SynchronyReviews of synchrony.com

I have been a valued cardholder since 2019 and have paid for this card on time. You lowered my credit limit on the same day I made a substantial payment therefore negatively impacting my credit score. Specifically, I had at least a credit limit of 6500.00 and paid 3,000.00 to this account. And to think that after I paid this amount, I was notified of the lowered credit limit. It was in my best interest to not have paid this amount. I am extremely upset with this process of negatively impacting a consumer’s credit score when the user had the opportunity to increase their credit worthiness by paying down a substantial amount of the balance. I am quite disappointed with this process and lack of transparency when it comes to this credit card. Account holders do not know that they are penalized for paying off the balance because then you are lowering their limit therefore impacting their credit score in a negative fashion.

Awful company to do business with! They will never support the consumer for any disputes but rather support the businesses who rip off customers! I will never use them again!

The Worst customer service . Rude and not helpful at all! Never had any bank customer service like that!

World’s worst credit card!!!! Do not use this company at any cost!!! They are set up to rob you at extremely high interest rates and late fees!!! Customer service is in other countries and they are rude and unprofessional. Beware, don’t fall into their trap!!

Agree with the masses. Lowes uses Synchrony for their billing and it's dreadful. The web site is the worst. No flexibility, no options to change much to get notifications or billing information. The Synchrony online system is horrible. I'm sending back my Lowes card and will stop shopping there until they switch companies.

WORST BANK EVER!!! I pay my bill on time every month and my balance keeps going up! I call to see if there is something that can be done...ummm nope! They will not work with their customers. I hope they go out of business so they can't screw anyone else out of thousands of dollars. And every business that uses them should lose business just for using this POS bank!

Awful Customer Service. For some reason, unbeknownst to me, the backend bank connection system between my bank and my Paypal World Mastercard was broken, so that when I tried to make a payment on my card as usual, I got a $29 returned check fee, and I had to reconnect my bank again in order to make the payment. However, when I called Synchrony customer service to complain about the returned check fee, they did nothing to help, and basically told me to go F myself. Absolutely awful customer service. I will never be using this card again.

Worst credit card I ever had. Unresponsive, blocking my card use for absolutely no reason I have an 823 credit score and pay all my cards off before charge hits the statement. I’ve had this card several years and it has always had some problems but it is getting worse Terrible customer service and they couldn’t care less. They don’t care how embarrassing it is in a crowded store to have credit denied for absolutely no reason. I was determined to find out why and got it cleared in an hour. No reason was ever given. Stay away from this Mastercard for Synchrony. They have amateurs running the show.