Synchrony Bank (Formerly GE Capital Retail Bank)

Do not get any credit cards from stores issued by Synchrony Bank. Biggest name stores that issue cards from Synchrony are WalMart, Amazon, JC Penny and many more. I will never spend a penny in any of these stores or any other business associated with Synchrony. They reduced my credit limit to next to nothing for no valid reason. The letter they sent me with reasons was completely untrue!!!! Over the last year my credit score has steadily increased along with other positive changes that affect credit scores. I have never had late or past due payments and I almost always pay my balances in full. I would close my accounts but that will only hurt my score more. So instead I will not shop certain places and I will continue to tell everyone I can, every chance I get what was done to me. I will use word of mouth, social media, blogging, whatever I can to spread the word!!!!!!!!!!! I guess they didn't make any money in interest, late fees and over the limit fees so they sabataged me by reducing my credit limit. So if you take your credit seriously and use your credit responsibly; you will be punished by Synchrony!!!!!!!!!!!!!!!

This bank offers a credit card through Lowes Home improvement. In the time I have had this card I have been charged late fees for paying my balance too early (yes I wrote that correctly, they send the bill on the 8th you pay it on the 9th but they do not let you know the cycle starts the 15nth) this has affected my credit score, they are difficult to impossible to gain resolution from, this company frequently without notice or concern for their customers changes credit limits for unjustified reasons and worst of all they have no human operators to speak with. I would recommend looking at capital one cards before even considering this company. Cap 1 offers 5% back everywhere not just Lowes. Lowes Home Improvement is a great store, their choice of creditor for cards could not be worse.

They advertised and grant this credit for medical use, but then make it difficult to pay and get medical tax advantages. Synchrony will no longer take health savings account debit card as form of payment. This credit from Synchrony was taken out as advertised and used for medical reasons. I lose my medical tax advantage if I do not use my health savings account to pay. Synchrony says I can go to the health saving account holder and see if they will issue a check from my account to pay, but that requires me to go to the back every time I want to make a payment, and that is if my health savings account holder will even issue a check from my health savings account. This was not an issue when they were GE Capitol.

What a complete scam! I have the Care Credit Credit card and used it for a 24 month promotion to pay for my son's braces. No interest if paid within 24 months. Sounds great right? WRONG! What they fail to do is spread out the payments evenly over the 24 months. If you have a previous balance they pay that down first. They do not charge you enough each month to cover the promotion. So at the end you are left with one BIG FAT PAYMENT. It must be paid by the due date or you are charged interest on the entire purchase ($1,500 in interest in my case).
What poor business practices they use. Bunch of scam artists.

My cards TJMaxx , walmart etc were changed to Synchrony Bank. Was not behind on payments never late and they lowered my accounts to balance owed. Unbelievable. I called and ask why and was told it was a across the board decrease. What does that mean. All the time I've paid on time and never went over now I'm worthless. They stink..
The economy is supposed to be moving forward how when you get your credit limit decreased what a joke.

I have had the absolute worse experience with synchrony financial/carecredit. You HAVE to pay on the phone, and they have the WORST automated system I have ever experience in my life. 30 minutes on teo different occasions trying to just pay my bill. And then when I give up in frustration I get a $35 late fee tacked on for 1 day late bc I couldnt get the automated system to work! And the best part by far is that they want to charge you $10 to talk to a real person to pay! I cannot emphasize how strongly I recommend ANY other company than care credit and synchrony financial. Writing this literally makes my bloodpressure go up bc it is so insanely difficult dealing w this company - mainly bc there is absolutley nothing convenient about it, they want you to pay that late fee and they want it to be a pain in the [redacted].

Like many other reviews - I had purchased a mattress with a promotion of 0% financing. The promo was not worth it - the customer service, the charges, the entire experience...use another card... use another bank... use cash... Never again with this bank.

I used this card back in 2009 and was $115 away from paying it off to defer the interest. When I called them to process the final payment prior to the promotional period ending, they somehow were unable to process it. Here is is 2015 and I am still paying on this bill. I am not sure what happened in the interim but now my balance is over $800 with only $30.00 in interest? This balance was paid off years ago and if anything it was interest only!!! I am beyond livid and not one person has been able to assist me.

I have had zero late or missed payments on the credit cards I have with this bank. I received a letter a few weeks ago that one of my cards with a $3300 limit was being reduced to $100 or whatever my current balance was. Just got another one today saying an account with zero balance has been closed. I had these cards to rebuild my credit and have been very diligent in paying them on tike or paying them off completely. Now my bureau is going to show a maxed out card and a card closed by the credit grantor. There should be no way that this bank can do this based on their "random review". They are negatively impacting my credit with no cause and should be liable for that action. If I can figure a way to sue them I will. Such BS. I am sure the other 2 cards I have from them will be cancelled soon as well adding further negative impact on my credit. Guess I better go run the balances up.

No Honesty, They do whatever they want and hide behind form letters. No e-mails or phone calls will sway them.

Have been unable to speak with a real person. Electronic phone voice asks - " to speak to an agent , say agent", yet it will NOT let you do it. What gives ? Are they hiding something ? Bought tires 2 months ago and can't get a statement in the mail telling me when or how much is my monthly payment. Hope they are not dragging their feet to let time go by, then I'll be late with my 1st payment so they'll charge me a late fee. I know some people that have had that happen to them.

When I set up an account with Synchrony Bank to buy furniture through Ashley Furniture I took a promo deal where the 1000 credit line was interest free for 2 years. I was told directly over the phone that as long as I didn't miss a payment that the account would be payed off in the 2 years and no interest would be tacked on. Well I am active duty military so my travels have limited me non accessible to internet or receiving bills directly several times. I set up auto billing so I didn't miss a payment and I even set in up to pay 10 dollars over the minimum. Well 2 months prior to paying it off I got dropped 600 dollars of differed interest because it wasn't payed by the promo expiration date and when I called to find out what happen here is what I was told "If you would've read your statements more carefully then you would've noticed a small section that talked about if you didn't not make X amount more than the minimum then it would not be payed off by the promo exp date, and there was nothing they could do" It sickens me that credit unions such as this one care so little about people that they would say anything to someone to take a deal and turn around and throw fine print where no one expects it.

This is the worst company I have ever dealt with. I have two credit cards that used this company to receive payments. With both cards I received a message from them, after the due date,stating "We have received a notification from your bank and are currently unable to process your electronic payment in the amount of $ 74.51. The payment was returned by your bank due to the account couldn't be located" This is the only company that can't seem to get the money from my bank. I wonder why. Every other bill I pay on line has no problem at all I am cancelling one credit card (I took it out to get a discount for Christmas and really didn't care for the store) and I may cancel this one. If the department store can't hire someone reliable then I don't need to do business with them. And the amounts due were small!!!! This used to be GE and I had trouble with them on an account so I also paid out and cancelled.

My Chase BP credit card became a Synchrony Bank card. I was informed today that my APR increased from 12.24% to 26.99%. I can't even image using a card with that APR. No reason given. Customer service completely clueless - some nonsense about no real impact. This company is just trying to steal from people who can't afford to pay their balance off monthly. Terrible bank!!

I opened a Belk and JC Penny's account back in the spring. I have used the JC Penny card but was going to use the Belk card to do some Christmas shopping. I've had a care credit card for about 4 years. They raised my credit limits on the Care Credit card and my JC Penny card and I just received a letter in the mail that they closed my Belk card due to my credit report being derogatory. I just paid off the rest of my balance of my JC Penny card today so I'm wondering based upon all the horrible reviews of this company if that one will be next. If that happens, I guess they can just suck up the balance on my care credit card or I will just file bankruptcy on it because all they are doing to people it seems is giving them credit then taking it away causing their credit scores to be lower. That's very sad and they should be ashamed of themselves. I cannot believe they have an A+ here and on every other website they can't even make 2 out of 5 stars on their ratings. smh

Worst customer service ever! Always claim payments are late when they're mailed in plenty of time! When challenging them by phone they hang up on you and are super rude when you call back.

My Sam's Club card was hacked and the account is owned by Synchrony Bank. They have been impossible to deal with. They do not listen and keep telling me to do things I have already done to resolve the issue. They won't remove the charges as disputed from my account so I can use my card during the investigation. They have been rude and condescending on the phone. They won't send me a copy of the charges and now they have locked my online access to my Sam's account.

GE Capital Retail Bank has the worst customer service of any credit card company I have ever dealt with, but that is not why they deserve the worst review. I had a Toys R US credit card for over 13 years with a 300 dollar credit limit. Only used it around Christmas and occasional birthdays. Never once in 12 years was I late. When we moved into a new house in December, our statement was misplaced and caused me to be 4 days late. GE called me 8 times on a Sunday afternoon and was rude with me on the phone when I explained the check was in the mail. They then sent me a letter reducing my already pathetic little credit limit. I don't need the card I only used it for discount purposes at Toys R US, but I will never shop at that store again even though they are not GE, they should not use a company like that. No Wonder they are going bankrupt.

Synchrony Bank took over Paypal's buyer credit. This credit was nice since it gave you added protection on Ebay and other sites.
Now that Synchrony has that side of Paypal, you can never pay your bill online, even though there is a link back to Synchrony bank. So you end up having to track a phone number to this bank.
You call the bank and they want an account number, which none of us every had as it was through our Paypal account.
If you can finally get to the right place to pay your bill, you have to fight for them not to charge you $15 for paying by phone even though their online interface has been down for 3 months now.
I forgot to mention you don't get a paper statement as this was all handled online by Paypal for years.
Currently I have read over 800 complaints posted online from people trying to pay their NOW Synchrony Paypal Buyer Credit Bill.
I am probably more upset as my hearing is bad, and trying to navigate through their phone system, and then hear the person on the other end is a nightmare.
I was going to contact the Attorney General of the state they are headquartered in, but can't lock them down to one state.

II received my credit card fromwalmart in11/2 andIwant know the payment due and theminimummonthy payment calculationk