topic Re: It's Official, Synchrony's A Giver! PPMC APR Reduction in Credit Cards

It's Official, Synchrony's A Giver! PPMC APR Reduction

ocheosa — Fri, 15 Nov 2019 18:23:15 GMT

I'm so happy with Synch! Received a nice email from Synch informing me PP MC APR has been reduced to 15.99% (was 28.99%) !!

December marks 2yrs and next week is my 3 mo CLI call in date, hoping for positive results ! ISynchrony !

While Disco and TD Bank have been playing hard to get, Synch has nailed it down with a formal proposal: on bended knee, flowers in one hand and ring box in the other. A few others have also shown great promise. Next year or so should prove interesting. May hit my 300k goal more sooner than later.

Current DP's in sig.

Have a wonderful w/e MF Family!

Re: It's Official, Synchrony's A Giver! PPMC APR Reduction

coreyb80 — Fri, 15 Nov 2019 18:37:03 GMT

Congrats on the APR reduction!

Re: It's Official, Synchrony's A Giver! PPMC APR Reduction

AllZero — Fri, 15 Nov 2019 18:49:39 GMT

Congratulations on your APR reduction!

Re: It's Official, Synchrony's A Giver! PPMC APR Reduction

Anonymous — Fri, 15 Nov 2019 19:14:13 GMT

Nice decrease, congrats!

Re: It's Official, Synchrony's A Giver! PPMC APR Reduction

staticvoidmain — Fri, 15 Nov 2019 19:40:38 GMT

I had the same email. They reduced mine to 12% something (I never really paid attention to it, but nice to know). It was also in the 20 plus % for me. I thought it was because I have not put much spend on it for the past couple of months, and outright sock-drawered it last month.

Re: It's Official, Synchrony's A Giver! PPMC APR Reduction

AverageJoesCredit — Fri, 15 Nov 2019 20:15:05 GMT

Congrats buddy! Mine was reduced to 12.99 Happy Holidays🎄

Re: It's Official, Synchrony's A Giver! PPMC APR Reduction

ocheosa — Fri, 15 Nov 2019 20:20:17 GMT

Thanks Fam and Congrats to all shown Synch Love this Holiday Season !

Re: It's Official, Synchrony's A Giver! PPMC APR Reduction

Anonymous — Fri, 15 Nov 2019 23:52:34 GMT

Congrats!

It is looking like this card may be a keeper card after all. Sync is really stepping up to the plate!

Re: It's Official, Synchrony's A Giver! PPMC APR Reduction

M_Smart007 — Fri, 15 Nov 2019 23:53:45 GMT

Congrats on a Great APR decrease!!!

Re: It's Official, Synchrony's A Giver! PPMC APR Reduction

M_Smart007 — Fri, 15 Nov 2019 23:55:03 GMT

@Anonymous wrote:
Congrats!

It is looking like this card may be a keeper card after all. Sync is really stepping up to the plate!

I do find it shocking!

Re: It's Official, Synchrony's A Giver! PPMC APR Reduction

Anonymous — Fri, 15 Nov 2019 23:58:37 GMT

@M_Smart007 wrote:
@Anonymous wrote:
Congrats!

It is looking like this card may be a keeper card after all. Sync is really stepping up to the plate!
I do find it shocking!

As do I!

Its also shocking that they appear to have given all of their existing cardholders 0% until April 5th on new purchases. I am not brave enough to test it though, don't need to be on the phone arguing with them.

If Sync institutes a lock option on their website, they could be forgiven for not having an app for their majors. I really don't understand why the Sync Financial app for their cobrands is so good but they can't make one for their majors.

Re: It's Official, Synchrony's A Giver! PPMC APR Reduction

OmarGB9 — Sat, 16 Nov 2019 00:00:28 GMT

Grats and nice decrease!

Re: It's Official, Synchrony's A Giver! PPMC APR Reduction

ocheosa — Sat, 16 Nov 2019 01:18:01 GMT

@Anonymous wrote:
Congrats!

It is looking like this card may be a keeper card after all. Sync is really stepping up to the plate!

Agreed! While gardening I planned to spend time requesting APR reductions so this was a very nice surprise !!

Re: It's Official, Synchrony's A Giver! PPMC APR Reduction

steelers1 — Sat, 16 Nov 2019 02:00:01 GMT

Same here mine was 21.9% down to 15.9%

Doesn't really matter since I NEVER carry a balance with them however it was a nice move on their part.

Re: It's Official, Synchrony's A Giver! PPMC APR Reduction

ocheosa — Sat, 16 Nov 2019 16:07:39 GMT

@steelers1 wrote:
Same here mine was 21.9% down to 15.9%

Doesn't really matter since I NEVER carry a balance with them however it was a nice move on their part.

I don't think anyone would carry a balance (outside intro 0%) with reward cards as it defeats the purpose. PP MC has been my go to for two years, just switched up to meet SUB spend but it will remain in my top 5.

Re: It's Official, Synchrony's A Giver! PPMC APR Reduction

Meanmchine — Sat, 16 Nov 2019 05:13:32 GMT

Good luck in your goal of hitting $300k

Re: It's Official, Synchrony's A Giver! PPMC APR Reduction

ocheosa — Sat, 16 Nov 2019 05:46:41 GMT

@Meanmchine wrote:
Good luck in your goal of hitting $300k

Thank you, appreciate the support!

Re: It's Official, Synchrony's A Giver! PPMC APR Reduction

KLEXH25 — Sun, 17 Nov 2019 04:59:29 GMT

I noticed the 0% until April in my offers as well, but when I click on it, it just goes to a shopping portal. Is the 0% automatic then?

ETA: My last statement recently posted and it only mentions my regular APR (no mention of 0% except on the website).

Re: It's Official, Synchrony's A Giver! PPMC APR Reduction

Anonymous — Sun, 17 Nov 2019 05:49:24 GMT

@KLEXH25 wrote:
I noticed the 0% until April in my offers as well, but when I click on it, it just goes to a shopping portal. Is the 0% automatic then?

ETA: My last statement recently posted and it only mentions my regular APR (no mention of 0% except on the website).

Yes according to the rep I spoke with, it's automatically been applied to all existing PayPal Cashback accounts.

Re: It's Official, Synchrony's A Giver! PPMC APR Reduction

Anonymous — Sun, 17 Nov 2019 23:58:59 GMT

@ocheosa wrote:
I don't think anyone would carry a balance (outside intro 0%) with reward cards as it defeats the purpose. PP MC has been my go to for two years, just switched up to meet SUB spend but it will remain in my top 5.

I think you'd be surprised how many people are paying annual fees and paying interest on rewards cards.