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Synch and their off cycle reporting is killing me, UGH!

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pizza1
Community Leader
Super Contributor

Synch and their off cycle reporting is killing me, UGH!

Like seriously...Synch, get it together. They use to not be like this a few years back.  I mean you'd hear of it occasionally, but now its like everytime I have a balance of any kind mid-cycle, they report it. I literally can have a balance of $4.00 on one day, and they report that, and then I make a payment 2 days later, and nothing. No update.

 

All this in the same cycle BEFORE the statement cuts.  Its so infuriating.  Maybe I need to start making my payments (have a negative balance), then a charge.  My love/hate relationship continues with them...Love my CL's...hate their mid-cycle reporting. Smiley Tongue

Message 1 of 21
20 REPLIES 20
fury1995
Valued Contributor

Re: Synch and their off cycle reporting is killing me, UGH!


@pizza1 wrote:

Like seriously...Synch, get it together. They use to not be like this a few years back.  I mean you'd hear of it occasionally, but now its like everytime I have a balance of any kind mid-cycle, they report it. I literally can have a balance of $4.00 on one day, and they report that, and then I make a payment 2 days later, and nothing. No update.

 

All this in the same cycle BEFORE the statement cuts.  Its so infuriating.  Maybe I need to start making my payments (have a negative balance), then a charge.  My love/hate relationship continues with them...Love my CL's...hate their mid-cycle reporting. Smiley Tongue


Similar but different problem with Sync for me.. pending charges sitting for days and I can't make a payment against them. I just had two pending charges sit for 5 days and post the exact same time as the statement posted. I couldn't make a payment to the account because there was "no current balance" and "no statement balance" to pay. FRUSTRATING

August 28, 2023 FICO 8

August 28, 2023 FICO BankCard 8

August 28, 2023 FICO Auto 8

citi-costco-ImgurCiti-Double-Cash
Message 2 of 21
OmarGB9
Community Leader
Super Contributor

Re: Synch and their off cycle reporting is killing me, UGH!


@fury1995 wrote:

@pizza1 wrote:

Like seriously...Synch, get it together. They use to not be like this a few years back.  I mean you'd hear of it occasionally, but now its like everytime I have a balance of any kind mid-cycle, they report it. I literally can have a balance of $4.00 on one day, and they report that, and then I make a payment 2 days later, and nothing. No update.

 

All this in the same cycle BEFORE the statement cuts.  Its so infuriating.  Maybe I need to start making my payments (have a negative balance), then a charge.  My love/hate relationship continues with them...Love my CL's...hate their mid-cycle reporting. Smiley Tongue


Similar but different problem with Sync for me.. pending charges sitting for days and I can't make a payment against them. I just had two pending charges sit for 5 days and post the exact same time as the statement posted. I couldn't make a payment to the account because there was "no current balance" and "no statement balance" to pay. FRUSTRATING


Push a payment externally from your main checking account using the billpay feature in the exact amount of your pending charges. 


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 3 of 21
fury1995
Valued Contributor

Re: Synch and their off cycle reporting is killing me, UGH!


@OmarGB9 wrote:

@fury1995 wrote:

@pizza1 wrote:

Like seriously...Synch, get it together. They use to not be like this a few years back.  I mean you'd hear of it occasionally, but now its like everytime I have a balance of any kind mid-cycle, they report it. I literally can have a balance of $4.00 on one day, and they report that, and then I make a payment 2 days later, and nothing. No update.

 

All this in the same cycle BEFORE the statement cuts.  Its so infuriating.  Maybe I need to start making my payments (have a negative balance), then a charge.  My love/hate relationship continues with them...Love my CL's...hate their mid-cycle reporting. Smiley Tongue


Similar but different problem with Sync for me.. pending charges sitting for days and I can't make a payment against them. I just had two pending charges sit for 5 days and post the exact same time as the statement posted. I couldn't make a payment to the account because there was "no current balance" and "no statement balance" to pay. FRUSTRATING


Push a payment externally from your main checking account using the billpay feature in the exact amount of your pending charges. 


Where is the forehead slap imoji when I need one...

 

Thanks

August 28, 2023 FICO 8

August 28, 2023 FICO BankCard 8

August 28, 2023 FICO Auto 8

citi-costco-ImgurCiti-Double-Cash
Message 4 of 21
GreatLife
Contributor

Re: Synch and their off cycle reporting is killing me, UGH!

I have the same problem with PayPal credit account. Two phone calls and 3 chats later my payment in full from 2/8 still hasn't updated the $0 balance in CB reporting. My Sync MC $0 balance only took a few days to auto update the CB's. Both payments were made on the same day.

Message 5 of 21
Rebuild2019
Valued Contributor

Re: Synch and their off cycle reporting is killing me, UGH!

Same here @pizza1  I have a purchase I Want to make on my Amazon Prime Card. Balance has reported zero and I know the minute I make this $20 purchase they are going to report it. 

Sam's card did the same thing over a $57 purchase. Once it posted I paid it and I had to wait until the statement cut for them to report it. 


CARDS: Discover It | Kohl’s | Truist Spectrum Cash Rewards | Truist Bright | CITI Custom Cash | Chase Freedom Flex | Chase Amazon Prime Visa | VACU Cash Rewards Mastercard | Sam’s Club Mastercard | PenFed Gold Visa | NFCU CashRewards | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | NFCU Auto Loan
Starting Scores 05/2019: EQ:519, EX:525, TU:574

CLOSED : Capital One Quicksilver One | OpenSky |
Message 6 of 21
markhs777
Regular Contributor

Re: Synch and their off cycle reporting is killing me, UGH!

Forgive me for any naivety but how does it affect anyone in a negative way if a small balance reports on a credit report?

Message 7 of 21
SouthJamaica
Mega Contributor

Re: Synch and their off cycle reporting is killing me, UGH!


@markhs777 wrote:

Forgive me for any naivety but how does it affect anyone in a negative way if a small balance reports on a credit report?


For scoring, it's preferable to have a majority of one's revolving accounts reporting zero balances.


Total revolving limits 741200 (620700 reporting) FICO 8: EQ 701 TU 704 EX 685

Message 8 of 21
markhs777
Regular Contributor

Re: Synch and their off cycle reporting is killing me, UGH!


@SouthJamaica wrote:

@markhs777 wrote:

Forgive me for any naivety but how does it affect anyone in a negative way if a small balance reports on a credit report?


For scoring, it's preferable to have a majority of one's revolving accounts reporting zero balances.


Absolutely but I would just wait until the next cycle with 0 balance if one believes that balance would actually trigger a bad result. If a single digit balance may result in a decline I believe there are other issues involved.

Message 9 of 21
Adkins
Legendary Contributor

Re: Synch and their off cycle reporting is killing me, UGH!


@fury1995 wrote:

@OmarGB9 wrote:

@fury1995 wrote:

@pizza1 wrote:

Like seriously...Synch, get it together. They use to not be like this a few years back.  I mean you'd hear of it occasionally, but now its like everytime I have a balance of any kind mid-cycle, they report it. I literally can have a balance of $4.00 on one day, and they report that, and then I make a payment 2 days later, and nothing. No update.

 

All this in the same cycle BEFORE the statement cuts.  Its so infuriating.  Maybe I need to start making my payments (have a negative balance), then a charge.  My love/hate relationship continues with them...Love my CL's...hate their mid-cycle reporting. Smiley Tongue


Similar but different problem with Sync for me.. pending charges sitting for days and I can't make a payment against them. I just had two pending charges sit for 5 days and post the exact same time as the statement posted. I couldn't make a payment to the account because there was "no current balance" and "no statement balance" to pay. FRUSTRATING


Push a payment externally from your main checking account using the billpay feature in the exact amount of your pending charges. 


Where is the forehead slap imoji when I need one...

 

Thanks


🤦


Last HP 08-07-2023



Message 10 of 21
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