I got bit by Synchrony a little while back. Scores were in the 750's, life was good......then I made the fatal mistake of paying on my Amazon Store Card EARLY (which, to them, meant it was an extra payment for the previous month..my bad) I realized it about 8 hours the day after the due date. Synchrony did what they do. The started by closing my JC Penney account that had a 0 balance and had never been late. Step 2 was them cutting my Amazon card limit in half. Step 3 (which almost killed me) The took my $2000 limit on my Lowes card and cut it to $30 above my current balance then chased it after every payment! Can you say credit utilization bottomed out my score? I argued, pled my case to anyone who was dumb enough to answer my call to no avail. Last night as I was reading these forums, I thought what the heck. I reapplied for a JCP card and was approved for a small $200 limit! Emboldened, I logged into Amazon and requested my original small credit limit of $200 be restored and it was! Throwing caution to the wind, I logged into Lowes and requested my original 2k limit be restored and they actually bumped me up to 3k!! I felt vindicated!!!! Then I decided to double tap Amazon, becasue if Lowes gave me an additional 2K, shouldn't Amazon? I asked for $1000 and got it! Waited abut an hour and figured if a doube tap on Amazon worked, why not Lowes? Went back to the well with them and asked for 5k. GOT IT! I'm almost delirious at this point. Finally went to bed only to get up thinking....one more time! Asked Lowes for 10K and they came back at 6K! Now I am questioning my sanity, but feel much better about Synchrony! First time I've posted, but I've been lurking for awhile! You guys are a wealth of info.
Welcome To myFICO Forums and
Excellent!!! Congrats and welcome!
Sorry that happened to you and didn't expect the story to end in such a good way....A Happy Ending! I did not know they'd apply the pymt that way so appreciate the info. Congrats and thanks for the good read
Nice work and congrats!
@Momagain wrote:I got bit by Synchrony a little while back. Scores were in the 750's, life was good......then I made the fatal mistake of paying on my Amazon Store Card EARLY (which, to them, meant it was an extra payment for the previous month..my bad) I realized it about 8 hours the day after the due date. Synchrony did what they do. The started by closing my JC Penney account that had a 0 balance and had never been late. Step 2 was them cutting my Amazon card limit in half. Step 3 (which almost killed me) The took my $2000 limit on my Lowes card and cut it to $30 above my current balance then chased it after every payment! Can you say credit utilization bottomed out my score? I argued, pled my case to anyone who was dumb enough to answer my call to no avail. Last night as I was reading these forums, I thought what the heck. I reapplied for a JCP card and was approved for a small $200 limit! Emboldened, I logged into Amazon and requested my original small credit limit of $200 be restored and it was! Throwing caution to the wind, I logged into Lowes and requested my original 2k limit be restored and they actually bumped me up to 3k!! I felt vindicated!!!! Then I decided to double tap Amazon, becasue if Lowes gave me an additional 2K, shouldn't Amazon? I asked for $1000 and got it! Waited abut an hour and figured if a doube tap on Amazon worked, why not Lowes? Went back to the well with them and asked for 5k. GOT IT! I'm almost delirious at this point. Finally went to bed only to get up thinking....one more time! Asked Lowes for 10K and they came back at 6K! Now I am questioning my sanity, but feel much better about Synchrony! First time I've posted, but I've been lurking for awhile! You guys are a wealth of info.
just like professional wrestling huh? LOL 
@Anonymous wrote:
just like professional wrestling huh? LOL
Congrats on an incredible come back!
You may want to set up auto-pay as a fail safe precaution.