Contact MySynchrony Support

by Eric.Chi.Howard

I have paid my payments on time plus an additional payment towards my principal every other week for over a year. And every 3 months they review your credit score and then lower my credit with them to the current statement which then makes my available credit with Synchrony Bank to $0, which then reflects to the credit bureaus that I have max out my credit with this company to 100% dropping my credit score down 30+ points every time. They say they send out a letter but that is not true. And even if they do, so what. The point is that Synchrony Bank is the one who is hurting my credit score. This is the only account I have that does this. Their underwriting department does not care that you pay your bill on time plus an additional full payment within the same billing cycle consistently. They don’t “REVIEW” your account like they say. They look at a number and determine from there. I pay all my bills on time with every account. The reason my credit score drops is due to them lowering my credit line to the current balance, making my revolving credit lower, and maxing out my available credit. That then leads to my available credit ratio increasing across all my accounts, lowering my credit score.

Stay away from this bank. They do not truly “value you as a customer”. I honestly do not want to shop at Sweetwater anymore bc they use this bank for financing.

by Zanesworld1

I’m leaving this comment on here because I can’t get an answer from anyone on the phone. How contradictory is it for me to open the app to make a payment and I’m instantly hit with a message about how you’re doing your part to be there for your customers during this pandemic BS then continue on only to find out that my account (which is not close to its limit, is current on payments, and has a good payment history) has been closed without even a notification? And as I write this- without an explanation as well. Of the almost 2 years I’ve had this account, NOW is probably when I would need it most. Seems completely opposite of being there for someone- and I’m not even ASKING for anything! Even when society runs ‘normally’ your business actions here are ridiculous. There’s still a balance on the card that you’ve closed- should this be some sort of credit score issue or anything unrelated to this account - I could imagine it being hard to collect on it. Just sayin. I hope during this time of uncertainty, you all aren’t blowing flowers up everyone’s a__ while you close accounts from anyone that’s unfortunate enough to feel the repercussions of government shutting down the economy. Thanks Syncrony- thanks for nothin!

by SNassar98

I had gotten this card for a very good reason. I had been paying my payments on time sometimes extra. I went through a time when every single time I tried to log in on the app or on the website it would tell me that i couldn’t and to try again later. So many attempts and nothing. Eventually i was able to log in but only to see a 300 dollar fee for no reason then like 40 dollar charges every few days. I had been patient about this and asked for a few weeks now to get those fixed so i can continue paying the account off. But while I get emails just saying “we’re so sorry how can we help” over and over again after I tell them exactly what my problem is but i get the same answer. I told you guys how to help me why am i being charged and asked the same questions again and again. I do not know how to fix this. All of a sudden the card is up hundreds of dollars than when I was able to log in. It’s ruining my credit score and just stacking so much debt on me. I need this fixed ASAP. And I really loved this service but now it’s just caused me so much stress.