MySynchrony

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Last verified 30 Aug 2026

Shown for US

4.8 107289 ratings · App Store

1. 5/5Credit card problems

   I started out with synchrony and they were pretty good, but then they started bills of boys been paid on time every month usually more than the minimum payment for many years and they’re always lowering the balance. They do everything they can to keep your credit score. messed up. They do it deliberately, the higher or the lower your credit score the higher the interest rate they can charge you. They’re up to almost I think they’re at 36% and Lord forbid you miss a payment then it goes to over 40% if you’re trying to help your credit, this isn’t a good place to start folks. Save your effort and do something sensible this isn’t it, for me I will boycott and not buy from stores that use synchrony as a bank.

   MimiJ44 · 30 Aug 2026

2. 1/5Don’t need any more problems

   I got a card because I needed my 2 front tires replaced on my car! After reading reviews about the app, I’m thankful that I got my card paid off! Although that was somewhat of a hassle because I was sending money orders because I don’t give my bank account information to nobody! My last payment they didn’t apply to my account so when I knew it should have been there, I checked to see if it had been cashed and it was, a week before so why was it not applied to my account? I had to send them a copy of the stub as proof before they would apply it to my account! I’m wondering if it wasn’t because I told them that if I get a copy with their endorsement on it that I wouldn’t only cut up the card but I would be contacting the bbb and an attorney that it was actually applied! Now reading reviews about not being able to get logged into their account and then charging fees “after “ the bill was paid off, I’m thinking that I probably shouldn’t use it again! And if you can’t get logged in, there’s no point in using this app so I think that it’s a hard pass for me! I don’t need anymore problems with them! Update: apparently the check stub was not proof enough and they applied the amount back to my card so I’m waiting for the copy of the endorsed check! When I get that, I will definitely contact the bbb and an attorney! But regardless, I will never use that card again! I’m done!

   Nji6 · 30 Aug 2026

3. 1/5Kick em while they’re down

   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!

   Zanesworld1 · 30 Aug 2026

4. 1/5Worst bank to get credit through

   I have received cards from various banks with minimal to no issues but Synchrony is by far the worst to get a credit card through. My first card I received was for Ashley Furniture which I paid off in 6 months to get the same as cash price. The day I made my last payment they send me a letter that they are reducing my credit to $200 because of my credit score. My score wasn’t any lower than when they accepted me and who can buy anything for $200 at a furniture store? Three months later they send me another letter that they closed my account. Second card I get is for tires at Discount Tires. I paid off the $700 in 6 months to take advantage of the same as cash deal. Again, the month of my last payment they drop my limit to $250. I had that limit for a few months using the card at gas stations to show use and I paid it off every billing cycle. Today I get a letter they closed my account with the same lame excuses they gave me with my Ashley account. I can see if I paid late or maybe only made minimum payments and always kept a high balance but that was never the case. I will never get credit any synchrony backed card. Ever!

   RAMIDAVG · 30 Aug 2026

5. 1/5So much trouble

   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.

   SNassar98 · 30 Aug 2026

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