topic Re: Synchrony Strikes Again! in Credit Cards

Synchrony Strikes Again!

thundr101 — Fri, 13 Feb 2026 06:26:24 GMT

Well, I triggered the Synchrony AA monster. Went to use my Synchrony Premier Mastercard today to get gas - card declined.

Thought maybe I missed a payment or something, so check the app and sure enough every account closed.

$75,000+ in limits gone 💨 overnight

No recent credit changes or inquiries. I carried a $500 balance on the Verizon Visa card I had.

I did call Credit Solutions on 2/9 and asked if my eBay Mastercard transfer to another card product (because I already had the Synchrony Premier Mastercard). Rep confirmed my eBay card would close due to the existing Premier MC - but didn't mention any issues with my other accounts.

Not sure if this is what triggered the mass closure, but I just wanted to share.

Sync did this to me a few years years ago, and I got lucky and was able jump back on the train for years with no problems, but I flew too close to the sun (again) and I think I have had enough of the Synchrony game.

Re: Synchrony Strikes Again!

ElvisCaprice — Fri, 13 Feb 2026 15:59:38 GMT

yes, I avoid them like the plague. There are always alternative issuers that reward the same or better. Their SUB's are sub par. I have no reason, whatsoever, to go there.

Re: Synchrony Strikes Again!

Lou-natic — Fri, 13 Feb 2026 10:31:45 GMT

@ElvisCaprice wrote:
Just no reason, whatsoever, to go there.

Maybe for you... but Synchrony works just fine for me. However I don't go get as many of their cards as possible even though there are a couple more I wouldn't mind having such as the Lowe's and Harbor Freight cards. Of course I also don't want to end up like OP either. I kind of want to replace my "generic" Car Care card with the Summit Racing version but not sure how they would handle that.

The big thing about Synchrony is don't go out and grab like 5+ cards and then spam the LUV button until you get the maximum limits and then cry about it on the forums when they close you down. People know better but do it anyway, go figure.

Re: Synchrony Strikes Again!

Ushio — Fri, 13 Feb 2026 12:58:10 GMT

The ridiculous frequency with which this happens almost makes me glad that I cannot get a card from Synchrony.

Though it would definitely be nice to be able to pay my Verizon bill with a credit card. I hate giving them bank access. Verizon needs to find a better bank.

Re: Synchrony Strikes Again!

BallBounces — Fri, 13 Feb 2026 19:55:43 GMT

A tale as old as time ...

Re: Synchrony Strikes Again!

firefox100 — Fri, 13 Feb 2026 21:37:38 GMT

Could you give some more data points such as income and how many other cards you have outside of Synchrony bank. I have 3 accounts with a total of 70K of limits for over 15 years never had a problem with them. I do have a high intrest saving account with them. You say nothing has change in your credit reports, are you shore, they use computers and ai programs and they are checking every month to see what is going on. Synchrony is looking at more then your 3 credit reports there is some other data out their. Sorry for what happen.

Re: Synchrony Strikes Again!

user365735 — Sat, 14 Feb 2026 00:09:33 GMT

I had this happen a few weeks ago...ive closed my Amazon account already and I can't wait to close my 2%card.. lol I'm jumping with joy. I'm just waiting closer to statement closing date. There are other cards out there😁 . They cut my lines almost 80%. So bye bye 🤗

Re: Synchrony Strikes Again!

Drifter73 — Sat, 14 Feb 2026 00:41:24 GMT

Same for me last month. No closures, but they CLDed 2 out of 4 cards i have with them spiking them at 96% Utilization each when they did it, so I PIF and tossed them in the sock drawer.

I think i triggered mine with a CLI request on one of them and the other had a balance for too long I think. Guess they won't be making the interest from me on those 2 cards anymore now that i paid them off and took them out of my wallet(s).

Not a big deal, I have plenty of cards and different lenders to juggle.

Just chalking it up as part of playing the 20+ card game...

Re: Synchrony Strikes Again!

crystal626 — Sun, 15 Feb 2026 06:24:58 GMT

@Ushio wrote:
The ridiculous frequency with which this happens almost makes me glad that I cannot get a card from Synchrony.

Though it would definitely be nice to be able to pay my Verizon bill with a credit card. I hate giving them bank access. Verizon needs to find a better bank.

It's only a ridiculous frequency because people on this forum and on Reddit have very different behaviors. If you get a Sync card or two and don't request CLIs (they are pretty good about giving you autos when you use them anyway) or open a bunch of them, you won't have a problem.

The Verizon VISA is one of my favorite cards. I'm going to miss it when I leave Verizon in a few months.

Re: Synchrony Strikes Again!

ElvisCaprice — Sun, 15 Feb 2026 06:32:23 GMT

Like I said, there are better options than sync., even for the Verizon CC to pay Verizon via CC via Verizon Gift Cards. We've discussed it many times here on the forum.

Re: Synchrony Strikes Again!

crystal626 — Sun, 15 Feb 2026 07:25:03 GMT

@ElvisCaprice wrote:
Like I said, there are better options than sync., even for the Verizon CC to pay Verizon via CC via Verizon Gift Cards. We've discussed it many times here on the forum.

Gift cards are a hassle. People have reported premature expirations, problems with balances not actually being applied to the cards... I'll stick with my Verizon VISA.

Re: Synchrony Strikes Again!

ElvisCaprice — Sun, 15 Feb 2026 07:46:46 GMT

@crystal626 wrote:
@ElvisCaprice wrote:
Like I said, there are better options than sync., even for the Verizon CC to pay Verizon via CC via Verizon Gift Cards. We've discussed it many times here on the forum.
Gift cards are a hassle. People have reported premature expirations, problems with balances not actually being applied to the cards... I'll stick with my Verizon VISA.

Been buying them for the past few years, never an issue, easy to purchase and free shipping. I'll stick with the better rewards over Sync Verizon Visa.

Re: Synchrony Strikes Again!

AndrewF — Sun, 15 Feb 2026 23:21:08 GMT

@ElvisCaprice wrote:
yes, I avoid them like the plague. There are always alternative issuers that reward the same or better. Their SUB's are sub par. I have no reason, whatsoever, to go there.

The SUBs are the best part of most cards. Capital One gives you $200 to spend $500, and on a Quicksilver you'd have to spend over $13,300 to get the next $200 from Capital One through cashback.

This is why the incentive to churn bonuses is higher than the incentive to use the cards a lot once you have them.

Re: Synchrony Strikes Again!

Dilbert934 — Sun, 08 Mar 2026 16:00:17 GMT

@Lou-natic wrote:
@ElvisCaprice wrote:
Just no reason, whatsoever, to go there.
Maybe for you... but Synchrony works just fine for me.

Same here. I have Lowes, Car Care, and Chevron (40 years on this one, from college). I get discounts at Chevron, 5% off at Lowes, and 6mo free financing with the Car Care. The car care gets used a few times a year at NAPA buying oil, Antifreeze, etc just to keep it open.

Funny thing, I can also use my Car Care Card for buying Ham Radio stuff at DX Engineering. DX is owned by Summit Racing, which accepts Car Care. I decided to try it via their website one time for 6mo of their money on a new radio. Boom, went through and got the 6mo promo.