topic Re: Sync Question in Credit Cards

Sync Question

adamkingadam — Fri, 08 Jul 2016 20:54:17 GMT

Thankfully my accounts have not been locked yet, but I was curiousm if they locked you out of your online account, how do they expect you to make payments if you are paperless and you always make payments online?

Re: Sync Question

Anonymous — Fri, 08 Jul 2016 21:09:26 GMT

Push from your bank account

Re: Sync Question

adamkingadam — Fri, 08 Jul 2016 21:11:11 GMT

@Anonymous wrote:
Push from your bank account

Even if auto-pay is not setup?

Re: Sync Question

ohreally7654 — Fri, 08 Jul 2016 21:11:22 GMT

@adamkingadam wrote:
Thankfully my accounts have not been locked yet, but I was curiousm if they locked you out of your online account, how do they expect you to make payments if you are paperless and you always make payments online?

Well that is a great question. I thought of that, too, and actually called them this morning (I had all my accounts frozen last night after I added an AU to one of my cards earlier that day). I asked them if they can tell me if a payment was set up for next week on my Walmart card (it's due on the 17th but always pay early). Anyway, they told me after passing me to two different departments that due to the nature of the freeze on my accounts, they cannot even see that information! WHAT??!!!!! Yeah, this is REALLY awesome Synchrony!!! I mean, it's one thing to not be able to use your cards. But to cut off access even to employees, to not be able to view any account information at all, this is really outrageous

Re: Sync Question

RonM21 — Fri, 08 Jul 2016 21:21:26 GMT

Hopefully, you won't have to worry about it, but it was a good question I hadn't thought about.

Re: Sync Question

Creditplz — Fri, 08 Jul 2016 21:32:33 GMT

I actually owe $15 on my Ebates and I've tried paying it twice and they tell me they can't do it... I was told I should know the outcome of my accounts by Monday and it's not due till 7/22... But with Synchrony you never know...

Re: Sync Question

Anonymous — Fri, 08 Jul 2016 21:33:57 GMT

@adamkingadam wrote:
@Anonymous wrote:
Push from your bank account
Even if auto-pay is not setup?

Yeah you shouldn't need auto pay, depending on the bank. You can go into bill pay and make one time payments, just input the account number, etc.

Re: Sync Question

ddemari — Fri, 08 Jul 2016 21:40:18 GMT

Or make a payment over the phone using your checking account?

Re: Sync Question

adamkingadam — Fri, 08 Jul 2016 22:01:09 GMT

@RM21 wrote:
Hopefully, you won't have to worry about it, but it was a good question I hadn't thought about.

This all sounds like a pain in the ..... If they come for my paid Kohls card with a $300 limit that has never seen a CLI in 4 years, they can have it!

Re: Sync Question

Anonymous — Fri, 08 Jul 2016 22:17:43 GMT

pushing all cc payments from bank is far simpler than logging into numerous accounts and doing them individually.

Re: Sync Question

Anonymous — Fri, 08 Jul 2016 23:42:33 GMT

@adamkingadam wrote:
@RM21 wrote:
Hopefully, you won't have to worry about it, but it was a good question I hadn't thought about.
This all sounds like a pain in the ..... If they come for my paid Kohls card with a $300 limit that has never seen a CLI in 4 years, they can have it!

The Kohl's card is issued by Capital One.

Re: Sync Question

Anonymous — Sat, 09 Jul 2016 03:33:08 GMT

Yea the chances of adverse action from Capital One are slim to 0%

Re: Sync Question

UncleB — Sat, 09 Jul 2016 13:53:51 GMT

If I were impacted by the account freeze, the first thing I would do is contact them about being taken off paperless billing... without account access the only way to get a bill is through the mail.

Logically they should do this automatically when they freeze someone's account, but we know the way things work isn't always logical.

Most banks have a free bill pay service with your checking account; you don't get 'instant' credit like you might when paying from a issuer's site, but I've found it to be very reliable and with Synchrony in particular the payments are usually credited within 2-3 days. Also in the event you mis-key something the worst that can happen is that the payment goes nowhere; you simply have to 'fix' your mistake and resubmit. On the other hand, if you make a mistake entering your checking account info on the card's website, it is generally treated like an NSF.

If paying from your bank's bill pay isn't an option (or if there is a fee involved) I would do as ddemari suggests and make a payment over the telephone.

In any case, it shouldn't be too much trouble to get your payment to them.

(Note that I'm still hoping for a quick resolution for the folks who have been recently impacted.)

Re: Sync Question

Anonymous — Sat, 09 Jul 2016 17:01:15 GMT

@UncleB wrote:
If I were impacted by the account freeze, the first thing I would do is contact them about being taken off paperless billing... without account access the only way to get a bill is through the mail.

Logically they should do this automatically when they freeze someone's account, but we know the way things work isn't always logical.

Most banks have a free bill pay service with your checking account; you don't get 'instant' credit like you might when paying from a issuer's site, but I've found it to be very reliable and with Synchrony in particular the payments are usually credited within 2-3 days. Also in the event you mis-key something the worst that can happen is that the payment goes nowhere; you simply have to 'fix' your mistake and resubmit. On the other hand, if you make a mistake entering your checking account info on the card's website, it is generally treated like an NSF.

If paying from your bank's bill pay isn't an option (or if there is a fee involved) I would do as ddemari suggests and make a payment over the telephone.

In any case, it shouldn't be too much trouble to get your payment to them.

(Note that I'm still hoping for a quick resolution for the folks who have been recently impacted.)

Or you could go really old school and mail a check LOL.

Re: Sync Question

UncleB — Sat, 09 Jul 2016 18:55:09 GMT

@Anonymous wrote:
@UncleB wrote:
If I were impacted by the account freeze, the first thing I would do is contact them about being taken off paperless billing... without account access the only way to get a bill is through the mail.

Logically they should do this automatically when they freeze someone's account, but we know the way things work isn't always logical.

Most banks have a free bill pay service with your checking account; you don't get 'instant' credit like you might when paying from a issuer's site, but I've found it to be very reliable and with Synchrony in particular the payments are usually credited within 2-3 days. Also in the event you mis-key something the worst that can happen is that the payment goes nowhere; you simply have to 'fix' your mistake and resubmit. On the other hand, if you make a mistake entering your checking account info on the card's website, it is generally treated like an NSF.

If paying from your bank's bill pay isn't an option (or if there is a fee involved) I would do as ddemari suggests and make a payment over the telephone.

In any case, it shouldn't be too much trouble to get your payment to them.

(Note that I'm still hoping for a quick resolution for the folks who have been recently impacted.)
Or you could go really old school and mail a check LOL.

LOL... I was actually going to suggest that, but I figured I would be laughed/heckled off the thread for even mentioning it!

Re: Sync Question

Anonymous — Sat, 09 Jul 2016 19:02:31 GMT

@UncleB wrote:
@Anonymous wrote:
@UncleB wrote:
If I were impacted by the account freeze, the first thing I would do is contact them about being taken off paperless billing... without account access the only way to get a bill is through the mail.

Logically they should do this automatically when they freeze someone's account, but we know the way things work isn't always logical.

Most banks have a free bill pay service with your checking account; you don't get 'instant' credit like you might when paying from a issuer's site, but I've found it to be very reliable and with Synchrony in particular the payments are usually credited within 2-3 days. Also in the event you mis-key something the worst that can happen is that the payment goes nowhere; you simply have to 'fix' your mistake and resubmit. On the other hand, if you make a mistake entering your checking account info on the card's website, it is generally treated like an NSF.

If paying from your bank's bill pay isn't an option (or if there is a fee involved) I would do as ddemari suggests and make a payment over the telephone.

In any case, it shouldn't be too much trouble to get your payment to them.

(Note that I'm still hoping for a quick resolution for the folks who have been recently impacted.)
Or you could go really old school and mail a check LOL.
LOL... I was actually going to suggest that, but I figured I would be laughed/heckled off the thread for even mentioning it!

OMG Checks! Of course!