Closed Amazon synchrony

[Anonymous]

So I decided to close my Amazon synchrony card. 

Why? The fact they never bothered to send me a paper bill saying $0 owed two months in a row even tho I asked for paper statements.

Also having to log in weekly to check my balance to make sure there isn't any fraudulent charges. Also, I never really used this card and didn't plan to anytime soon. I don't have prime. Likely was going to closed for non usage so figured just cut to chase and do it now. 

On top of all that I feel better my credit report showing I closed the account vs it showing they closed the account. 

To add insult to injury synchrony can't even report the card type correct on my credit report. They reported it as a Charge Card and not a credit card... 

At the end I collected a $120 SUB for it so why I applied in the first place. 

Yes, I'm fully aware of the impacts closing an account can have. 

[Jnbmom]

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@Anonymous wrote:

So I decided to close my Amazon synchrony card. 

Why? The fact they never bothered to send me a paper bill saying $0 owed two months in a row even tho I asked for paper statements.

Also having to log in weekly to check my balance to make sure there isn't any fraudulent charges. Also, I never really used this card and didn't plan to anytime soon. I don't have prime. Likely was going to closed for non usage so figured just cut to chase and do it now. 

On top of all that I feel better my credit report showing I closed the account vs it showing they closed the account. 

At the end I collected a $120 SUB for it so why I applied in the first place. 

Yes, I'm fully aware of the impacts closing an account can have. 

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You don't get paper statements mailed if you have a ZERO balance . I like my amazon card but it's not for everybody and if you didn't like it then can't blame you for clsoing

. As you stated you are fully aware of the impact so I won't go any further....................................................

[Anonymous]

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@Jnbmom wrote:

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@Anonymous wrote:

So I decided to close my Amazon synchrony card. 

Why? The fact they never bothered to send me a paper bill saying $0 owed two months in a row even tho I asked for paper statements.

Also having to log in weekly to check my balance to make sure there isn't any fraudulent charges. Also, I never really used this card and didn't plan to anytime soon. I don't have prime. Likely was going to closed for non usage so figured just cut to chase and do it now. 

On top of all that I feel better my credit report showing I closed the account vs it showing they closed the account. 

At the end I collected a $120 SUB for it so why I applied in the first place. 

Yes, I'm fully aware of the impacts closing an account can have. 

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You don't get paper statements mailed if you have a ZERO balance . I like my amazon card but it's not for everybody and if you didn't like it then can't blame you for clsoing

. As you stated you are fully aware of the impact so I won't go any further....................................................

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TD Bank/Target gladly sends me paper statement showing a $0 balance owed. Perhaps it's because I pay it down to $0 and don't let a balance report?  

[yapsalot]

Good riddance. They are a subprime lender more interested in generating fees than growing a long-term relationship that is mutually beneficial.

[Jnbmom]

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@yapsalot wrote:

Good riddance. They are a subprime lender more interested in generating fees than growing a long-term relationship that is mutually beneficial.

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Fees? I pay no fees and have a 10K line, far from the definition of "subprime".

[TSlop]

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@Anonymous wrote:

Also having to log in weekly to check my balance to make sure there isn't any fraudulent charges.

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I'm not questioning you for closing it at all, but I'm curious about this statement. Wouldn't you do this for all cards (I do)? Are you just saying it is a hassle to make sure to check 1 more card every week, or is there higher risk of fraud with this card?

[Shooting-For-800]

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@yapsalot wrote:

Good riddance. They are a subprime lender more interested in generating fees than growing a long-term relationship that is mutually beneficial.

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As someone with $80k TCL with them, I completely disagree with this statement.

OP - why not just view your statement and/or balance online and print it out or save as pdf?

[GApeachy]

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@Anonymous wrote:

They reported it as a Charge Card and not a credit card... 

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It was a credit card?  You could use it anywhere? 

[kdm31091]

If there is no activity on an account and thus 0 balance, you won't get a statement, printed or digital. This is standard from what I have experienced with several banks.

If you had activity but then paid it down to 0 before the statement, yes, you should still recieve a statement. But with no activity at all and no balance there's no statement.

[Rudy1]

This is super common in banks for example Citi Retail Bloomingdales does not store statements if no balance. Why would they do that there is no activity. Also if you don't want them to say charge card call them ask them to change it. In the end it is your opinion.