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Sync Question

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Anonymous
Not applicable

Re: Sync Question


@adamkingadam wrote:

@RM21 wrote:
Hopefully, you won't have to worry about it, but it was a good question I hadn't thought about.

This all sounds like a pain in the .....  If they come for my paid Kohls card with a $300 limit that has never seen a CLI in 4 years, they can have it!  


The Kohl's card is issued by Capital One.

Message 11 of 16
Anonymous
Not applicable

Re: Sync Question

Yea the chances of adverse action from Capital One are slim to 0%

Message 12 of 16
UncleB
Credit Mentor

Re: Sync Question

If I were impacted by the account freeze, the first thing I would do is contact them about being taken off paperless billing... without account access the only way to get a bill is through the mail. 

 

Logically they should do this automatically when they freeze someone's account, but we know the way things work isn't always logical.  Smiley Frustrated

 

Most banks have a free bill pay service with your checking account; you don't get 'instant' credit like you might when paying from a issuer's site, but I've found it to be very reliable and with Synchrony in particular the payments are usually credited within 2-3 days.  Also in the event you mis-key something the worst that can happen is that the payment goes nowhere; you simply have to 'fix' your mistake and resubmit.  On the other hand, if you make a mistake entering your checking account info on the card's website, it is generally treated like an NSF.

 

If paying from your bank's bill pay isn't an option (or if there is a fee involved) I would do as ddemari suggests and make a payment over the telephone. 

 

In any case, it shouldn't be too much trouble to get your payment to them.

 

(Note that I'm still hoping for a quick resolution for the folks who have been recently impacted.)

Message 13 of 16
Anonymous
Not applicable

Re: Sync Question


@UncleB wrote:

If I were impacted by the account freeze, the first thing I would do is contact them about being taken off paperless billing... without account access the only way to get a bill is through the mail. 

 

Logically they should do this automatically when they freeze someone's account, but we know the way things work isn't always logical.  Smiley Frustrated

 

Most banks have a free bill pay service with your checking account; you don't get 'instant' credit like you might when paying from a issuer's site, but I've found it to be very reliable and with Synchrony in particular the payments are usually credited within 2-3 days.  Also in the event you mis-key something the worst that can happen is that the payment goes nowhere; you simply have to 'fix' your mistake and resubmit.  On the other hand, if you make a mistake entering your checking account info on the card's website, it is generally treated like an NSF.

 

If paying from your bank's bill pay isn't an option (or if there is a fee involved) I would do as ddemari suggests and make a payment over the telephone. 

 

In any case, it shouldn't be too much trouble to get your payment to them.

 

(Note that I'm still hoping for a quick resolution for the folks who have been recently impacted.)


Or you could go really old school and mail a check LOL. 

Message 14 of 16
UncleB
Credit Mentor

Re: Sync Question


@Anonymous wrote:

@UncleB wrote:

If I were impacted by the account freeze, the first thing I would do is contact them about being taken off paperless billing... without account access the only way to get a bill is through the mail. 

 

Logically they should do this automatically when they freeze someone's account, but we know the way things work isn't always logical.  Smiley Frustrated

 

Most banks have a free bill pay service with your checking account; you don't get 'instant' credit like you might when paying from a issuer's site, but I've found it to be very reliable and with Synchrony in particular the payments are usually credited within 2-3 days.  Also in the event you mis-key something the worst that can happen is that the payment goes nowhere; you simply have to 'fix' your mistake and resubmit.  On the other hand, if you make a mistake entering your checking account info on the card's website, it is generally treated like an NSF.

 

If paying from your bank's bill pay isn't an option (or if there is a fee involved) I would do as ddemari suggests and make a payment over the telephone. 

 

In any case, it shouldn't be too much trouble to get your payment to them.

 

(Note that I'm still hoping for a quick resolution for the folks who have been recently impacted.)


Or you could go really old school and mail a check LOL. 


LOL... I was actually going to suggest that, but I figured I would be laughed/heckled off the thread for even mentioning it!  Smiley Surprised

Message 15 of 16
Anonymous
Not applicable

Re: Sync Question


@UncleB wrote:

@Anonymous wrote:

@UncleB wrote:

If I were impacted by the account freeze, the first thing I would do is contact them about being taken off paperless billing... without account access the only way to get a bill is through the mail. 

 

Logically they should do this automatically when they freeze someone's account, but we know the way things work isn't always logical.  Smiley Frustrated

 

Most banks have a free bill pay service with your checking account; you don't get 'instant' credit like you might when paying from a issuer's site, but I've found it to be very reliable and with Synchrony in particular the payments are usually credited within 2-3 days.  Also in the event you mis-key something the worst that can happen is that the payment goes nowhere; you simply have to 'fix' your mistake and resubmit.  On the other hand, if you make a mistake entering your checking account info on the card's website, it is generally treated like an NSF.

 

If paying from your bank's bill pay isn't an option (or if there is a fee involved) I would do as ddemari suggests and make a payment over the telephone. 

 

In any case, it shouldn't be too much trouble to get your payment to them.

 

(Note that I'm still hoping for a quick resolution for the folks who have been recently impacted.)


Or you could go really old school and mail a check LOL. 


LOL... I was actually going to suggest that, but I figured I would be laughed/heckled off the thread for even mentioning it!  Smiley Surprised


OMG Checks! Of course! Smiley Happy

Message 16 of 16
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