Synchronybank Arvostelua 

Out of all other creditors Synchrony bank is the only one that purposely delays your payment for credit cards. A full payment was overnighted for all 3 of my synchrony cards on 6/30/2026, the tracking shows delivered on 7/1/2026 and as of today 7/15/2026 they have yet to process the payment, my advice would never do business with such a corrupt so called creditor.

I have 3 Synchrony credit cards and pay all monthly. I have never missed a payment. Today I received a notification from credit bureau that they closed my Lowe’s credit card account without any communication. No communication at all!! Shame on them!!

I have, soon to be cancelled, amazon cc that a payment was set up for did not go thru. I called in when I realized it had not gone thru and made the payment on line but spoke with a csr rep 1st to get them to waive the fee and interest charges. was told by rep that the late fee was waived and interest charges would be too. came to check my statement a few days later and fee was waived by interest was not. called and spoke to another csr and supervisor and they would not waive the interest charges. will be cancelling the card and notifying amazon since I am a prime member what happened. I have a number of cards from synchrony but this is the 1st time that I have been outright lied to by a csr rep. very unhappy and will watch these accounts and autopays very carefully from now on on the other cards.

I wanted to check my TJ Maxx credit card bill to see if I need to make a payment. My TJ Maxx card is not lined up with my other synchrony credit cards for some reason and I always access it individually. Now I can't access it at all. It still isn't showing up along with my other synchrony credit cards and I don't know how to pay it. I've called their customer service line, tried to chat live online, nothing works. They say they have representatives who can help you, but they don't. You just wait on hold forever. As soon as I can possibly get a hold of synchrony bank, I will be canceling every single credit card I have with them as they are the worst bank I have ever dealt with!!!

I would give them negative stars if possible I had several cards thru them and one day they just decided to cancel all my cards so I would recommend using someone else they are a joke

The worst bank there has ever been! Nobody likes them all they do is give people high interest rates on everything! Especially for POOR people!!!! Loan sharks!!!!

780 credit score never in my time with them have been late. i really try to pay my cards off monthly and they just closed my amazon,lowes and care credit accounts for high risk? called and talked to some idiot of a mgr and he just kept making no sense why. this took my credit rating down 50 points unbelievable

I have never made a late payment, I have never missed a payment and they reduced my credit line. By doing that it affected my credit rating. I'm not sure why a company would want to treat their good customers that way. Unacceptable
The only card I've ever had in many, many years that has ever done that. Unacceptable

We happened to use CareCredit for my wife’s stem cell injection treatment and opted for the 24 month 0% interest option.

We will definitely pay this off prior to the 24 month end date as not only do they accrue interest at 32.99% APR but they base it on the full amount originally financed EVERY MONTH. We have paid the balance down by several thousand dollars already. If we fail to pay the full amount off by the 24 month end date - they will add almost $3k in accrued interest.

How this practice is legal is beyond me.

BEWARE OF THEM. Predatory lender is a nice term for what they are.

If I could have left 0 stars I would have.
This is probably the absolute worst "bank" to use. I am set up for automatic payments but every single month without fail I get a notification that my payment didn't go through.
I even contacted their customer service and that was a waste of time.
Also, they are no longer taking my debit card for payment, which hasn't changed over the past 6 months, and are now insisting I put in my checking account information.

Avoid this company like the plague.

It is the absolute worst

Big lier bank.Shame on You Synchrony Bank in Philadelphia.You got my privet Information and connected me Out of US.And stoled my privet Information.Shame on Your CEO at Philadelphia. May God bless Synchrony Bank Working with Sam's Club.

Say goodbye to your credit score.
I’ve paid everything off and then they ran it as a missed payment twice which tanked my credit. It’s a shady business. they don’t solve anything either. I even paid higher than the minimum payment and they closed my account. So. No. I Highly don’t recommend.

The Synchrony company that handles Lowes credit cards are loan sharks it appears. They handle the credit cards for Kohls too and closed our credit card with Kohls too. We always pay our credit cards off on time. We have never had a similar issue with other credit cards. We mail our payments a week and 1/2 ahead of time and they almost always say it was late and charge a ridiculous amount fees and interest that is sometimes more than the actual amount we charged that they say arrived 2 days late along with paper fees they added a few years back. After cancelling the credit card with Lowes, Adam at the Synchrony who was rude did not hang up so it wouldn't go to the survey option. After I didn't hang up for about 5 minutes, he transferred me back to the queue at Synchrony. I then called Lowes customer service to report the issue and file a complaint, and the lady put me on hold several times for about 10 minutes and then said she was going to transfer me to the credit center to file the complaint. I said, "you are not transferring me to Synchrony". She said no, but sure enough, that is where she transferred me to. I have been a Lowes for decades and spent 10s of thousands of dollars there. I will likely be going to Home Depot mostly going forward and certainly not using Synchrony for any credit needs.

Predatory and overly aggressive. No, they won't work with you for any reason. Yes they will do their best to ruin you. I speak from multiple unfortunate experiences with them.

This is the worst bank I have ever experienced regarding customer service. They need to gut that team. The 'contact agent' and 'chat' does nothing but put one on a virtual assistant that was apparently designed in the early 90's. No help what so ever with the most basic requests. Very frustrating. I have complained about this for several years with no improvements.

I attempted to go paperless, but the process was the worst I have ever attempted to usr. I am paperless with 8 other accounts but it was impossible to navigate. I have never had to submit photos of my credit card and based . I attempted this process 5 times but just as I was nearing the end, I was kicked out and all info was lost . I would not recommend tour company to anyone. I will pay the processing fees just to end my association with you.

Synchrony Bank has been one of the most frustrating and disappointing financial institutions I have dealt with. They reduced my credit limit without properly notifying me, and this is not the first time they have done this. They have repeatedly reduced limits on other cards as well, which directly impacts credit utilization and can negatively affect a customer’s credit profile.

What makes it worse is the lack of transparency and accountability. Customers should not have to randomly discover that their available credit has been reduced. A bank should clearly communicate decisions that affect someone’s credit, especially when those decisions can have financial consequences.

At this point, I refuse to sit quietly and allow Synchrony Bank to keep making decisions that affect my credit without proper notice or a clear explanation. Their practices feel unfair, careless, and completely disrespectful to customers who rely on accurate account information and responsible communication.

Based on my experience, I would not recommend Synchrony Bank. If they are willing to reduce credit limits without proper communication, customers should think twice before trusting them with their credit accounts.

This is by far the worst consumer credit company I have ever dealt with. I opened a LOWE's account (Lowe's Synchrony cost you a customers) and was give an $9000 line of credit.

My first purchase of $274 was processed, then an hour later I received a notice saying there was a problem with the payment - come to find out the declined $2.52 of the charge - why - well nobody at Synchrony could answer that questions.

They told me to cancel the order and redo the order.

Card Declined - called them back was told to do an ID verification - called them back with the passcode. Told to redo the order.

Card Declined - called back was told that I had to wait for a letter, and then I would have to send them documents - I told them to close my account - she argued with me for 15 more minutes- I finally told her to stop talking and close the account.

I will NEVER EVER EVER do business with SynchronyBank, nor any vendor that tries to use them for their consumer credit function .

What a piece of crap.

The worst Bank in the history of Banking!!! Shame on them on how they are doing customers period especially when a customer has never been late ever and closing accounts after they are paid off or losing your Credit limits where it makes it look like you are going over your credit when I have not the Bank is doing this and then letting you know after they do it but it is too late because the credit bureau let me know AND I COULD PROBABLY WRITE A BOOK ON THE SHAMEFUL TACTICS SYNCHRONYBANK IS DOING TO CUSTOMERS MAYBE WE SHOULD ALL GET TOGETHER AND SEEK LEGAL ADVICE. PLEASE BEWARE OF THIS CROOKED BANK PERIOD!!!!!!!!

Just about every month I pay my full credit card statement balance; average of $6k. The last two months the bank has held on to my payment before allowing access to the funds for 2-3 weeks. Customer service claims it is because I paid a large amount so fraud is alerted. It is clear, however, the funds are out of my bank and paid. Customer service is rude and blatantly lies to justify the hold. This is at a minimum unethical business practice to hold on to payments for several weeks without access to the funds. And inconvenient to not have access to your own money and punished for paying the full balance.