Synchronybank Avis 

Overall, I think Synchrony Bank a little below average - maybe a D+ grade! ! I have had several CDs with then for the last 8 years or so and have about five that mature in 2027, because they offer competitive rates. However, I dislike several things about them:

1) Just to close out a CD that is set to mature, they require you to call, which is ridiculous. But to renew a CD, they allow that to be done online. Customers should be alliwed to renew or close out CDs online. Recently I spent 10 long minutes on the phone talking to a foreigner with terrible English, who talked too fast and was kind of rude to me. Her name was Mary. She sounded Hispanic. They should allow closing out CDs either online, via fax or via email. Other banks do.

2) The automated recording that they have when you call, always tells you to stay on the line after a phone call to complete a survey. After my phone call with Mary, there was no survey offered to me; the phone call just dropped. After a chat session with a very disinterested man of Synchrony Bank was finished a week ago - forgot his name - again no survey was made available to me, even though he told me that one would be after closing out the chat session. I guess Synchrony Bank knows ahead of time that they suck and are afraid to hear in surveys the truth about how awful they really are.

I don't recommend Synchrony Bank to anyone. They should offer regular email and fax communication, because I like things documented, instead of talking to rude foreigners on the phone with terrible English.

Wish I could rate below a 1 one. Last year I kept getting a statement for an unpaid balance that I could prove that had been paid. On 3 different times I called customer service and it was found that the payment was received, however it had been posted to an account with a different address. Still my account but no longer being used. 3 times I was told that the payment could simply be transferred to the account with the balance. It never happened. thus the 3 calls. The balance finally went away after 9 months of calling. Customer Service? What customer service?.

This customer service is bad. I wanted to dispute a charge, I called the phone number and the automated system said it would send me a text to resolve my issue by chat. When I went to the chat it told me to call the number on back of the card. 🤦‍♂️

scam bank. nearly impossible to pay payments. wouldnt let me online. the one time i finally got to talk to an agent, they barely spoke english and had a poor phone connection. ended up having call drop. at this point i dont care. synchrony needs to be investigated.

The worst customer service and credit card company I have ever had to deal with. I purchased two items from Lowes and charged them to my card. Paid the card off. Returned one item and received a refund. Filed a dispute about the other item and won the dispute on June 6 with Synchrony and said I was due a refund. However, the company has refused to issue my refund as of this date. They are claiming the store refunded me for the merchandise which they didn't. I sent them a copy of the bill they had showing the refund was for another item in which I return for a different amount. They are telling me they are checking the store to verify whether the store refund me. I have written to corporate explaining and sending them receipts of what was purchased and what was returned. As of this date July 16, I have not received my refund. This is the 2nd time I have had to deal with the credit department of this credit card. I refused to use their card at Lowes and Amazon. I will not accept a card at Sam's because they use the same company. I have paid them off and I am suggesting people stay clear of the.
In fact, I wouldn't recommend their banking system either because they probably have hired the same type of people all over their financial institutions. I would stay clear of them. They don't even deserve a 0.
Mary Hambrick

If I could give zero stars, I would. This bank is incredibly predatory with how they handle promotional financing. They charged me full interest immediately after the promotional period ended without a single reminder, which feels intentionally designed to catch customers off guard. To make matters worse, their customer service is practically non-existent. When trying to resolve billing errors or unauthorized holds, hold times are endless and the representatives are often unhelpful or rude. They also routinely delay processing payments, which has led to overdraft fees on my personal checking account. Do yourself a favor and avoid any credit card or financing backed by Synchrony.

This is literally the worst financing company I've ever worked with. They make it IMPOSSIBLE to reach a human customer service representative to get any help if you have questions that fall outside of standard billing and payment. I've spent so much time waiting on the phone to finally get hold of a human rep, and for that human rep to be of little to no help.

How does a company like this continue to operate? If your company is looking for a financing partner, STEER CLEAR unless you want to make your customers' lives a living hell.

RED ALERT!!! STAY AWAY!!! They have tanked my credit!! I have 4 cards with them and use to have high lines. Never missed a payment yet they reported to the credit bureau of late payments and that my usage is too high at 90%. Well yes it would be if you decrease my 5k Rooms To Go limit to the balance owed of 2600 and not even 6 months later again to 1900 balance owed. And another PayPal CC 5k to 1300 owed and Amazon was 800 limit down to 290. Oh let's not forget my care credit from 6500.00 to 400.00!! I was never notified not even once. They are definitely predatory lenders and should not be allowed to handle the company's we use so often!!

Accounts Closed When In Good Standing - I have good credit, a few high balances on some cards as I was doing projects on my house. Never been late. Have six Synchrony cards. I failed to use one for a few months and they used that as an excuse to close it. Never been late. Moral of the story is make sure you keep your Synchrony cards active. Don't go a month without a charge or payment if you have balances on other cards. I have had this card for many years, with a company that I buy a lot of products from. Now, I will be buying from their competitor.

Out of all other creditors Synchrony bank is the only one that purposely delays your payment for credit cards. A full payment was overnighted for all 3 of my synchrony cards on 6/30/2026, the tracking shows delivered on 7/1/2026 and as of today 7/15/2026 they have yet to process the payment, my advice would never do business with such a corrupt so called creditor.

I have 3 Synchrony credit cards and pay all monthly. I have never missed a payment. Today I received a notification from credit bureau that they closed my Lowe’s credit card account without any communication. No communication at all!! Shame on them!!

I have, soon to be cancelled, amazon cc that a payment was set up for did not go thru. I called in when I realized it had not gone thru and made the payment on line but spoke with a csr rep 1st to get them to waive the fee and interest charges. was told by rep that the late fee was waived and interest charges would be too. came to check my statement a few days later and fee was waived by interest was not. called and spoke to another csr and supervisor and they would not waive the interest charges. will be cancelling the card and notifying amazon since I am a prime member what happened. I have a number of cards from synchrony but this is the 1st time that I have been outright lied to by a csr rep. very unhappy and will watch these accounts and autopays very carefully from now on on the other cards.

I wanted to check my TJ Maxx credit card bill to see if I need to make a payment. My TJ Maxx card is not lined up with my other synchrony credit cards for some reason and I always access it individually. Now I can't access it at all. It still isn't showing up along with my other synchrony credit cards and I don't know how to pay it. I've called their customer service line, tried to chat live online, nothing works. They say they have representatives who can help you, but they don't. You just wait on hold forever. As soon as I can possibly get a hold of synchrony bank, I will be canceling every single credit card I have with them as they are the worst bank I have ever dealt with!!!

I would give them negative stars if possible I had several cards thru them and one day they just decided to cancel all my cards so I would recommend using someone else they are a joke

The worst bank there has ever been! Nobody likes them all they do is give people high interest rates on everything! Especially for POOR people!!!! Loan sharks!!!!

780 credit score never in my time with them have been late. i really try to pay my cards off monthly and they just closed my amazon,lowes and care credit accounts for high risk? called and talked to some idiot of a mgr and he just kept making no sense why. this took my credit rating down 50 points unbelievable

I have never made a late payment, I have never missed a payment and they reduced my credit line. By doing that it affected my credit rating. I'm not sure why a company would want to treat their good customers that way. Unacceptable
The only card I've ever had in many, many years that has ever done that. Unacceptable

We happened to use CareCredit for my wife’s stem cell injection treatment and opted for the 24 month 0% interest option.

We will definitely pay this off prior to the 24 month end date as not only do they accrue interest at 32.99% APR but they base it on the full amount originally financed EVERY MONTH. We have paid the balance down by several thousand dollars already. If we fail to pay the full amount off by the 24 month end date - they will add almost $3k in accrued interest.

How this practice is legal is beyond me.

BEWARE OF THEM. Predatory lender is a nice term for what they are.

If I could have left 0 stars I would have.
This is probably the absolute worst "bank" to use. I am set up for automatic payments but every single month without fail I get a notification that my payment didn't go through.
I even contacted their customer service and that was a waste of time.
Also, they are no longer taking my debit card for payment, which hasn't changed over the past 6 months, and are now insisting I put in my checking account information.

Avoid this company like the plague.

It is the absolute worst

Big lier bank.Shame on You Synchrony Bank in Philadelphia.You got my privet Information and connected me Out of US.And stoled my privet Information.Shame on Your CEO at Philadelphia. May God bless Synchrony Bank Working with Sam's Club.