cancel
Showing results for 
Search instead for 
Did you mean: 

Can't use certain debit cards anymore to pay Amazon Synchrony

tag
IcyCool7227
Frequent Contributor

Can't use certain debit cards anymore to pay Amazon Synchrony

I can't understand why this is happening. My Primis debit card and Affinity FCU dc #: 3 are not getting accepted through the Amazon Prime Store Card automated payment system. I have not gotten ahold of Affinity yet but both Primis and Synchrony says the accounts aren't blocked. Synchrony did say they only take one phone payment per day (which I did from Affinity dc #: 1) but if that were the case the automated system usually tells me so and wouldn't have proceeded to take another payment.

 

Because Primis offers 50 cent rewards on each transaction I used it 5 different times this month to pay Synchrony.:

$1.55 on 12/7

$1.11 on 12/14

$6.47 on 12/19

$8.23 on 12/20

$6.35 on 12/21

Attempted to pay $6.25 on 12/22 but did not go through. A $3 PayPal deposit balance transaction went through however. That same day right after I also paid the same $6.25 on my Affinity FCU debit card #1 which went through.

Attempted to pay $13.05 today on 12/28 but wasn't accepted by the automated system. Also attempted to pay $125.65 on Affinity dc #3 but that didn't get accepted either but earlier on the 25th with that same card it went through for $874.35. I tested that card with PayPal as well and the $1 went through so with all this data so far I know its not the card itself being blocked.

 

A CSR at Synchrony told me she thought it was because of more than 1 same day payments but I don't think that's what's happening here. My guess is the internal Synchrony system is flagging those cards as suspicious. Any thoughts?

 

I'm trying to get that balance down to 0 in order to increase my scores for my upcoming credit card spree. I normally don't make that many payments in a month. There also was:

 

$13.57 on 12/6 paid by OnPath FCU dc

$14.77 on 12/8 paid by OnPath FCU dc

$6.24 on 12/9 paid by OnPath FCU dc

$567 on 12/26 paid by Affinity dc #1

$1,000 on 12/27 paid by Affinity dc #2

$229.74 on 12/28 (today) paid by Affinity FCU #1

 

Which makes 13 total debit payments this cycle (no other types). I guess worst case scenario if after the billing cycle closes on Jan. 2nd or 3rd for Synchrony's Amazon card, I could try making a test payment of new charges with those debit cards and if they still don't work, close those debits out as reported lost and reissue new ones. I probably made too many payments with Primis but that doesn't make sense for the 3rd Affinity cashback card as that was the only 2nd payment attempt. To be on the safe side I think I'll just wait for my money to be transferred combined from other banks rather than pay as it comes in from now on. OnPath I was trying to make the minimum amount of transactions but I have an alternative to meet that. What could be blocking those cards?

As of: 8/15/25:
EQ: 783 (prev. 798 on 1/10/25; 794 on 12/19/24; 781 on 9/20/24; 747 on 8/7/24; 781 on 7/1/24; 785 on 3/28/24. 778 on 2/6/24; 773 on 1/26/24; 750 on 1/7/24; 626 on 6/7/23 & 652 in April 2023) - FICO 8
EX: 766 (prev. 769 on 1/10/25; 767 on 10/26/24; 751 on 9/20/24; 729 on 8/7/24; 752 on 7/1/24; 761 on 755 on 2/6/24; 753 on 1/26/24; 732 on 1/7/24; 643 on 6/7/24; 619 in April 2023) - FICO 8
TU: 773 (prev. 768 on 1/10/25; 771 on 12/3/24; 756 on 9/6/24). - FICO 8.

Have:
- Amazon Prime Store Card: $10,000
- Amex Blue Cash Everyday (AU): $10,000
- Capital One Savor Cash Rewards: $3,600
- Chase Freedom Flex: $1,000
- Citi Custom Cash: $9,200
- Citi Double Cash: $8,000
- Citi Rewards +: $5,800
- Discover it Cashback: $2,500
- Kohl’s Charge: $3,000
- Mercury Rewards Visa: $4,390
- PayPal World Cashback MasterCard: $5,500

- Super Cash: Limit varies based on debit balance - doesn't show up in accounts anymore though on CRs.
Message 1 of 3
2 REPLIES 2
IcyCool7227
Frequent Contributor

Re: Can't use certain debit cards anymore to pay Amazon Synchrony

Update: I was able to pay $124.65 using Affinity FCU dc #3 just a little bit ago. Weird. It may have been due to a 3 day hold with that same merchant so I'll see tomorrow if that's the same case with Primis.

As of: 8/15/25:
EQ: 783 (prev. 798 on 1/10/25; 794 on 12/19/24; 781 on 9/20/24; 747 on 8/7/24; 781 on 7/1/24; 785 on 3/28/24. 778 on 2/6/24; 773 on 1/26/24; 750 on 1/7/24; 626 on 6/7/23 & 652 in April 2023) - FICO 8
EX: 766 (prev. 769 on 1/10/25; 767 on 10/26/24; 751 on 9/20/24; 729 on 8/7/24; 752 on 7/1/24; 761 on 755 on 2/6/24; 753 on 1/26/24; 732 on 1/7/24; 643 on 6/7/24; 619 in April 2023) - FICO 8
TU: 773 (prev. 768 on 1/10/25; 771 on 12/3/24; 756 on 9/6/24). - FICO 8.

Have:
- Amazon Prime Store Card: $10,000
- Amex Blue Cash Everyday (AU): $10,000
- Capital One Savor Cash Rewards: $3,600
- Chase Freedom Flex: $1,000
- Citi Custom Cash: $9,200
- Citi Double Cash: $8,000
- Citi Rewards +: $5,800
- Discover it Cashback: $2,500
- Kohl’s Charge: $3,000
- Mercury Rewards Visa: $4,390
- PayPal World Cashback MasterCard: $5,500

- Super Cash: Limit varies based on debit balance - doesn't show up in accounts anymore though on CRs.
Message 2 of 3
GZG
Senior Contributor

Re: Can't use certain debit cards anymore to pay Amazon Synchrony

I could barely stomach getting through the 10-15 debits to get a higher APY on accounts like affinity's 5.5% checking, big props to all of the people that can earn everything they can through these cashback debits, hopefuly your payments will continue being able to go through for you

Starting FICO 8:
Current FICO 8:



Message 3 of 3
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.