contacted by fraud dept in FL. I've called 3 times. I will retain a lawyer if my account isn't cleared.

DO NOT USE!!!
I should have looked at the reviews.
I needed it for my pet snakes vet bills and all i got was a bad credit score.
I payed on the first of the month but they told me that i had missed a payment.
Since then we have had nothing but problems.
I tried to contact customer service multiple times but its just a robot on the other line and there is no option to try and talk to a live agent who is not on text.
They steal your money and give you a bad credit score. Im serious. Stay away from this!

Synchrony Bank and City Furniture both provide a horrible experience for me. I purchased a TV Stand from city furniture that was going to be financed by synchrony. After having several run in with city furniture about all of (their Illegal Policies)I decided not to complete the purchase of the tv stand and did not accept delivery of the tv stand. City is harassing me to complete the transaction and accept delivery, I said no I changed my mind I don’t want your goods or anything else from you. Well city refused to accept that. So I turned to social media. Synchrony is also refusing to accept that the the transaction was cancelled when I refused to complete the purchase and accept delivery of the item. Synchrony continues to bill me for an item that was never delivered and that I had cancelled. My going to social media has resulted in city insisting that I complete and accept the item as a resolution, as much as 6 phone call a day to force to comply. I am a 70 year old Cancer Patient at Orlando Health. This right here is to much.

Absolutely the worst card on earth, I was basically forced to open in by triple A to pay for my car, their car care credit line, and even though I have been making payments they and am not delinquent they are on my credit report as being in collection. When I call their customer line all they say is oh I don't know why it's showing up that way we can send them a letter, maybe you should call them. Why is it showing up that way in the first place? And then without notification they lower my limit on the card which is also negatively affecting my credit score. Terrible company Terrible practices. As soon as I pay off the balance I am canceling this card.

I looked at my statement today and just realized that they have increased my rate to 39.99%. Yep, you heard that right, forty percent, 40% for a TJMaxx credit card, TJMaxx!!! When I called, the reason for the increase... "inflation, it costs more to do business". The Rep could not tell me what business cost equated to a20% increase, and she could not answer. I will never spend another dime with this creditor! BTW, I have a very good credit score, which is why she didn't cite my credit score as the driving force behind the increase.

What a joke of a company. My credit isn't fantastic, but it's far from bad. I have approximately 20K in unsecured credit in my name, and a lot of it is through Capital One. I had multiple cards with Synchrony, all with high limits - CareCredit (7K), Ashley card (5K), Mattress Firm card (5K), an automobile repair card (2.5K), and a personal normal credit card (2K). Within the span of a month, and with zero warning or insight, Synchrony decided to close EVERY SINGLE line of credit but my mattress firm, and it was dropped to $250. I went from over 15K to $250 for literally no reason. My score didn't drop, and was actually getting better each month. This completely screwed up my credit age, and while it didn't impact utilization as I don't carry balances, this is an abosolute joke. Just go with Capital One - at least they won't just destroy progress you've spent years making. I can't stress enough how comical this company is, and even if I'm offered the best card in the world, if it's through Synchrony, I'll never apply for it. Stay FAR away from these clowns in a trenchcoat cosplaying as a company.

If you are looking for a bank that has easy access to your money and values you as a client Synchrony Bank is probably not a good choice.

Bought a car on Monday and the dealership wanted to be paid by check.
Monday initiated an external transfer to Chase so that I could write a check.
Transaction failed due to daily limit restrictions. Initiated another transaction for the daily limit amount.
On Tuesday the Monday transaction shows deducted from the account so initiated another external transfer for the remaining balance. All looked good – no errors
Wednesday the remaining balance transfer does not appear so call Synchrony – speak to 2 different representatives and advised that until 1 transaction clears you cannot initiate another transaction.
Thursday the initial transaction finally shows up at Chase. A week WOW. Everyone wants to wait a week for the partial amount.

Synchrony…where was my money for 48 hours? Are you floating money? When I do an external transfer from Chase to Synchrony the money is always there the next business day which is what I would expect in 2026 as this is a well-established account on both sides.

Because in good faith I cannot ask the dealership to wait for 2 weeks to take delivery on the vehicle I was forced to have to pay for a wire transfer. Perfect time to also close the account permanently. Issue resolved! The rep could have cared less. Surprised but not surprised. It is not 1930 Synchrony….do better!

As evidenced by the 676 1-star Trustpilot reviews and the 8,700 (that's right, read it again) BBB complaints, it's apparent that Synchrony has a serious customer service problem. Obviously, they don't care. They, in their infinite wisdom, rejected me for a measly credit card, despite the fact that I have an 830 credit score and have paid all of my bills on time and in full for the last 40 years. After reading all of these negative reviews, I guess I should be glad I won't have to deal with them.

Synchrony Bank’s business model feels predatory and unethical. They target people in hospitals and veterinary offices when individuals are under emotional distress and not in a position to fully evaluate the financial terms.

I used their credit for my dog’s cancer surgery. When I later made a $2,000 payment, only about $700 was applied to the balance because of how aggressively interest compounds. That kind of structure is designed to keep people trapped in debt.

After suffering an injury and losing income, I worked out payment arrangements with all my other creditors. Synchrony Bank refused any meaningful assistance and instead chose to escalate to legal action, threatening my limited assets.

It is also unusually difficult to find transparent, accessible reviews about their practices, which raises additional concerns about accountability.

In my experience, this company combines high interest, poor customer support, and aggressive collection tactics in a way that disproportionately harms people already going through difficult situations.
They need a minus -0 review

If I could give zero stars that would be summing up my experience with how they operate as a business. Had a PC Richard & Son Account at $1000 then lowered to $250 and then $0 credit line. Amazon account had $400 then lowered to $100. The Container Store had $2,500 and now notified it’s at $250. This bank should shut down as I was treated like trash. Nothing but crooks and scammers screwing a customer over!

Synchrony bank will not give me any credit line at all. With no explanation. I had a care credit card years ago. Payed in full and cancelled the card . but now will not give me credit there them at all.

Synchrony bank is the worst cc co ever. I have 5 accounts with them. I also have accounts with Discover, which has changed to some other name, Chase Bank and Wells Fargo. This is by far the WORST COMPANY. Especially for customer service or "lack of".
Forteen days ago, had a Lateral Full Hip Replacement and one day late for the first time on Discount Tire card. They refused to give me a break for being one day late. My credit is very good and sometimes is excellent. They suck.
I had an AT HOME cc at one time and i told them about fraudulent charges on my account. They tppk oof the wrong charges and then made me pay them back. I noticed every month they were taking money out of my account. Finally after contacting them for several months, i had to close my account to end them taking my money. It was such a mess and i had no other choice.
I am astonished that they can get away with operating like a criminal would.
I am dropping all accounts after i finish paying off. One is tires at Discount Tires and the other is furniture at Home Zone. Two accounts down and Two to go. I am never dealing with Synchrony ever again~!

This bank is a joke they are more like loan sharks. I paid off 3 accounts with a Bank Check which it guarantees to be good and the cash is available, they cashed the checks on May 7th yet they are telling me that the funds are on hold to credit my account till may 20th to insure the payments are good . These are BANK CHECKS not personnel checks, customer support was of NO HELP and useless. This bank to be shut down or investigated by the Federal Reserve for their unethical practices.

Guys, please stay away from this piece of shit company
I wish I knew that I will be dealing with this bank through Lowes credit card so I would never open credit line through them
They gave me $5000 but took 70 points from my credit score
So they basically destroyed my credit
Please stay away
They will go out of business soon I’m sure

I use them with Lowes and was set up with automatic payments and it did not do it in May, so I have a late fee. I was told they would do a late fee waiver request, so I will see. Secondly, when calling in and asking the automated system to speak with a person it ignores you and keeps talking. Very annoying.

I noticed each time I would try to get into my card account that wrong phone numbers would show. I would get locked out regularly even after contacting customer service. You can never get a live person and end up having to send a message, then wait for days. I ended up turning them in a few times to the government, after which my number was not changed again until the last time. I tried to sign in and a message came in that I needed to sign up for a new sign in. They wanted a live picture and an ID to set up and account, then locked me out when I would not provide this to them. I'm still locked out of everything. Then sometime later, they locked me out of my store account. If you look up your interest rates for this bank, how much is it? If you do not know, you better look. Mine was towards 35 percent and my credit line kept lowering for no reason. I had a FICO on all 3 companies in the mid 700 range, paid on time, never late, etc. Please do not take a loan or card out with this company. If you want to shop with a store, use your major credit card that has buyer protection, in case you need to return something that they won't let you return. I was told these banks are doing this to people that are Christians and vote red. There's a list out there they keep. That would make sense. Why would someone attack my family when nobody knows us?

This is the most deceitful business experience I've ever had.

I set up an account for an emergency vet bill under their "promotional 0% interest" credit card.

If the loan was paid off in full by 12 months, there would be no interest.

What they didn't tell me, is that in the fine print there were some monthly fees (equivalent to interest), so when I set up the amount to pay off by 12 months, it was a little short. So I only owed a couple hundred dollars (the result of the small monthly "fees", aka interest) on a $3,000 loan... then they dinged me for $800 in interest from the beginning of the loan.

They send you monthly emails, but they only have how much you pay and the remaining balance (the bare minimum of information). So if you want to see those fees, you have to actually log in to your account on their website every month.

When I called them to try to figure out a fair solution, they were very rude and said that everything was laid out for me in the legal documentation that they provided at the beginning.

STAY AWAY!!! Don't use them for anything, and if you're absolutely forced to, make sure that you factor in their fees when setting up a monthly payment plan!

I purchased an item using the Amazon Credit Card with a no-interest monthly payment plan, which can only be paid through Synchrony Bank. Even though I selected the installment payment option, Synchrony Bank sent me an email saying they are going to charge me the full amount instead of the no-interest monthly payments.

I tried contacting a representative at Synchrony, but the automated system does everything possible to prevent you from speaking with a real person. After I clearly said that I needed to talk to someone, the system told me it would connect me with a representative, but instead it sent me through two more automated recordings with the same options I had already selected. In total, it made me listen to three separate recordings just to request speaking with a human being.

After finally waiting and getting connected, they asked for my full name and then hung up on me.

The Amazon Credit Card is terrible because it forces you to make payments only through Synchrony Bank. I will cancel my Amazon account as soon as possible, and I will never connect another card to Synchrony Bank again. You should do the same.