Nitrov, I'm no huge fan of Synchrony, due to the interest rates they've charged me across the board, even after many years of always paying on time and far more than the minimun on all accounts: JC Penny, Brandmart, and Care Credit that I have 6 more months to pay off before all of that accrued interest, again 29.9, hits. I'll either pay it off or transfer it.
Until the near repo/modification comes off of my credit, which won't be for another 3 years, I'm doomed to paying higher interest on what credit I acquire, i know, but Synchrony was ridiculous! But for Lowe's special financing on larger purchases, I wouldn't have done it. Everything Synchrony was either paid off (Victoria Secret that I used only once for a purchase under $50) or balance transfered to 0% cards (JC Penny and Brandsmart). I'm learning, slowly but surely; and again thanks to all of you guys!
