@K-in-Boston , I can't remember, and I'm in the wrong room to look. 
If memory serves, I've still got eight or nine Synch accounts open that didn't get touched.
I believe that I was well over the $100k exposure line that Sync is rumored to have, and they did some trimming... as is their right.
Ebay and Midas were no great loss. My daughter and I greatly enjoyed my Marvel card on Daddy/Daughter date night, but Covid might have killed that card eventually anyway.
...the $20k credit limit that I had on my CareCredit is the only one that I miss...
Came in handy for zero percent offers at the dentist and vet too. 
@tcbofade wrote:
If memory serves, I've still got eight or nine Synch accounts open that didn't get touched.
I believe that I was well over the $100k exposure line that Sync is rumored to have, and they did some trimming... as is their right.
So you still have 8 or 9 Sync cards. They closed 4. And previously you said, "OP stated that they are looking at a two card set up, and if it were ME, I wouldn't count on Sync to be either one of the two".
Where for the OP, the OP would only have the PPMC (1). Poor PPMC gets no love even though it's a great card for many reasons. 
@tcbofade wrote:...but if I wanted to get down to two cards, neither of them would be issued by Synch.
Out of curiosity, which 2 cards would you keep? I find this a very interesting topic. 
@tcbofade wrote:@K-in-Boston , not all of us that have experienced Sync difficulties have blemished credit profiles.
I'm spotless and did NOT face a total shut down, but lost four Sync accounts in 2020.... while in the garden.... NOT seeking credit.
I'm not saying that Sync is worthless, but they aren't the most trustworthy lender out there.
Lol Taco, i dont trust Chase....5/24 what the fico
. Now the may want cli to be 5/24 too , uhm, no lol. Get a. Redit card to close to a Chase app one may see a closure , we've seen it. I think under right circumstances none of us can trust a lender to do the right thing.
I would have no objection if my PPMC was one of only 2 cards i could have since as an everyday catch all 2% card that can be redeemed super fast , my rewards would be better served for my low spend. Id definetly have a CU card with no CA that doesnt care if i use it, ie Navy. I have experienced the update off cycle which is annoying but not much i can do about that. Also to add i noticed in another thread saying someone didnt like Syncs web interface. I really like how fsst , essy and clean looking it is to make payments. Better than some of my CU websites
@Anonymous wrote:
@tcbofade wrote:@K-in-Boston , not all of us that have experienced Sync difficulties have blemished credit profiles.
I'm spotless and did NOT face a total shut down, but lost four Sync accounts in 2020.... while in the garden.... NOT seeking credit.
I'm not saying that Sync is worthless, but they aren't the most trustworthy lender out there.
What do you think their reasoning was, any idea? Were you putting a monthly charge on each of the 4 closed Sync accounts in 2020 or were they left mostly inactive?
I have a theory.
The pattern here in the MyFICO Forums was that people who had clean records and good credit profiles, and had large little used total credit lines with Syncrhony -- e.g. 10 cards, with total limits $80k-90k, with only a hundred dollars of use here and there -- suddenly found all 10 of their accounts cancelled without warning.
I researched it to see what was going on with Synchrony at the time, and realized that (a) the big wave of closures came just before it was time for the quarterly SEC financial earnings report and (b) the report was pretty bad.
I developed a theory that what it was was a misguided attempt at window dressing its earnings. Since loan loss reserves are counted as an expense deducted from earnings, the easiest and fastest way to make the earnings look better than they actually were was to take large credit lines and close them.
To me it was a very stupid move, because after spending so much money on customer acquisition, it was dumb in the extreme to lose a large number of perfectly acceptable customers, and to create so much bad will. It might have accomplished something in the very short run, but in the long run it was a mistake.
If they wanted to reduce unused credit lines, they ought to have done it gradually, reducing the unused credit lines based on experience. But that would have taken more than the week or so they had in which to try their gimmick.
If a lender wants to treat its bad customers badly, well I guess that's what lenders normally do. But to treat its good customers badly is bad business.
BTW the CEO who did it is gone now.
