MySynchrony

At first I did not like to do business with big Sandy because making the payments were so very hard you could not make the payment at the big Sandy store in Maysville Kentucky it was very hard to get a hold of people over the phone it was just generally a hassle downloading the app was the best thing I ever did because it makes paying your bills so simple so easy and I just love the app that allows me to do this for payments and keeping up with my payment history login I can use even my fingerprint to login it’s just very very simplified and when you’re busy and you’re paying bills and I’m sure everyone does it makes it very very nice I rate The app five stars I think it’s fantastic!

I’m leaving this comment on here because I can’t get an answer from anyone on the phone. How contradictory is it for me to open the app to make a payment and I’m instantly hit with a message about how you’re doing your part to be there for your customers during this pandemic BS then continue on only to find out that my account (which is not close to its limit, is current on payments, and has a good payment history) has been closed without even a notification? And as I write this- without an explanation as well. Of the almost 2 years I’ve had this account, NOW is probably when I would need it most. Seems completely opposite of being there for someone- and I’m not even ASKING for anything! Even when society runs ‘normally’ your business actions here are ridiculous. There’s still a balance on the card that you’ve closed- should this be some sort of credit score issue or anything unrelated to this account - I could imagine it being hard to collect on it. Just sayin. I hope during this time of uncertainty, you all aren’t blowing flowers up everyone’s a__ while you close accounts from anyone that’s unfortunate enough to feel the repercussions of government shutting down the economy. Thanks Syncrony- thanks for nothin!

I have received cards from various banks with minimal to no issues but Synchrony is by far the worst to get a credit card through. My first card I received was for Ashley Furniture which I paid off in 6 months to get the same as cash price. The day I made my last payment they send me a letter that they are reducing my credit to $200 because of my credit score. My score wasn’t any lower than when they accepted me and who can buy anything for $200 at a furniture store? Three months later they send me another letter that they closed my account. Second card I get is for tires at Discount Tires. I paid off the $700 in 6 months to take advantage of the same as cash deal. Again, the month of my last payment they drop my limit to $250. I had that limit for a few months using the card at gas stations to show use and I paid it off every billing cycle. Today I get a letter they closed my account with the same lame excuses they gave me with my Ashley account. I can see if I paid late or maybe only made minimum payments and always kept a high balance but that was never the case. I will never get credit any synchrony backed card. Ever!

I had gotten this card for a very good reason. I had been paying my payments on time sometimes extra. I went through a time when every single time I tried to log in on the app or on the website it would tell me that i couldn’t and to try again later. So many attempts and nothing. Eventually i was able to log in but only to see a 300 dollar fee for no reason then like 40 dollar charges every few days. I had been patient about this and asked for a few weeks now to get those fixed so i can continue paying the account off. But while I get emails just saying “we’re so sorry how can we help” over and over again after I tell them exactly what my problem is but i get the same answer. I told you guys how to help me why am i being charged and asked the same questions again and again. I do not know how to fix this. All of a sudden the card is up hundreds of dollars than when I was able to log in. It’s ruining my credit score and just stacking so much debt on me. I need this fixed ASAP. And I really loved this service but now it’s just caused me so much stress.

I’ve had multiple accounts through Synchrony Bank and all have had issues. Whether it’s insanely high APR or as of today one of my accounts being closed without my permission!!! Earlier this year my available balance decreased significantly which I assumed was because I’m homeless. But now I can’t use the app at all and as a homeless person without a computer I have NO clue how I’m going to pay my balance off now. According to customer service my account was closed due to a payment that didn’t go through. I’ve made EVERY SINGLE PAYMENT ON TIME SINCE 2018!!!! My last payment was April 5th and they closed my account on April 9th. I’m gonna let it go to collections because this bank does not deserve a single penny from me after putting me through more hardship. This weekend I’ll be moving in with my boyfriend and making a combined total of 60-70k yearly. Apparently that’s still not enough to keep my account in good standing. I’ve worked 60-70 hours a week for the past 6 months

I’ve had a Lowe’s card through this company for about a year or so. I’ve paid it off every month and had no issues with the credit side of things so I have no reason to criticize that portion. What I will criticize is the app here. It’s broken, plain and simple. Try to login with the opening prompt and it won’t recognize your credentials. Go to the help section to give other personal info to verify it’s you and it will still say that it doesn’t recognize you. Then it prompts you to their website where, once you’re off the app, suddenly it can become useful enough to let you access your account after several more prompts to find out which type of card you have with Synchrony. Please save yourself the trouble and only use the browser version of this site to access your accounts. This is the opposite of convenient and defeats the purpose of having an app to access your account.

I have a synchrony credit card and bout the card security because if you have it and are wrongfully fired from your job they can forgive the debt. Not two weeks after i was wrongfully fired with proof and was denied the benefit. Now they wont let me remove card security and i have had to make payments on multiple occasions which have not shown up on my account but have come out of my bank account. I even had receipts of payment and offered the confirmation numbers and they refused to even hear them but continue to charge me and add fees for late payments and card security. I WILL NEVER recommend Synchrony to anyone for any reason and I will NEVER use synchrony again. This is the worst most BOGUS SCAM. Not only was my debt not forgiven when it should have been but now i am being charged for late fees on payments I’ve already made AND it has dropped my credit score 400 POINTS!! Absolutely UNACCEPTABLE!! If no stars was an option id choose that!

Was very excited to open a Synchrony account but there was a major security flaw with account verification. There were two phone numbers automatically assigned to account for verification, one my cell and the other unrecognizable. So I called thinking I could just request them remove that number, but they said they couldn’t because that information was supplied by a 3rd party. Naturally, next question was ‘who’s the third party so I can contact them to resolve’ to which the bankers response was ‘we cannot provide the third party that provided the phone number’. What if someone that’s not me used the unauthorized number for account verification and I subsequently lost all money? I immediately cancelled the transfer and lost $35 for having to stop payment. So the agent didn’t assist with removing foreign number, canceling transaction, or providing information for third party. Save the $35 and security risk!

I like this app in making my payments. Use of this card has allowed us to buy furniture over a two year time with no interest. I just finished paying the rest off and hopefully it works out well. I have never had any problems with my payments being paid on time after submitting them. I do hope nothing negative comes around from my last payment. Still my husband and I were new to even hearing about this company, but we have noticed more businesses are using it. Appears to be more positives than negatives in reviews. Still it was the easiest app we have ever used in making our payments.

I have tried to dispute an amount on my account finance by synchrony bank. Every single time they tell me to see in proof of the amount of over charge have done that and neither synchrony bank nor rooms to go will acknowledge their wrong doing. They are a bunch of thieves. Been a long long time customer with them. I have a lot of accounts with them and have paid them on time and paid them off. Guess I will have to wreck my credit for $400. Or less but my money comes hard as a lot of people I know and I refuse to pay for something I didn’t receive. Big banks just love to screw the working man. Too bad they have a monopoly the finance almost every business these days.

I have always had good results out of the app for what I need. Just to pay on my card. No problems. Until the past month. It crashed throwing up error & I couldn’t sign in to pay on my payment so I had to sign in on the website to pay it. I was signing in with correct info. Website worked fine. In the past week they have finally provided update. It was still not working tonight until I updated the app. So with the newest update they have fixed the bugs that was causing the sign in not to work. Thank you for addressing that.

Now I’m new to Syncrony however since I’ve already had history with them through PayPal, I was able to get another syncrony account with 2+ years of interest free credit. Now I don’t know the history with the other customers but quite a few have given Syncrony 1 star on their app which I don’t see fair. Syncrony is an amazing service and their app is very “straight forward and get to the point”, And that is exactly what I need to do to make sure my payments are made on time in an efficient manner. The app also lets you download your statements and payment history for records which is also very important if something wrong happens, Which in some cases it does happen including if you don’t have control over that scenario. I love all of Syncrony’s services and I’m also very happy they are apart of PayPal, If they are teamed up with PayPal then I’m always in their books! Love you guys, You’ll always have me as a customer!

I manage all my Synchrony accounts online - through Safari browser. I’ve tried using this app several times over the years and it has never worked. When I try to login, it says info doesn’t match, but same info logs me in through Safari just fine. Now, after a couple of attempts, it opens a Get Help Signing In page, with a Find My Account button. I click that and it opens Safari, I log into my account on Safari. Everything works… except I am still using Safari! Doing this has no affect with the app and the app still isn’t working. Unless that is the point - does the app just launch the site on Safari? That seems to be pointless. What bother having an app at all? So this app is either irrelevant or horrible in design. Either way, it has been a total waste of my energy!

I bought a mattress with Mattress Firm, and they told me I could spread into several payments without any interest. I selected the 12 months installment. When I accessed the bank to make payments, they never show you the payment plan you have. They lead you to pay the minimum payments, and that’s where they get shady! They don’t show you the 12x installment amount due, they show you a very low amount as a minimum payment. If you follow them, you will end at the end of your 12 months installment more than 75% of your total due. That leads the customers to an absurd amount of debt. When you ask them to set the minimum payment due as your agreement of 12 installments, they say they cannot do that. They lead people to debt by not being clear about their installments, amount due that would pay the mattress. They give you a total amount due and minimum payments that does not equal the total amount due on the time agreed. If you use this bank and you do not pay attention, you WILL end up with a lot a debt. Totally NOT recommend this bank to anyone. They even tried to blame Mattress Firm, saying that the deal was signed with them, but who provides the loan is the bank, or their credit card you sign for. SHADY BANK, SHADY PRACTICES!

I've been making the effort to make sure everyone knows this. The pandemic was hard on us as was with a lot of people. I would be laid off some weeks due to not having parts at my workplace and unemployment would never pay me as my state had one of the worst unemployment situations in the U.S. with millions having to go months without receiving benefits. My wife and I both had a card through Synchrony. We were late at the most two days on making payments and it only happened TWICE. Synchrony sent both my wife and I letters saying they had canceled our lines of credit and we were still due for the balance (and of course interest.) Never had a company treat its customers like this. Anyways just watch your back with this company, I know I will never do business with them again.

I was actually very happy with the line of credit and rate that I got from this company since I was rebuilding my credit. However they kept reporting the wrong credit score. When I called to understand the issue, customer service was confrontational, when I got a manager on the phone, she was also confrontational. The fact is that my balance was much lower (for months) than they reported, and instead of taking accountability for it and trying to help me understand what I was missing as far as my score being wrong, they could not. And, they could care less. Asked for the complaint department and I was forwarded to voicemail. The saddest part about this is that I wanted to use the card for another big purchase and that’s why I was also calling, unfortunately for them, I will not.

I love the app. I use it frequently and it have never had any bugs or issues until this month. The only thing I would fix is that you can only see two cards/accounts at once on the app. Having multiple accounts for my Care Credit card that Synchrony finances, it would be great to be able to see all of my cards and accounts available on the app in future updates. Also, I’ve been having a lot of trouble making payments on the app for a few weeks now. I thought it was temporary but it’s becoming an issue for me now to have to log in on a browser to make payments there instead of on the app. Please fix, thank you.

App says please update to iOS 16. Until then I can use an older version of the app..but it doesn’t let me. It redirects again to needing to update my iPhone, in a vicious circle. My phone says I’m up to date on iOS 15. I cannot update my iPhone. I cannot update my iPhone therefore I cannot update the app therefore I can’t use the app! Biggest pet peeve is trying to use the web browser is a nice work around but can’t download statements because “I need to disable pop up blockers”. I tried in 2 different browsers and disabled all I could and ran in desktop mode and everything and I STILL CANNOT download a statement. I will literally pay off my cards and never use them again since the programs to pay my balances are being so difficult.

This has nothing to do with app functions, but how the company functions as a financial institution. I’ve had a credit line with them for over a year now and completely dissatisfied with their handling of my account. I’ve never missed a payment nor have I made ANY late payments, payments also being well over my minimum requirement. I open my account app and they’ve deducted over $1,000 of my credit limit without any notice. This has now lead to a credit loss and credit usage increase that has dramatically decreased my score. I’ve read some reviews and this is typical of them. It’s not a credit rebuilding phase for me by any means, but I wanted to share what I’ve been dealing with using their services. In a nutshell they’re a headache and applicant beware!

I love using the app! It’s faster to login in and submit payment through the app than the website! Hopefully I’ll be able to retire the app once my two credits are paid this year. But definitely will want to do business with synchrony again! Because of them and me paying on time, my credit has gone up up up! Good customer service, in the chat, haven’t don’t the customer service on the phone. I recommend Synchrony to friends and family because it’s secure and the payments are easy to handle! Just good things all around!

The Worst banking app I’ve EVER used there’s so many glitches in the app I made a 13$ payment on the DAY I got paid, 11 days before my due date which is on febuary 13th, now it’s February 21st & the app still is saying I DIDN’T MAKE A PAYMENT, now my credit has dropped & they added on a late fee & I still have yet to talk to a manager cause their customer service department is almost non-existent. And a HUGE portion of the customer service Representatives barely speak any legible English, then a representative that went by sam was VERY rude when I kept asking him “Can you repeat that” CAUSE I CAN’T EVEN UNDERSTAND A WORD YOU’RE SAYING!!! pronunciate better or maybe the English customer service field isn’t for you. I’m going to finish paying the card off & never look back at this bank it’s a nightmare.

Today I had 70 dollars taken out of my checking account and noticed it left my balance negative ! While trying to check on the app why and what was withdrawing from my account the app keeps closing, funny enough I can check my savings account with no worries but as soon as I click my checking the app force closes. App is useless and have always had problems with this company for example I’ve set my phone number three times now , but when ever I try to log onto my account with the computer it asks me to verify my identity with two Numbers that are not mine!! I’ve done this process three times now where I call them and adjust my account numbers but it seems to always reset. This app has caused me more problems than solutions . Canceling my accounts very soon!

Been using this app for the past two months to manage a purchase with Musicians Friend Platinum card, which is hosted by Synchrony Bank. It’s quick and easy to get snapshot of your current status, and easy to make a payment by various methods. I’d give it 5 stars if I could find a way to make my monthly payment automatically. It’s not that much trouble submitting the payment, but since I’m doing it every month, I’d rather just have it happen. Synchrony phone support was wonderful when I applied for the card (Musicians Friend special promotion), so I could probably call and have them set it up for me.

I opened my no interest mattress firm account and payed on-time every month. I have another credit account with different due dates. I got the payment dates mixed up one time and payed mattress firm 7 days late. I put my account on automatic payment to ensure it never happened again. A few days after my payment my available credit was lowered by thousands of dollars, lowering my credit score 48 points. One month later Synchrony closed my account because now my credit score was to low. LOL. This lowered my credit score another 22 points. I was 7 days late ONE time. I have perfect payment history on my credit report but now have a credit score 72 points less. Be VERY careful with this company they are a predatory credit lenders.

Like some of the other reviews I too can’t access all my accounts possible due to different log in/passwords. “Chat” feature is poor-spent 20 mins only to be connected to a supervisor who gave me a “dedicated” phone number to merge all accounts under one log in. The rep indicated “he wasn’t trained” to do this. Was told each account has to be notified separately - I have six. Too cumbersome. Very poor service. Offer the user a way to merge ALL accounts under one log in-verify user by dob, phone, last four of social. They can’t or won’t. I’m paying off the accounts and won’t use. If and when they fix viewing all account one log in I will gladly change my rating. Terrible customer service.

The Synchrony app is easy to use and navigate. I’ve been paying my bill every month so I can continue to receive the no interest on my furniture I purchased. I wish I could get all of my Synchrony accounts on this app but it only seems to have my accounts which are furniture/appliances related. I’m sure if I call CS they can tell me if I can add the other accounts, they are very helpful when I’ve had other issues or questions.

The app is mostly straight forward except once u make a payment it will take 24-48 hours to update on your account and once I made a payment on the due date the next day I checked it charged me a late fee in that case there is something wrong with the app it needs a serious bug fixes otherwise u can manage everything from payment all the way down to the due date also the transaction history could use some work as well. Just look out for these things once making a payment don’t hesitate to check your account once in a while to make sure everything is in place

Mysynchrony is not only an app full of bugs and terrible lagging, and with back-end security vulnerabilities, but they will also CLOSE your accounts without any notice or warning, or even much of a reason. Their own app bugs caused the auto-pay feature to not work properly, and because of their own issues, they closed one of my accounts. This leaves the app completely useless, as it will tell you they cannot help you and you just visit the website. Not only is it incredibly inconvenient and infuriating, but as someone extremely familiar with the subject, I’m also heavily concerned with their security protocols and the ease of siphoning information from their servers. DO NOT TRUST. AWFUL APP AND BANK.

My payment was due on the 13th even though they’ve never sent me a notice about when my payment is due, I went ahead and made a late payment on the 15th. On the 18th I paid off the account completely. Here it is on the 22nd and they had the nerve to charge me additional interest even though my next payment wasn’t due until June and the account was paid off prior to this. I paid the additional interest and closed my account today and will stick with more reputable creditors from now on. This was by far the most expensive and unnecessary credit card I’ve ever opened. Be warned, the high interest rate and poor customer service make this credit card company an inconvenient headache.

The app works just fine but why do you guys wait so long to take a payment from an account. I make my payment as soon as I get paid on Friday and you guys don’t take the payment until Wednesday. It’s like you purposely do this as an attempt to make more money on fees. Definitely not customer friendly or oriented. Once I’m paid off. I will never do business with this bank again. All other credit cards come out by that following day or Monday. I’m just bugged. It’s makes it hard for normally everyday people with busy lives. And it just seems that synchrony takes advantage.

First, they closed one of my accounts not because I was late with a payment or money, but because I tried to make extra payments and then subsequently there was a problem with it, and the payment didn’t go through so they close the account. Now I make payments almost weekly to my accounts, but then there’s times you can’t even get into the app and there’s no way you can go around it to try to fix it so you just find a phone number for that particular card and hope you can get one and make a payment over the phone because if you don’t, you’ll be late and then they’ll close that account too. Those are two main problems among others.

I was totally pleased with this until earlier this year. Ai that time a store I deal with decided to discontinue dealing with Synchrony Bank. I was not happy about that. In any event, I really had no say in the matter. The problem is that the credit card in question still appears in the app after I sign in. On the website only the CareCredit card shows. I have called customer support several times and it appears that no one there can remove the closed card from B&H Photo. I can’t use it and I’d like to lose it. Thanks.

This credit card company's lack of communication and disregard for customer loyalty is beyond frustrating. Not only did they close my account without warning, but they also continue to demand payments as if nothing has changed. It's baffling how they could justify such a decision after I've been a responsible and punctual cardholder. Their actions raise serious questions about their integrity and commitment to customer satisfaction. My balance was $500 but now they made it $724, forcing to pay that and even lock me out of my account, when I called to find out how my balance went from $500 to $724, the customer service agent was being rude and not telling me why. Y’all need to grow up and be better

For the second time, the app has turned useless in my final month of interest free financing. As a busy person I just tried again another day and still useless. Tried again another day - useless. Until my interest free period was over and I got charged a bunch of interest. I’m honestly sick of being charged fees by companies who don’t pay me fees when they screw things up. I’m supposed to be able to login the app and make a payment. That’s part of the service every month, that’s what I’m used to. You guys messed up, you should pay me back my interest fees.

I’ve been waiting for a MySynchrony app for quite some time, and this is exactly what I was hoping for. It’s quick and easy to view all of my different accounts and their balances/due dates/minimum due. Making a payment takes less than a minute. Great user-friendly app. Just wish there was a way to view balances on promotional purchases, but that’s the only thing missing for me.

I don’t know what kind of bank they are running. Are they running for consumers or for some billionaires. I have replaced my credit card like 3 times just because i made a purchase through Apple pay and thought it was fraud, one time when used my card they blocked my card. Recently i made a payment through the app and it shown as pending. When I opened after 2 days there is no payment transaction, I was confused did the payment was failed or something else. No email sent. I just applied this credit when have been with Rakuten now they have separated now I am stuck with them. Now I decided not to use this card anymore.

I have several synchrony accounts. The thought of having all in one app to track and make payments was extremely appealing. The app WILL NOT let me add an additional account for a one stop shop. I clicked to go to the main site online and it still won’t let me add an account. When I click Add Account it takes me to my profile and has forced me to update my info 3 times even though my info hasn’t changed. I keep going in a big circle. It’s frustrating and a huge waste of time. I won’t continue to use this app. It’s faster to log into separate sites to track and pay than to mess with this lousy app.

I like this app cause of it ease of use. Compared to other apps I would like to see an update that could possibly offer more detail purchased information such as what was purchased in other words in the transaction history show a recipe.... how many of us keep or lose recipes and forget what was purchased. Sometimes the app loads slow but that’s with all apps really. The design is nice for a basic interface. Over all I like the app and would recommend anyone who has synchrony to use this app.

I have a Care Credit card, unfortunately. I signed up for the insurance, in case you aren’t working, the insurance will cover payments for you. Well, two times when I lost my job, I “didn’t qualify” to use the insurance. Not only that, the insurance was charged to my credit card, incurring interest by Synchrony. Like all big banks, profit is the number one priority. Lose your income because of Covid? Don’t worry, they will call you 4 times a day, text you and email you to let you know you’re behind on a payment. They also won’t forget to charge you late fees and interest. Synchrony has been disappointing all the way around. DO NOT DO BUSINESS with them. Save yourself the trouble.

Downloading this "App". This app USED to work. I was happy when I found this app and had wished I knew about it 2 years earlier when I had another retail acct. associated with this bank. Then before these "unprecedented times" occurred, I had applied for another cc account associated with Synchrony and I was happily and conveniently paying down my account until about 5-6 months ago. When I attempted to make a payment, there was an 800 number and a website, I think. I'm so frustrated right now that I don't even remember what was on there. I EVEN deleted the app and reinstalled it again and still to no avail.

What many people have posted about the customer service at Synchrony is completely true. As a bank entity things work however when you have an issue and call customer service that’s when the issues begin. The people they hire to man the NOC are extremely rude. The supervisory staff is not much better. You call to get info on your account and you’re talked down to like a child all for the sake of trying to figure out what’s wrong with an existing account. I really wonder if this bank actually has people in charge that care about their clients and want repeat business or prefer to push people away to other competitors.

This company is the worst. They do not care about their customers or their business. I have used my Ashley’s Furniture Account with them now 3x. But without warning, or notification they closed my account. They said despite the fact that the 2 times I had paid my account off early that my account was closed due to my credit score (medical billing and insurance issues not even my fault). They also did not care at all that literally my account WITH THEM. Has always paid over the amount due monthly and again paid off early. None of that matters at all to them. The app is now trash just like the company.

This app has made me very angry. I signed up for estatements but can’t get through the app. Called customer service and was told click on log in within the email. Just tells me to open this app. It refuses to let me view my statement. The app also doesn’t tell you what your closing date is either so I accidentally made a second payment ahead of time in the same period now in order to be compliant I have to make another payment within their period which I just did. They lack all of the pertinent information. If you to know anything else you have to actually turn on your computer and sign in. What good is the app if it only provides limited information.

The App is deplorable, Synchrony does not support it, and won’t take responsibility for it saying “it’s a third party installation” and is not their responsibility. I have four different accounts Belks, Pet boys, Sam’s Club, and a Honda Dealership Card for repairs. ALL are paid off and one has a red exclamation mark against the ‘Sam’s Club’ account that I personally Closed. I have asked several times for the Sam’s Club card to be removed from the App, but it shows up on the App constantly and nothing the customer asks for is done, so I have decided to close all my accounts belonging to Synchrony, and from this point forward, will only use my Discover Card, and my Chase Card.

After week from calling customer service to fix their mistakes Once i hang up with them the application stop sign me in I did call customer service they transfer me to technical service dep. one of the worst service ever you can ask for help for them *all of us are stupid and they are the master of knowledge ………… (fill all bad word ) They think that we are Uneducated and we don't know anything What they know is troubleshooting and nothing else Delete the app and download the app again Not working Try the web Not working So ……. Your self Nothing wrong in our end Poor service, run it, don't live up to four-legged

The app is easy to use and convenient but it is missing somethings such as in the settings I have no option to change my passwords or user name, that would be lovely. And I also have a problem with “message center”. It doesn’t work nor do I know how to use it or what it’s for. Other than that, I love the fact that you can request credit increase and that the customer service stays open until midnight but bedsides that the app has been good so far.

I have a 1500 credit limit on my card and over a period of time I maxed it out because of a sick animal. Every month for a few months I would pay 60 on my account and then I’d get the statement saying my account was over its limit. I went to the bank applied for a loan paid it off and they sent me another bill for $32 and some odd change. I had forgot and paid it twice and they took my $32 credit. Then you can’t get anyone on the phone. If your trying to work on your credit stay away from any place that deals with SYNCHONY BANK. YOU'LL GET RIPPED OFF EVERY TIME. CAPITAL ONE IS A GOOD CARD and they don’t gauge you with interest.

I’ve accidentally made double payments several times because unless I’m totally missing something right in front of my face, it doesn’t tell you that a payment is already pending for the due date. So I panic, unable to remember if I already submitted payment not wanting a late fee and then see the double charges from my bank. I think sometimes it says $0.00 due, but no payment shows up in the transaction history and hasn’t gone out of the bank yet and it’s confusing.

So after talking to Synchrony Bank today my nose was rubbed in the fact since I made an off cycle payment at the beginning of April it fulfilled my autopay that was and still shows as due/scheduled on April 22. When I spoke to the supervisor they said Synchrony doesn’t administer the App. So I should speak to the third party App administrators about why the App still shows the Autopay due/scheduled for April 22. Additionally I have 2 closed accounts that still show up on the App. Ironic that a bank with a name like Synchrony throws up their hands and says that’s not on us. Synchrony Bank and App administrator need to Synchronize their info and present a better product to consumers.

Worst card I have ever had. Reports to credit agencies on a different day every month. So you never know what day you have to make your payment by. They wait several days before requesting the payment from your bank. So your bank account is basically messed up until these people decide to do what should have been done immediately when you make the payment. No I do not recommend this card. And if you charge anything within the first week after they report to the credit agencies they then report against you again. I believe this card is designed to destroy your credit. Beware!!!! Stay away!!!!