Leave a Review MySynchrony
Worst Customer Service
My payment was due on the 13th even though they’ve never sent me a notice about when my payment is due, I went ahead and made a late payment on the 15th. On the 18th I paid off the account completely. Here it is on the 22nd and they had the nerve to charge me additional interest even though my next payment wasn’t due until June and the account was paid off prior to this. I paid the additional interest and closed my account today and will stick with more reputable creditors from now on. This was by far the most expensive and unnecessary credit card I’ve ever opened. Be warned, the high interest rate and poor customer service make this credit card company an inconvenient headache.Show lessJD103111
Easy to use and navigate
The Synchrony app is easy to use and navigate. I’ve been paying my bill every month so I can continue to receive the no interest on my furniture I purchased. I wish I could get all of my Synchrony accounts on this app but it only seems to have my accounts which are furniture/appliances related. I’m sure if I call CS they can tell me if I can add the other accounts, they are very helpful when I’ve had other issues or questions.Show lessIGirl64
Huge security flaw
Was very excited to open a Synchrony account but there was a major security flaw with account verification. There were two phone numbers automatically assigned to account for verification, one my cell and the other unrecognizable. So I called thinking I could just request them remove that number, but they said they couldn’t because that information was supplied by a 3rd party. Naturally, next question was ‘who’s the third party so I can contact them to resolve’ to which the bankers response was ‘we cannot provide the third party that provided the phone number’. What if someone that’s not me used the unauthorized number for account verification and I subsequently lost all money?
I immediately cancelled the transfer and lost $35 for having to stop payment. So the agent didn’t assist with removing foreign number, canceling transaction, or providing information for third party.
Save the $35 and security risk!Show lesscassietamara
Love it!
Synchrony card has made it easy to buy furniture and pay in payments not having any interest rates! Having the App on my phone is a Plus because it will show you when the next payment is due and how much left you have to finish on your pymnt. As well as your payment history.JessRamirez81
Thrives!!!
I have a 1500 credit limit on my card and over a period of time I maxed it out because of a sick animal. Every month for a few months I would pay 60 on my account and then I’d get the statement saying my account was over its limit. I went to the bank applied for a loan paid it off and they sent me another bill for $32 and some odd change. I had forgot and paid it twice and they took my $32 credit. Then you can’t get anyone on the phone. If your trying to work on your credit stay away from any place that deals with SYNCHONY BANK. YOU'LL GET RIPPED OFF EVERY TIME. CAPITAL ONE IS A GOOD CARD and they don’t gauge you with interest.Show lesswimmy@123
Shady financial institution
This has nothing to do with app functions, but how the company functions as a financial institution. I’ve had a credit line with them for over a year now and completely dissatisfied with their handling of my account. I’ve never missed a payment nor have I made ANY late payments, payments also being well over my minimum requirement. I open my account app and they’ve deducted over $1,000 of my credit limit without any notice. This has now lead to a credit loss and credit usage increase that has dramatically decreased my score. I’ve read some reviews and this is typical of them. It’s not a credit rebuilding phase for me by any means, but I wanted to share what I’ve been dealing with using their services. In a nutshell they’re a headache and applicant beware!Show lesssmagufff
It’s just ok
I’ve accidentally made double payments several times because unless I’m totally missing something right in front of my face, it doesn’t tell you that a payment is already pending for the due date. So I panic, unable to remember if I already submitted payment not wanting a late fee and then see the double charges from my bank. I think sometimes it says $0.00 due, but no payment shows up in the transaction history and hasn’t gone out of the bank yet and it’s confusing.Show lessHuihys76
Frustrated by high rate for low tech
I have several synchrony accounts. The thought of having all in one app to track and make payments was extremely appealing. The app WILL NOT let me add an additional account for a one stop shop. I clicked to go to the main site online and it still won’t let me add an account. When I click Add Account it takes me to my profile and has forced me to update my info 3 times even though my info hasn’t changed. I keep going in a big circle. It’s frustrating and a huge waste of time. I won’t continue to use this app. It’s faster to log into separate sites to track and pay than to mess with this lousy app.Show lessLow tolerance for lousy App
So simple to use
Love the app! Love being able to see everything about my account and make minimum payment or pay a larger amount if I wish to do so. Also, like the fact that I can see when my Promotional balances are due to make sure they are paid in full prior to Maturity Date so I don’t have to pay any accrued interest.Show lessMagicmimi55
Don't waste you time! Go online instead of...
Downloading this "App". This app USED to work. I was happy when I found this app and had wished I knew about it 2 years earlier when I had another retail acct. associated with this bank. Then before these "unprecedented times" occurred, I had applied for another cc account associated with Synchrony and I was happily and conveniently paying down my account until about 5-6 months ago. When I attempted to make a payment, there was an 800 number and a website, I think.
I'm so frustrated right now that I don't even remember what was on there.
I EVEN deleted the app and reinstalled it again and still to no avail.Show lessjedi4gvn
