@Anonymous wrote:
I opened a Wal-Mart and Belk's credit card about a month ago and charged about $125 to each card. i paid half of the balance off 2 weeks ago with no issues so i figured i would go ahead and pay the remaining balance to $1 before the statement cuts. BAD IDEA!!! The money was taken from my bank account friday but i was not given the credit to my available balance. Called in to speak with a csr agent and she was beyond rude. She told me that Synchrony does not like consumers paying multiple payments during a billing cycle and i had earned myself a 5-day hold on funds. She further stated that if i keep doing it, the hold can be placed for up to 21 days and my accounts could be closed. Synchrony seems like a preditory lender to me. I just might close both accounts with them. This is unreal.
I wish that had not happened to you. I had something mildly similar happen to me with another bank, and while upset., thought about not using their card. I realized my emotion was factoring into that thinking more than logic, and as time passed, so did my thoughts of trying to spite that bank, possibly at my own expense. As others may have said, it can be helpful to keep your eyes on the prize, and factor in how your response to this could potentially effect your goal(s).
Again, it's your decision and we like to do what will make us happy, but sometimes it's helpful to think how our immediate actions can have an effect on long term happiness. Nobody can really tell you what the right move is for your own inner wellbeing, but we can try to help you think of the possible consequences of either decision. Whatever you decide, I wish you success on your journey and will gladly lend support when I can.
