I'm in the same boat as you guys, even though I'd love a 3% catch-all cashback, Synchrony isn't my first choice. Although I do have two lines with them that are just fine and not constantly down-sized in CL.
@firefox100 wrote:
@Azza wrote:
I'm in the same boat as you guys, even though I'd love a 3% catch-all cashback, Synchrony isn't my first choice. Although I do have two lines with them that are just fine and not constantly down-sized in CL.I don't know why you guys don't like Synchrony, they may have best techonology , but they pretty good when it comes to giving credit limit increases and, they don't demand you use lot of credit line. If you don't carry balance and pay off balance using the phone system then you don't have problem. I been doing business since 2012 and never had problem and my credit limits had grown over years with no problems. I started with a Wallmart store card with credit limit of 700 and last year before it was transfer to capal one it was mmastercard with credit limit of 18K. I would say the interface and app, and the rewards is much better under captal one. Who wants to live in fair of your line beeiing cut not enough use or not beeing able to get cli and you can allways talk to live person for credit review try that with capatal one. I just got a 2K increase on my JCpenney card last week from 18K to 20K. I would say if you are going for a mortage or any credit which may need manmanually review then you may not want Synchrony show up on your credit reports people do look down on people who may have Synchrony as creditor.
Why would they look down on me for having Sync as a lender? A bank card is a bank card regardless of lender and we shouldnt try and pick lenders based on what " some underwriter" might think especially given that banks only care about their money being paid. For record i like Sync , all my payments post fast and ive been given adequate limits for my pay/ spend. If they close them all, ill use another cc. 
@firefox100 wrote:
@Azza wrote:
I'm in the same boat as you guys, even though I'd love a 3% catch-all cashback, Synchrony isn't my first choice. Although I do have two lines with them that are just fine and not constantly down-sized in CL.I don't know why you guys don't like Synchrony, they may have best techonology , but they pretty good when it comes to giving credit limit increases and, they don't demand you use lot of credit line. If you don't carry balance and pay off balance using the phone system then you don't have problem. I been doing business since 2012 and never had problem and my credit limits had grown over years with no problems. I started with a Wallmart store card with credit limit of 700 and last year before it was transfer to capal one it was mmastercard with credit limit of 18K. I would say the interface and app, and the rewards is much better under captal one. Who wants to live in fair of your line beeiing cut not enough use or not beeing able to get cli and you can allways talk to live person for credit review try that with capatal one. I just got a 2K increase on my JCpenney card last week from 18K to 20K. I would say if you are going for a mortage or any credit which may need manmanually review then you may not want Synchrony show up on your credit reports people do look down on people who may have Synchrony as creditor.
I assume a lot of people are furious when Syncrhony closed a lot of their credit cards. It was often too with people that had excellent credit history, excellent credit scores, very high credit limits like 25k - 50k limits, so I can imagine those people have basically turned against Sychrony now after they did this to them.
Though I will say that's not a good enough reasons if so people are telling people to stay away or say they're bad in the similar sense of Well's Fargo in how they handle business.
@vic6string wrote:This sounds good, but I am not a huge fan of letting the computer choose my categories only because it also decides what those categories are. What if they decide later that Cable/Internet should get it's own category seperate from Bills/Utilities (After you already paid your cable bill)? What is the difference between "travel" and "transportation"? What's the difference between "Dining/Nightlife" and "Entertainment"? What's stopping them from tinkering with stuff when they have categories that are so close together to make sure you don't get 3%?
I don't see the big hassle in picking your categories a few times a year, especially since it is done in the same place you pay your bill.
What are you talking about? It picks the best category based on what you spent your money on. On another card, if you choose dining and end up putting way more from utilities on the card, you're sol, but this card will choose utilities because that's where you spent the most money. It automatically gives you the best category to maximize your rewards.
As for modifying the categories, you act like disco, us bank, and chase have never done it. What's to stop them from modifying what counts for a category after you've chosen it?
