If you're a boomer who never uses them for anything online, or only uses well-recognized names, they're great. If you use online services like Steam, Grubhub, or anything similar - they will fraud flag small online charges every two or three transactions, culminating in the need to go through a restrictive and cumbersome biometric verification - and/or waiting for an in-person letter for several weeks, or both - before letting you use your card again. But large in-person transactions will go through consistently, no matter how weird or wild. In other words, they're adopting the worst strategy possible to protect your money and the best possible strategy for them to make money. Their support staff also barely speaks english. If you escalate to a manager, you get someone who understands you, but also is reading from a script and doesn't know how the system actually works. If you want a card that's useful for in-person purchases, if you want a card for emergencies, if you want a card to book flights or buy furniture, this is the card for you. Don't rely on it beyond that though, because you will get screwed over by the moronic fraud flagging. read more

On a SYNCHRONY BANK Car Care account for America's Tire, I paid my full balance of $594.16 on April 26, 2026, and asked Synchrony to close the account. Synchrony still charged me $3.00 of trailing (residual) interest on May 22. I paid this in full and they assured me that my account was now closed on May 28. On June 21, they charged me another $5.00, which I promptly paid. I then asked Synchrony on the phone how I could get them to close the account and stop charging me interest, and all they would tell me was to check for more money due later. I asked how much I could pay that day to close everything: they wouldn't tell me. I asked if I could pay a larger amount--such as $20--to ensure closure, and they could keep the change later; they said that they could not accept more than was currently due (such as the $5.00 for June). On July 22, they charged me another $7.00, which I paid on July 31. Notice how the amount owed is increasing by $2 per month--from $3 to $5 to $7--even though I have paid each month on time. I just talked to them on the phone again (on August 4), and they instructed me that--even though the $7.00 for July 22 is not due until August 14--and I paid it in full on July 31--I "might" still owe additional money again at the end of August. When are government banking regulators going to SHUT DOWN THIS ABUSIVE BANK? read more

Predatory credit card that doesn't notify you if you miss a payment and instead chooses to charge you exorbitant interest. DO NOT USE THEM

I wish that I could give zero stars. Here is the story how this bank and Sam's Club are AWFUL and ultimately crooks. My mother had a credit card with Sam's Club and that is ran through Synchrony Bank. She has cancelled her membership with Sam's Club and cancelled her credit card with Sam's Club FIVE TIMES in the last year! Sam's Club keeps charging a membership fee and charging the membership fee to the cancelled credit card, that transaction apparently opens the credit card back up. The bank continues to say that it's Sam's Clubs fault for charging the membership fee. And Sam's Club keeps saying it's the banks fault for all of it. Never use this bank for anything! They charge these fees even after your cards are cancelled to make sure the card is opened back up and accrues interest so they can get more money out of you without you realizing. read more

Terrible! I had a credit Gardner White credit card loan with them. I paid the balance and they still sent me a bill for interest. I paid it 13 days before due and they still charged me interest. I do not recommend this bank to anyone!!! read more

Never get a credit account with this bank! Super shady and underhanded business. Will raise interest, lower available credit, and close account for NO reason whatsoever! read more

I had some rough times and I asked them if they can move a payment behind and I was never late for a payment at that point and they told me no that they will not help me and they have just been upright rude and don't care about nobody but the money they get read more

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! read more

Hmmm...I have several pay later loans through synchrony for Amazon. I ahev auto pay set up for each one. Almost every payment, I get "your payment is late" badgering phone calls, emails and texts...IT IS ON AUTOPAY YOU MORONS!!!! How is it my fault that you aren't taking the payments timely?? This past payment was due on November 1. I get notices on Nov. 2 and 3 saying the payment is past due. Look at my bank and the payment is processing. Suddenly, on Nov. 4, the payment is showing paid on November 1, AFTER YOU REPORT IT AS LATE!!! Never, EVER, doing any business with them again. This is outright fraud!!!! read more

Synchrony Bank - AUTOPAY ON...BUT YOU TAKE THE PAYMENT LATE AND SAY THE PAYMENT IS PAST DUE!!!!! - Banks & Credit Unions Near Me - Draper, Utah

this place is ridiculous, I have 3 Lowes cards through them. 1st, if you call in, you MUST listen to your account information, which is NEVER why I call in. 2nd, you have to navigate past the bot. Everything the bot can do, can be done online, so always, a live person is needed. Horrible system, no one is there! 3rd, once you get to a person, they see it as a marketing opportunity, touting the discount at Lowes, etc, wasting even more of my time. If not for the 5% card discount, I would trash these cards immediately. And that is only if you get past the accent, I could not understand even one word, so I just talked and hope for the best. read more

Synchrony Car Care card (originally great, and then...) Ripoff artists and lairs of the worst kind. We made the final payment, waited several days, then closed the account. They recorded that we had a dispute with them. We didn't. Our bank made an electronic payment, Synchrony accepted it. They tried to take the money twice (credited two payments on the statement), and then said that it was two failed payments. Then came the late fees, emails, phone calls, etc. All over a final payment of under $29. So we argued and argued with them on the phone, trying to get a straight answer. No one could give one. Then we asked, so how much to pay to just shut them up and end it all (maybe $200-$300?) TIME is valuable. They wouldn't say, opened another dispute (WTH?), which we didn't ask for. Now there's no way to look at the account. All because we think they're liars due to getting a different explanation every time we called to discuss what happened (four different agents on the phone in India). Go figure. We had to spend $7.00 to fax paperwork to prove that our credit union paid them. Now they say we have to wait up to 60 days for their decision on whether we owe them anything. Synchrony is currently in a class action lawsuit due to lying about amounts owed and for unfairly ruining peoples' credit. I hope they lose and have to close. Perhaps have customer support stateside, and hire people who actually know how to do things legally (should be able to afford it with the super high interest they charge). read more

DO NOT USE SYNCHRONY BANK,they tried ripping me off.Holding check's and lying about it.They kidnapped my pay off check,then tried to cash it after already getting paid from another check paid thru Gardner White.Like mob style,bastards good thing I was smart enough to stop payment on check before issuing another check!!Someones gonna rot in hell for eternity for doing human's like that! read more

They have turned into a predatory credit card company. DO NOT USE! They will go out of their way to charge you fees, on intrest free charges. read more

NEGATIVE -10 I was charged after closing my PAYPAL SYNCHRONY account. I was told that since my account was closed they SYNCHRONY issued a new card and made a charge to that new card. THIS ALL HAPPENED THRU PAYPAL. I told them I never used that card and cut it up when it was received. First I owed $9.99, next notice i owed $21.00 then I was told to pay $7.99 . I was on the phone to them for over 1 hour while being transfered to 5 different people. I had it verified with PAYPAL THAT MY ACCOUNT WITH THEM WAS PAID IN FULL AT THE TIME I CLOSED IT. They are still harrassing me with email statements. I simply told them I would not pay for something I did not charge and they keep adding interest on interest. Isn't this illegal. I believe I will check with the Atty. Generals office for California law regarding this kind of behavior. read more

Synchrony Bank is wrecking people's credit scores for no reason. I've never been late, never missed a payment, and yet they keep slashing my credit limit over and over. No warning. No explanation. Just boom your score drops. And when I pay my bill? It takes 2-4 weeks for the balance to become available again. What is that!? I called and they gave me the most ridiculous answers I've ever heard: "It takes time to clear" (even though the payment cleared two weeks ago) and "we randomly hold amounts." That's not policy that's just a scam. I'm fed up. I've filed with the CFPB and I encourage others to do the same. Synchrony is dangerous to your credit health. read more

This is not a complaint against customer service workers at this institution. This complaint is directed at the leadership at synchrony, including Bryan and everyone who works with him at that level (see their website for leadership). Their entire policy decisions are motivated by a for profit lending model. Their target audience is low income bad credit ppl, who have *literally no other alternative.* they market this lending as financially equitable "blah blah blah", so while it appears beneficial, it relies on exorbitant interest rates (mine was 32%) making it IMPOSSIBLE for the majority of consumers to meaningfully reduce their balances, and they will likely never be able to. This is a for profit institution. Simply, if they decreased their interest rates substantially to a more equitable/ reasonable level, they would still be making *substantial profits*. Which raises the question of, "is this greed?" "Do these policy makers know that their policies underlying motivation is *greed*". This goes well beyond "maximizing returns," this is essentially extortion and exploitation. And people should be aware of this. Do not use this bank for healthcare for u OR UR PET. It is a trap. And their policies are to extract as much money from working class ppl as possible. It's despicable. CareCredit Sincerely, A disgusted consumer PS: no one is asking yall to be a non profit organization , we're asking yall to not be greedy POS, a simple human concept. read more

Meineke & Synchrony Bank: A Duo of Disappointment (NEGATIVE 10 Stars!) PSA: Never go to Meineke and DO NOT use the Synchrony Bank Credit Card (CareCredit is one of their products). Synchrony is a nightmare to deal with. #askmehowIknow If you're looking for a place to be ignored, gaslit, and fleeced of over $5,700 for repairs that didn't fix your car but made things worse, Meineke is your one-stop shop. And when you dare to question that outrageous bill, Synchrony Bank delivers a masterclass in corporate indifference. The Horror Story: I opened a Synchrony‑issued Meineke Card to save on a $$$$ repair (or so I thought)--only to discover they "diagnosed" issues that weren't there, left off bolts to the brakes (scary as hell!), and cost me hours of work and travel to be told "we can't find the issue." I had to go elsewhere to fix their mistake, racking up more bills and frustration. Corporate Ghosting: Synchrony denied my appeal with a templated "no," promised a manager call that never came, and shrugged when I followed up. Synchrony's reps were no better: robocalls, form letters claiming "we're looking into it," and radio silence. Try getting through to a real human on a dispute? It's impossible. Chase vs. Synchrony: I used a Chase Disney Card for my second repair. Six months later, Chase refunded every penny and followed up. Synchrony? Crickets. If you want bad customer service, endless runarounds, and zero accountability, Synchrony is your jam. CareCredit Flashbacks: I've used CareCredit before--another Synchrony product--and thought it was bad. This Meineke/Synchrony Credit Card takes it to a new level of absurdity. TL;DR: Banged my head against the wall to resolve issue #1 with Synchrony & Meineke. Got a 100% refund from Chase on issue #2. We are prepping for Small Claims Court because of Synchrony's stonewall tactics. My advice: Do not use Synchrony Bank for any merchant services or credit cards--personally or professionally. If I could give a NEGATIVE 10 stars, I would. Hours of my life wasted. Still haven't spoken to a real person. Unbelievable. (And yes, I have the receipts.) Save your money, your sanity, and your vehicle--go literally anywhere else. read more

Horrible bank, closed my account based on factors that had nothing todo with my account with them. I had their credit card for over 3 years, never missed a payment, never maxed it out. My relationship was always good on my end, customer service is garbage. Stay away they will hurt your credit more than help read more

i paid the balance of my synchrony account amounting to $6,000.00 and synchrony took the money out twice! for the last six weeks i have been trying to get my money refunded. i was told 1) that's a lot of money and can only be sent by check? and i would have to wait but would be sent within a week - that was three weeks ago. 2) but they can take it out of my account within minutes electronically. do not do business with this institution. find a more bank with integrity and honesty read more

Predatory and dishonest - never again I paid my full balance early -- not once, but twice -- and Synchrony still charged me interest. Then they took days to process my payment, causing "residual" interest to hit anyway. Even worse, when I overpaid by $500, they refused to apply it correctly or refund me quickly. Customer service gave me contradictory answers, wasted my time, and refused to take responsibility. I'm disabled and on a fixed income. I've always paid on time -- they made plenty off me. Now they're squeezing me for a few more dollars like vampires. read more

DO NOT GET USE ANY Synchrony Bank credit cards. They are steeped in predatory lender practices. I paid off my MasterCard balance in full before the due date. Therefore I regarded that bill paid in full with zero balance. However, they started calling me incessantly to pay an additional $6.37 with threat of added late fee. I assured them that was incorrect because I had already paid the balance in full. When I called customer service to have this charge removed and they informed me that they could/would not dismiss or remove this charge and that this was interest which had accrued since the last bill. This is ludicrous!!! I complained to regular customer service agent and escalated to collections manager. I discoursed the injustice, bad consumer service, and the bad faith with which they operated in and practices. I was over an hour trying to get remedied. however to NO AVAIL. They said this was in the terms of agreement when I signed up as they said this was added in 2024 revision of terms. Interestingly, there were no disclaimers, no emails informing me of pending/additional charges after I paid off the balance on my account and nothing online by payment options too address the egreious natue of these charges. It's not the money, it's the principle. I'm a senior on fixed income and I can't pay these games . read more

I have a Sam's Club credit card. These people keep turning off my auto pay and then charging me $40 for a late fee. They also say that they won't take it off so I have to still check to make sure they didn't turn off my auto pay. it is slowly ruining my credit. I will be deactivating my card soon. read more

Phony billing for an Amazon Credit Card. Multiple different names for this bank over the years.

Horrible bank - DO NOT OPEN an account with Synchrony Bank. They will close your account for lack of use and will not reopen. The closure of your account is a poor reflection on your credit score and hurts rating. They have poor customer service that only circles around the same responses and doesn't work with the consumer. There are MANY other banks and credit card companies that offer so many benefits and offers better interest rates. Steer Clear of Synchrony Bank. Again, DO NOT OPEN and a credit card or an account with them. Awful company and there are SO MANY Choices for the consumer. I hope this reaches people and you take pause and really consider not opening an account. They closed my account for lack of activity when I had my payments on auto pay. Monthly on-time deductions and they still closed my credit card. NOT GOOD ~ Steer Clear from Synchrony Bank read more

if I could go Negative stars I would. They are a shady, slimy, sneaky bank. I have plenty of money on my MasterCard Sam's card.. got declined at Walmart. call customer service ,and fraud prevention at the store. You are good to use got declined again. I'm in the looking foolish at the store . he said it's fine. You can use it. They re-scan all the groceries three times got declined again. Call the bank again.. Oh well you need to make a video. I'm at the store. You've got my email. You got my phone number. The same phone number that's on my account that I'm calling you from. You can't just send me a code like every other bank. they gotta make it so extra. It only got decline at Walmart. I think that was on purpose. This bank is garbage same with every time I sign into my care credit account same bank It's like I have to re-initialize it. I can't stand this bank. I can see why Walmart ended their relationship. I hope Sam's ends their relationship to. they're garbage. Their customer service is atrocious. They don't even care about customer service. they're not worth even taking the card. The customer service is ridiculous. They're not trying to help you. They make it so cumbersome and they don't post payments right away either on all accounts.. I didn't wanna make a video at the store. you can send you a code through the mail, can give you my social. Code to number on file I called from. You got my email and you got my phone number. That is so ridiculous. Only place I got declined was Walmart I can't stand this bank. I'm gonna pay the $200 off on this card and I'll just let it sit at zero until they close it. I'm never using it again. read more

I just just found out, through a 3rd party credit monitoring service, that my credit card account had been closed. I was given any form of notice, I know this isn't required by law, what so ever. There was not email, no auto-generated letter, nothing. When I called to inquire about this action, I was politely informed I could reapply for another credit card. I am expected to take TWO (2) hits to my credit score, just to reopen an account? I think not. GO ELSEWHERE for a line of credit, this company if very unhelpful. read more

I bought furniture worth of about $8k and got their card to use same as cash for 60 months. To my disbelief, they took the whole amount the first month. Shady business practices and I will never use them or their cards again. read more

Don't take the bait to get an Amazon credit card. Resolving my account has been one of the worst experiences of my life. Called to pay off my account, thought it was zeroed out and card closed. Then I get a late fee months later. Was told nothing could be done, they charge was valid because interest can accrue before you paid it off but not show up later. What kind of world can you call for a balance, be assured it would pay off the account, and get an interest fee that shows up after you paid the full amount due? read more

Was a customer for years never late always paid in full. Multiple accounts. Worst customer service and do not trust them.

I hate this bank. I got a Care Credit card for an emergency extraction that I needed. I figured it would be better than my credit card. Which is true since they have a 0% financing option if paid in full within 24 months. None of that is the issue. You want to know how slimy this company is? I signed up for paperless statements since I am perfectly capable of utilizing the app to track purchases/etc. EVERY SINGLE MONTH I get an email stating that my preference is changed to paper statements and that they will charge $1.99 for said statement. EVERY SINGLE MONTH I get a paper letter stating that my preference is changed to paper statements and that they will charge $1.99 for said statement. EVERY SINGLE MONTH I call their support line and tell them to make sure I am on paperless statements. I even had them add a note to my account stating that I should never ever ever be put on paper statements. Yet EVERY SINGLE MONTH I have to play this game with them so that they change it before they charge me. I just KNOW that if I don't do this, they will charge me the $1.99 and I will not be successful in having them remove the charge. If they are willing to go that far for $1.99. What makes you think this company can EVER care about you at all. And if they are chasing $1.99 like their lives depend on it, how can you trust that the company is solvent.... read more

Please do not use this bank. I bought a mattress through Mattress Firm. I took the 0% interest offer because it seemed great. No one told me there would be deferred interest. Unfortunately, I screwed up my payments and didn't pay it off in full by the end of the promotion. They charged me $2,000 in back interest. This is predatory lending and they should be ashamed. DO NOT USE THIS BANK UNDER ANY CIRCUMSTANCES. They are absolutely worse than the average bank. read more

The reviews here are All very true this is probably the worst Bank on the planet earth in my experience. I simply opened an account with Synchrony Bank years ago and hadn't looked at it for years and then when I decided I'm going to withdraw some money, I speak to people that appear to be on strong medication, and then transferred to the Philippines to speak to somebody who is slow and incoherent. I was told in order to get my money and close the account they said it would take 2 to 3 days for the back office to process it and then another 2 to 3 days for them to process a transfer. I get the feeling that this is not a real bank that this is somebody's retirement home and they do banking as a hobby next to watching TV and smoking pipes. Again, one of the worst horrific experience from what should be a modern bank in 2025. It felt like a time warp that I have gone back to the 40s to beg for my money. Best of luck to all who bank with this company. read more

Awful company! Please stay away. Customer over 20 years and they locked my card for fraud and said I have to wait 7 to 10 business days to receive a letter with a code to unlock. Even after I confirmed charges were not fraud on their automated system. Account is paid in full every month and was treated like garbage by a customer service manager because I couldn't figure out how to complete the online biometric process. Not all elderly people are tech savvy. You have been warned. read more

The worst of the worst Bank. This is a horrible company This is a horrible company, I got some furniture a year ago and the company which is Ashley furniture told me that they will give me 24 months no interest and after 12 month they charged me 1,030 dollars interest I called the bank and they told me that the interest is for the 12 months of no interest because I didn't pay the full amount I owned by the time which I have never heard this with other banks. The customer was horrible, I spoke to a manager at the bank and she even told me in her words that was my fault because I didn't check my monthly statements. The works bank and the worst costumer service in the US. This bank is a fraud . From: Sandra Lopez read more

Very untrustworthy business with Lowes partnership applied for a Lowes credit card, and they send me a letter to repeat the same information I provided during original application process. A self, copies of drivers license and S/S. I have a 840 score with zero dept. Very untrustworthy business. read more

Avoid Synchrony Bank Credit Cards like the Plague!!! Especially their "customer service" both on line and on the phone! THE ABSOLUTE WORST!!! read more

It takes forever for them to post your payment to your account. If you call them and ask them to verify, they claim that NO ONE at Synchrony can (read: will) send you any kind of verifications. Purportedly, it takes 72 h from the time they receive it for them to post it to your account. They claim it takes 10 days for a letter to get from PA to TX. Well, the postal service is bad, but it does NOT take 10 days for a letter to get from PA to TX, even when they had those ice storms. The only good part is the 4% you get back with purchases toward your Verizon bill. Since I am getting ready to part company with them as well, I can't wait to get rid of this card. read more

They open accounts you do not ask for. Being used by fraudulent contractors. Almost impossible to cancel the fraudulent cards the contractor signs you up read more

l have been dealing with symphony bank over a dispute for over six months. Their customer service sucks very rude and incompetent associates . I will never do business with them ever again. Forget asking for a supervisor. They are worst Everyone out there pay heed. Do your homework . You will save yourself some unnecessary headaches. read more

Synchrony Bank closed my Pandora account without proper notice after a weekly payment failed, even though the payment was corrected within the same billing cycle. They took three weeks to notify me, and after reviewing my case, they admitted in writing that there was no reason for the closure and reopened the account. One month later, they closed it again without any explanation, and customer service could not provide a reason. This repeated and unjustified account closure shows a lack of professionalism and transparency. read more