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.