topic Re: Synchrony 2% MasterCard Beware!!! in Credit Cards

Synchrony 2% MasterCard Beware!!!

Anonymous — Tue, 24 Dec 2019 15:10:46 GMT

Hello everyone!
I recently received a mail offer for Synchrony 2% MasterCard with following terms:
0% apr for 1 year
19.49% apr after
3% foreign transaction fee
2% cashback on everything via monthly credit
$150 bonus, when spend $1500 in the first 3 months.

So I applied and received instant approval for SL $7,000. They pooled Experian and my fico was around 732.

A week later, I received the card. Also this card is NOT world MasterCard!!!
I installed Synchrony Bank Financial App through Apple store and tried to setup my new account. Error. Error. Error!

So I decided to call customer service number on the back of the card. I was notified that this Synchrony 2% MasterCard does NOT have an application. Are you serious? And that they will change $10 if I need to make a payment on the phone. Wow!!!??? Ok, they don’t even have a dedicated website for this card and you need to go to reviewmyaccount.com
I did not realize that Synchrony Bank is so behind on technology. I talked to one of the managers name Craig or Creig (he said that he also uses to manage the Toys-r-us card) and that nobody ever complained about not having the application. He said that we they will need more complaints before they will make one. Folks, please call the phone number on the back of your card and ask to talk to Creig !!! He will make formal complaint! So far this is my first credit card that I have to go to strange website to access my card. Not happy. Please help to make things better for everybody. Thank you

Re: Synchrony 2% MasterCard Beware!!!

Remedios — Tue, 24 Dec 2019 15:32:02 GMT

Hi OP

I'm sorry you just found out about this. It's kinda well known fact. It annoys some, some are fine with it. Most people who need 2% cash back card find the annoyance to be tolerable if they dont have or dont want similar product from other lenders.

Just like everything else in life, this will become "normal" to you, as you get used to it.
Calling "Craig" wont accomplish much.
Maybe their partner PayPal does not want a separate app. Synch would have to abide by their wishes as they are in no position to lose another partner. This is their bread and butter at the moment.

Just enjoy your new card, log in "strange" website and be done with it till next month.
If down the road you decide this is way too much inconvenience for you, close it or SD.

Congrats on your approval.

Re: Synchrony 2% MasterCard Beware!!!

Anonymous — Tue, 24 Dec 2019 15:38:01 GMT

Thanks for feedback. However from Craigs words that he didn’t even know that people want the mobile application. In my opinion more people call and complain about the problem that the Synchrony bank is too behind on technology and that they must do something about it to compete and keep their clients. Pick up a phone and call. Each complain counts!!! Like a vote)))

Re: Synchrony 2% MasterCard Beware!!!

KJinNC — Tue, 24 Dec 2019 15:48:26 GMT

Those who want an app should definitely bring it up, but I wouldn't expect "Craig" or "Creig" to be a decision-maker who can do anything beyond passing the feedback along (or not).

Is this a PayPal MC, or a whitelabel similar card from Sync? I ask because I don't think PPMC has a foreign transaction fee?

Re: Synchrony 2% MasterCard Beware!!!

Remedios — Tue, 24 Dec 2019 15:50:08 GMT

"Craig" works for Syncrony
You really think he's going with "yeah people complain all the time" on a recorded call.
Also, I cant even imagine what would happen to that poor person's job (if he could be identified) if bunch of customers start asking for particular person by their name.

Re: Synchrony 2% MasterCard Beware!!!

Anonymous — Tue, 24 Dec 2019 15:52:07 GMT

This is not PayPal card!
I think it used to be toys-r-us storecard then Synchrony bank converted to 2% Cash back MasterCard on everything. It does have 3% foreign transaction fees.

Re: Synchrony 2% MasterCard Beware!!!

Anonymous — Tue, 24 Dec 2019 15:57:08 GMT

Everything is possible! But if we don’t tell them that we need the mobile application, they won’t make it a priority. In my opinion is wrong and they should listen to their customers. That’s why make your voice heard! Make a difference !

Re: Synchrony 2% MasterCard Beware!!!

NRB525 — Tue, 24 Dec 2019 16:05:18 GMT

@Anonymous wrote:
Hello everyone!
I recently received a mail offer for Synchrony 2% MasterCard with following terms:
0% apr for 1 year
19.49% apr after
3% foreign transaction fee
2% cashback on everything via monthly credit
$150 bonus, when spend $1500 in the first 3 months.

So I applied and received instant approval for SL $7,000. They pooled Experian and my fico was around 732.

A week later, I received the card. Also this card is NOT world MasterCard!!!
I installed Synchrony Bank Financial App through Apple store and tried to setup my new account. Error. Error. Error!

So I decided to call customer service number on the back of the card. I was notified that this Synchrony 2% MasterCard does NOT have an application. Are you serious? And that they will change $10 if I need to make a payment on the phone. Wow!!!??? Ok, they don’t even have a dedicated website for this card and you need to go to reviewmyaccount.com
I did not realize that Synchrony Bank is so behind on technology. I talked to one of the managers name Craig or Creig (he said that he also uses to manage the Toys-r-us card) and that nobody ever complained about not having the application. He said that we they will need more complaints before they will make one. Folks, please call the phone number on the back of your card and ask to talk to Creig !!! He will make formal complaint! So far this is my first credit card that I have to go to strange website to access my card. Not happy. Please help to make things better for everybody. Thank you

While a mobile app is nice for checking bits of account activity on the go, me, as a dinosaur, prefers the big screen of a PC web site to really get things done, and to get PDF statements I can download to memorialize.

The Apple Card, as All iPhone, Only iPhone, is annoying in this regard.

Congrats on your card approval.

Re: Synchrony 2% MasterCard Beware!!!

Anonymous — Tue, 24 Dec 2019 16:31:30 GMT

Nothing to do with Apple ( I just use Apple device). Synchrony Bank must have a mobile application at least for two major mobile devices: iOS and Android. Period. Plus they do have an application already but it does not support their 2% cash back MasterCard. Why??? It’s not storecard. Why? From the representative I understood that they don’t know that the people want it. Just call them and let them know that you also want a mobile app and let Craig help you to make a formal complaint.

Plus if don’t use applications, try it. Very useful tool and you always have all information at your finger tips)))

Re: Synchrony 2% MasterCard Beware!!!

Anonymous — Tue, 24 Dec 2019 16:32:13 GMT

@Anonymous wrote:
.... I talked to one of the managers name Craig or Creig ...

I tried and got one named Greg (or Grey). He didn't think my vote would count because I don't have a card. I said it should count twice because I won't get a card until they get with the times. He said LOL, in not so many words. I said I'll LOL my business elsewhere in not so many words.

Re: Synchrony 2% MasterCard Beware!!!

Anonymous — Tue, 24 Dec 2019 16:38:29 GMT

Great!!!! Let’s get the point across)))

Re: Synchrony 2% MasterCard Beware!!!

JNA1 — Tue, 24 Dec 2019 17:26:08 GMT

There is an app and you can make payments from it, although it redirects to the PayPal to process. The app is very limited, but it does show your balance and available credit at a glance.

Re: Synchrony 2% MasterCard Beware!!!

Anonymous — Tue, 24 Dec 2019 17:37:12 GMT

This is not PayPal 2% card.
This is Synchrony 2% Mastercard.
2 completely different cards.

Re: Synchrony 2% MasterCard Beware!!!

Anonymous — Tue, 24 Dec 2019 17:44:31 GMT

People have different priorities, I would much rather have 0 FTF (as in the Paypal card) than have an app on one with a fee I understand in this case it's the worst of both worlds but apps just aren't a priority with me), as at my age (4095) I prefer a big screen to see all those little details at once.

Re: Synchrony 2% MasterCard Beware!!!

JNA1 — Tue, 24 Dec 2019 17:44:12 GMT

Oh! My bad. That sucks! The PPMC app and online banking site leaves a lot to be desired as well.

Re: Synchrony 2% MasterCard Beware!!!

M_Smart007 — Tue, 24 Dec 2019 17:56:00 GMT

"Synchrony 2% MasterCard Beware"

The app part is a big drawback, no notifications, no way to pay .. what is Synch thinking here?

Re: Synchrony 2% MasterCard Beware!!!

Anonymous — Tue, 24 Dec 2019 18:24:21 GMT

Smart phone not so smart? Just think if you had to write a check and send it via snail mail. Heaven forbid, the simple life is so dumb...but it worked.

Re: Synchrony 2% MasterCard Beware!!!

FinStar — Tue, 24 Dec 2019 18:40:16 GMT

OP, as has already been mentioned, their "financial app" is fairly limited to only certain products. Honestly, with as many SYNCB CCs I have, it doesn't make it or break it IME whether an app existed or not for the product to be functional. A matter of preference, of course.

FWIW, this specific product was never advertised nor available in a WMC version. Very few of SYNCB CCs are Visa Signature or WMC (the latter by upgrade or invite only for specific products).

But, I doubt I'd be bothering "Craig" on the upcoming holiday just to consider that option. I'd be more content and grateful with the approval 😁

Re: Synchrony 2% MasterCard Beware!!!

Remedios — Tue, 24 Dec 2019 20:17:57 GMT

Happy holidays, "Craig"

Re: Synchrony 2% MasterCard Beware!!!

Shooting-For-800 — Tue, 24 Dec 2019 20:19:06 GMT

This is still reconized as the Toys R Us MC.

I just got mine with a $15k SL and was suprised it was not a WMC or WEMC.

I never use phone apps, so it does not bother me.

Hopefully, no other issues with the card.

GL!