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I have a Guitar center card which originally started as owned by Capital One and then they switched everything to Synchrony. I never had one problem, complaint, fee, or anything negative when it was owned by Capital One.

Every since it switched there have been fees, credit limit drops, and they "don't know why". Don't ever EVER use this bank and if you can get away from it don't open a card owned by them either. They will screw you over and not do anything to correct their issues. I went from a $2k credit limit to $500 in a matter of a couple months which is a horrible hit on your personal credit score.

Then they wanted to charge me fees for being over the limit in which THEY dropped to begin with when I wasn't over the limit before they dropped the limit. Ridiculous!!

Product or Service Mentioned: Synchrony Financial Credit Card.

Reason of review: Bad quality.

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This has been very helpful. I am seeing a decrease in my credit line which is affecting my credit score.What protection you consumer have from a company like this.

to In Disbelief #1498549

The only real protection a consumer has against a credit drop as a result of the lowering of available credit is to NOT BASE their score on credit utilization only.That's it... This bank and others are not in the business to help you raise your score by sitting on unused credit.If you do not use your credit, they will lower yours and give it to someone who will use it and make them money.If a lowering hurts your credit, chances are your overall file needs hard work and probably time to straighten out.Do not rely on a portfolio full of store cards to keep your score up on a long term basis. If you're going to play this game, do what you need to do while your score is up before the bubble pops.

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