Synchrony customer service

[Anonymous]

---

@DaveInAZ wrote:

I've only called Synchrony once for an issue with my PayPal Cashback MC and they were very pleasant and helpful, and it was for my own stupid mistake a year or so ago. My payment due date is the 10th of the month and that was a Friday. Overly greedy to earn a few more nickles of interest on my savings I paid slightly more than the minimum payment on the 10th and then paid the remaining statement balance on Monday the 13th. When the statement posted I wash charged interest and realized I'd just lost my interest free grace period by not paying the statement balance in full by the due date. So I called, I was more concerned about losing my grace period than the actual interest charge as I have several recurring monthly bill charged to the card. The rep said that as I'd never had an issue requesting a credit before he could credit back the interest charge which would restore my grace period.

But, the one annoying thing about Synchrony is their due date is 10 days before the statement date, almost all my other CCs it's only 3 days before the statement. But, for the no hassle 2% cashback on everything I can deal with it, and I won't make the mistatke of not paying the statement balance in full before the due date again.

---

Yep it's agonizing waiting for Synchrony statements to cut. It feels especially long when you had a balance report that you want to go away and other cards with later due dates are cleared 3-5 days before. 

Glad to hear another story of them being willing to waive fees. I have heard a few people, including one just the other day, that didn't pay off their deferred interest promo before it expired who got them to reverse the charges in exchange for payment in full. 

[Guyatthebeach]

Saeren,

I have to agree with you. I've never had a negative experience with Synchrony, only good expierences.  

When I opened my Lowes card, I only got $500 limit, but needed $2000 for a project I wanted to do. I got a $2800 CLI in less than 5 minutes.  When I got my Sam's card, they misspelled my name(how hard is it spell Guyatthebeach) and I called them on Thursday night. They Fedexed the replacement card and got it Saturday morning.

I really can't say a bad thing about them.  I use all my cards with them regularly and PIF monthly, unless I'm using a finance special. With available credit of 26k+, I do worry about them adjusting my CL's given Synchrony's credit exposure.

Guyatthebeach