@therebilllll wrote:I tried to do bill pay with my bank but it says they can't send it electronically to Synchrony and they'll send a paper check instead. I assume that'll be slow too.
Ya, I think it has to be the bigger banks, I have not had any problems with Citi's BillPay being able to send to anyone electronically but my Credit Union's BillPay has a lot of payee's missing from their list so they use a check.
@Anonymous wrote:Yes, it is a ymmv. I have Sams MC, Paypal MC, and an Amazon store card. All have worked flawlessly for 3+ years after the initial break-in period.
- Paypal MC had a 3 month break-in of "Holding my used credit limit hostage for 7 to 21 days after payment"
- Amazon Store card had no break-in. Worked flawlessly from the start.
- Sam's had no break-in. Worked flawlessly from the start.
So @therebilllll, I do know it is annoying, but give the Amazon card time and it will smooth out. Synchrony is skittish and they want to get to know you. Also, they are good with CLI requests.
Just know that Synch AA can come in several forms and for very strange or better said unknowable reasons. I am glad you have not experienced it - you could.
Anecdotes: I have held variously 14 Synch credit lines over a great number of years. 5 current.
So my intent with my response was not to badmouth them, but to caution their proper use, and even then understand the very real danger they present.
@Anonymous wrote:
@BallBounces wrote:
@Anonymous wrote:Yes, it is a ymmv. I have Sams MC, Paypal MC, and an Amazon store card. All have worked flawlessly for 3+ years after the initial break-in period.
- Paypal MC had a 3 month break-in of "Holding my used credit limit hostage for 7 to 21 days after payment"
- Amazon Store card had no break-in. Worked flawlessly from the start.
- Sam's had no break-in. Worked flawlessly from the start.
So @therebilllll, I do know it is annoying, but give the Amazon card time and it will smooth out. Synchrony is skittish and they want to get to know you. Also, they are good with CLI requests.
Just know that Synch AA can come in several forms and for very strange or better said unknowable reasons. I am glad you have not experienced it - you could.
Anecdotes: I have held variously 14 Synch credit lines over a great number of years. 5 current.
So my intent with my response was not to badmouth them, but to caution their proper use, and even then understand the very real danger they present.
My post had nothing to do with AA. Same as your post had nothing to do with AA. You gave your view point and explained your mileage. I did the same. (I.E. Your Mileage May Vary)
As for "real danger" ?? Seriously? All credit card issuers can CLD and close cards. And while yes Synchrony is known to be more prone to do this for reasons only known to them, I see no reason for a dire warning of "danger". A CLD or account closure is a small bump in the road (or no bump at all if you have a good set of KYBs) regardless of which issuer did it.
OK.
FYI, "AA" is adverse action, and has literally everything to do with my posts in this thread regarding synchrony.
As to "real danger" ... I hope the reader understands I am not worried Mr. Synch will come to their house and punch them in the nose. 
Have a great day.
@BallBounces wrote:FYI, "AA" is adverse action, and has literally everything to do with my posts in this thread regarding synchrony.
As to "real danger" ... I hope the reader understands I am not worried Mr. Synch will cime to their house and punch them in the nose.
Have a great day.
Thank you for explaining that AA here means "Adverse Action" so that uninformed credit forum readers don't continue under the incorrect assumption that AA means "Alcoholics 🍺 Anonymous" or "Basaltic Lava"
I can see the confusion that could stem from "Why are they talking about 🍹 lager, or is it volcanoes 🌋"?
As for your "1st and only thread post at that time" that I referenced (Yes, it is a ymmv), played off of, and elaborated upon: I wasn't in disagreement with you, wasn't discounting anything you said, attacking, or even responding _to you_.
The exact opposite. I felt the meaning of your "1st and only thread post" was that OPs sitution is in effect a "probationary period", I agreed (seemingly incorrectly), I was not making any reference to AA (don't be confused as I do mean Adverse Action), I gave relevant data points on my most recent and currently active 3 synchrony issued cards, and made no mention about my previous synchrony or GE cards that were not currenty relevant to the topic at hand. It was directed at the OPs question, situation, and the theme of the thread. It was not a response "to" or "against" you.
You are the one that seemed have felt I was somehow attacking or arguing with you and turned this from a discussion of what is effectively a "probationary period" to "Adverse (Danger Will Robinson, Danger) Action"
Also seems my understanding of "Adverse Action" has a far narrower definition and scope than what your understanding may be if you feel the OPs "common new synch card situation" falls within the purview AA.
P.S. Positive Emojis added here 
because reasons
@NoMoreE46 wrote:
@UncleB wrote:
@therebilllll wrote:I tried to do bill pay with my bank but it says they can't send it electronically to Synchrony and they'll send a paper check instead. I assume that'll be slow too.
Hmm... I don't have any suggestions for this. I've used billpay with two separate banks and both have supported electronic payments to all five of my Synchrony accounts.
You might try deleting and re-adding the Amazon card as a biller (try to find the biller name 'Amazon' over the generic 'Synchrony') since your bank may have changed and the Amazon card might be electronic now. If that fails, you might consider sending a $5 payment to see how long it takes anyway, since it still might be faster than 2+ weeks.
Along that same rationale, whenever I get a new card, I will send a small "test" payment to make certain all is good. I dont want to get on the radar of a new issuer by flubbing the very First statement's (full) payment.
Oh yes, I do this as well... some may call me paranoid, but it's always a bit of a relief to see that first payment post successfully, LOL.
@Anonymous wrote:
@BallBounces wrote:FYI, "AA" is adverse action, and has literally everything to do with my posts in this thread regarding synchrony.
As to "real danger" ... I hope the reader understands I am not worried Mr. Synch will cime to their house and punch them in the nose.
Have a great day.
Thank you for explaining that AA here means "Adverse Action" so that uninformed credit forum readers don't continue under the incorrect assumption that AA means "Alcoholics 🍺 Anonymous" or "Basaltic Lava"
I can see the confusion that could stem from "Why are they talking about 🍹 lager, or is it volcanoes 🌋"?
As for your "1st and only thread post at that time" that I referenced (Yes, it is a ymmv), played off of, and elaborated upon: I wasn't in disagreement with you, wasn't discounting anything you said, attacking, or even responding _to you_.
The exact opposite. I felt the meaning of your "1st and only thread post" was that OPs sitution is in effect a "probationary period", I agreed (seemingly incorrectly), I was not making any reference to AA (don't be confused as I do mean Adverse Action), I gave relevant data points on my most recent and currently active 3 synchrony issued cards, and made no mention about my previous synchrony or GE cards that were not currenty relevant to the topic at hand. It was directed at the OPs question, situation, and the theme of the thread. It was not a response "to" or "against" you.
You are the one that seemed have felt I was somehow attacking or arguing with you and turned this from a discussion of what is effectively a "probationary period" to "Adverse (Danger Will Robinson, Danger) Action"
Also seems my understanding of "Adverse Action" has a far narrower definition and scope than what your understanding may be if you feel the OPs "common new synch card situation" falls within the purview AA.
P.S. Positive Emojis added here
OK.
Along that same rationale, whenever I get a new card, I will send a small "test" payment to make certain all is good. I dont want to get on the radar of a new issuer by flubbing the very First statement's (full) payment.
Oh yes, I do this as well... some may call me paranoid, but it's always a bit of a relief to see that first payment post successfully, LOL.
Nice.