Synchrony Arvostelua 

Terrible experience!!, never get involved in any way with amazon Synchrony, I wish somebody could tell me before, definitely are usurers!!, they are going to find the way that the payment you do online is not going to be complete, so you think you paid on time, but not!!, later they are going to charge you late payment and ruin your credit score. I thought I paid, I got confirmation( saying paid) but later for some reason did not work ( suspiciously) and the money was returned to my bank account( I did not notice that) but they never called me or sent an email about this situation, so after 20 days I noticed my debt was more than double! I called, pay all of it, and canceled my account, they are really crooks!

Scam it will steal your Info and force you to scan you face like communist china!

Doing my taxes was a nightmare with this bank. I have a Lowe's credit card, and needed to export all my 2021 transactions for tax purposes.

With Capital One, I selected a date range, a spreadsheet file format, hit download and imported into Excel.
With Discover, I selected a date range, a spreadsheet file format, hit download and imported into Excel.
With US Bank, I selected a date range, a spreadsheet file format, hit download and imported into Excel.
With Ally Bank, I selected a date range, a spreadsheet file format, hit download and imported into Excel.

With Synchrony, I hit export, then it gave me a list of individual months I could choose, but only up to 12 months ago (so missing the first few months of the year). I selected the first month, and it said there was no data for that month. I tried another month. Same.

I found where I could download individual statements in PDF format, so one-by-one, I downloaded each of those statements. Then for the older statements, I had to submit a request (again, one-by-one), and was told by the website that I can expect them in the mail within the next 2 weeks.

So what I was able to achieve in 5 minutes with every other site, took me about an hour on Synchrony, then I still have who-knows-how-many hours to manually enter all that data from PDF's into a spreadsheet, and then up to two weeks wait and who-knows-how-many more hours to manually enter data from paper statements.

Needless to say, my current frustration has resulted in my one star. Up until having to do my taxes, I didn't think it was that bad. I'm sure if you don't need data export, it's completely fine.

Synchrony Bank and their assorted credit cards - unfortunately also associated with the Amazon Prime card - is the worst financial institution I have had the displeasure of doing business with. I'm not a disgruntled customer that owes them money, I'm a disgruntled customer who has had absolutely no luck with their customer service or with payment disputes. I am still waiting, as of 2/11/2022, for a chargeback to show to my account that the merchant processed on January 31st, 2022.

Their websites are a nightmare of popup chat boxes and surveys. Will I use you again? No. Will I recommend you to a friend? No. I might recommend you to an enemy, though.

There are much better credit offers, much better banks out there. Do some research and look at their reviews - Synchrony is terrible.

I had to use Pay Pal of Synchrony and Amazon. With Pay Pal, I have no problems it used to have, but not anymore. But Amazon Synchrony is a joke! I applied as the promo was: make seven payments one after another one, and we will replace your secured credit card with unsecured. I've got a secured card with 100 dollars limit. I buy with it once in a while for three years, but they did not replace it with an unsecured one. No need to say that my score is 750 - 775 (varies). I have high limits everywhere, even at their Pay Pal but not Amazon. Amazon works well itself as well. But with this card, I can not log in to my account. I can not see my information. Have to guess, when my billing date closed. For three years, I have passed many verification processes and got promised that the issue will be fixed, but 3d year going and still, the issue is the same. I refuse to pass their verification anymore because I know that is useless and time-consuming. Phone verification doesn't work, and paper is just useless waste of time. Once other sites use 2FA, authentication apps - their site just doesn't work like that and requires bad working document verification or paper mail EVERY time you try to log in! I am in a trap because a credit score is important, and I can not close one old account without harm. So I froze my 100 dollars there and just waiting, not sure what for. The main thing I understood right now. They pretend that this is a security system, and they suspect it is not me, but a scammer. Ok. Old, not working, but ok, I would be ok if this is a security system, I understand this more or less. But attention, guys! When I was talking about closing my account in case of a score factor, she quickly and with enthusiasm offered me to close my account!!! So any scammer, who doesn't pass verification, can not log in, but can close my account simply? Here I found out that this is total discrimination and has nothing to do with my security.

I love using Amazon/SYF for the cash back. In the past two years I have received over $2000 in cash rewards, just for using my Amazon Prime Synchrony card for all purchases at Amazon. I like to let the cashback rewards accumulate and use them for large purchases. The caveat is, of course, that I pay the balance every month so that interest charges won't wipe out my cash back. As long as you do that, it's like free money. I did drop it down to 4 stars because I had to tell them when I wasn't receiving the 5% back for a period of time. It took a while, but they straightened it all out.