MySynchrony App Reviews

Shady financial institution. This has nothing to do with app functions, but how the company functions as a financial institution. I’ve had a credit line with them for over a year now and completely dissatisfied with their handling of my account. I’ve never missed a payment nor have I made ANY late payments, payments also being well over my minimum requirement. I open my account app and they’ve deducted over $1,000 of my credit limit without any notice. This has now lead to a credit loss and credit usage increase that has dramatically decreased my score. I’ve read some reviews and this is typical of them. It’s not a credit rebuilding phase for me by any means, but I wanted to share what I’ve been dealing with using their services. In a nutshell they’re a headache and applicant beware!

Always a problem 🙄. Constant login issues online and in the app. Accounts are not easily viewable in ONE place. Have to change entire password every time I try to login. Its beyond ridiculous. When you get a message or notification from synchrony, they direct you to the app to login, instead of just emailing it. I am unable to login to check the message to know wether the message is important or not. Larger banks not having a CONSISTENT, seamless app in 2026 is unacceptable, for the customers you claim to be serving. Chase never has this problem, Wells Fargo never has this problem, Bank of America never has this problem. Its like you purposely don't want customers to make payments or manage their accounts.

Awesome. I love using the app! It’s faster to login in and submit payment through the app than the website! Hopefully I’ll be able to retire the app once my two credits are paid this year. But definitely will want to do business with synchrony again! Because of them and me paying on time, my credit has gone up up up! Good customer service, in the chat, haven’t don’t the customer service on the phone. I recommend Synchrony to friends and family because it’s secure and the payments are easy to handle! Just good things all around!

My Account was Closed by Synchrony, too!. I was FLABBERGASTED to find out that my longstanding account with Synchrony Bank for Pep Boys was being closed by the company. When I had a balance on the account, I was more than diligent in paying my monthly payments. I always paid more than was required, and eventually paid off the entire account. However, to preserve my “Good” Credit Score, I left my account open. I also anticipated that I would use the account eventually, if not right away. I bought a new car in November, 2019, so I didn’t need to use the card for repairs, tires, etc., because currently, everything is covered under my warranties. Mind you, I PURPOSEFULLY left the account OPEN, in order to maintain a better percentage of overall available credit, which is a major factor in optimizing a credit score. Moreover, to reiterate, I knew that there would be days - eventually, if not now - that I would actually NEED and UTILIZE the account for repairs and/or gas purchases. Well, thanks to the actions of Synchrony Bank, those days are now over. I called a supervisory associate at the bank to plead my case and I was told “Well, you know that Synchrony Bank owns the account, and not you... They can terminate the account anytime they want.” This is sooooo reassuring to a loyal customer. However, LOYALTY apparently means nothing to Synchrony Bank... My account has closed, even after my due diligence in making timely payments. To add insult to injury, my credit score is going to take a hit for it. I. AM. NOT. PLEASED!!!

Rooms to go. I have tried to dispute an amount on my account finance by synchrony bank. Every single time they tell me to see in proof of the amount of over charge have done that and neither synchrony bank nor rooms to go will acknowledge their wrong doing. They are a bunch of thieves. Been a long long time customer with them. I have a lot of accounts with them and have paid them on time and paid them off. Guess I will have to wreck my credit for $400. Or less but my money comes hard as a lot of people I know and I refuse to pay for something I didn’t receive. Big banks just love to screw the working man. Too bad they have a monopoly the finance almost every business these days.

I hate this bank. Generally curious on how this app has five star reviews on the App Store. This app or rather this system refuses to accept my bank account information. Mind you this is the same bank account information that I use to pay my other credit accounts and most importantly my rent. I have called Customer Service. I have submitted a ticket for them to investigate this issue further nothing has changed. This isn’t even the worst part. Before I used to call Customer Service using the phone number straight from the app. However, these companies always think that there needs to be something added or removed on their apps. So now I can’t call customer service to make payment straight from the app. I have to dial their number each time. I refuse to add a Customer Service support number to my contact list. It’s pure idiocy. This is the only bank where I have an issue. This bank is utter trash. I hate that I have to use it and I wish for other companies to stop using this bank as a lender.

SHADY BANK. I bought a mattress with Mattress Firm, and they told me I could spread into several payments without any interest. I selected the 12 months installment. When I accessed the bank to make payments, they never show you the payment plan you have. They lead you to pay the minimum payments, and that’s where they get shady! They don’t show you the 12x installment amount due, they show you a very low amount as a minimum payment. If you follow them, you will end at the end of your 12 months installment more than 75% of your total due. That leads the customers to an absurd amount of debt. When you ask them to set the minimum payment due as your agreement of 12 installments, they say they cannot do that. They lead people to debt by not being clear about their installments, amount due that would pay the mattress. They give you a total amount due and minimum payments that does not equal the total amount due on the time agreed. If you use this bank and you do not pay attention, you WILL end up with a lot a debt. Totally NOT recommend this bank to anyone. They even tried to blame Mattress Firm, saying that the deal was signed with them, but who provides the loan is the bank, or their credit card you sign for. SHADY BANK, SHADY PRACTICES!

Beware!! Login names cannot be changed. Much to my surprise, I found out that Synchrony Bank will no longer allow you to change your login information. Most financial institutions have you use your email as you login credentials. But what if your email had been compromised, as I had suspected mine was. Like many, I have a few email addresses and with one of my current ones, it fills with spam and had possibly been compromised. All of my other financial institutions changing login creds was simple. A request, a few MFA challenge/responses later, and all new logins. Not with this place. After working with CS and even the fraud dept, and an hour of my time, turns out you can’t. Best you can do is change your password. lol. So, client beware!

NIGHTMARE!!!. I came here from the Ashley Mathis furniture store. They told me that I could get 0% interest for the first year on my furniture so that sounded great! So I signed up. On the app you have the open to set up a specific amount to be automatically paid towards your loan. I set mine up to take $250ish a month to get it paid off in a years time. My first payment went smoothly but the second has been a nightmare. It took the entire amount that I definitely do not have. I called customer service and got it fixed and everything was fine. 10 days later it RETRIED the payment and took the same amount out again!! So I called again. Now they have to issue me a check that I will not be receiving for a few WEEKS. So now here I am. A paid off credit card and a bank account in the negative. At least the customer service lady was nice.

Bogus Scam. I have a synchrony credit card and bout the card security because if you have it and are wrongfully fired from your job they can forgive the debt. Not two weeks after i was wrongfully fired with proof and was denied the benefit. Now they wont let me remove card security and i have had to make payments on multiple occasions which have not shown up on my account but have come out of my bank account. I even had receipts of payment and offered the confirmation numbers and they refused to even hear them but continue to charge me and add fees for late payments and card security. I WILL NEVER recommend Synchrony to anyone for any reason and I will NEVER use synchrony again. This is the worst most BOGUS SCAM. Not only was my debt not forgiven when it should have been but now i am being charged for late fees on payments I’ve already made AND it has dropped my credit score 400 POINTS!! Absolutely UNACCEPTABLE!! If no stars was an option id choose that!

PayPal uses Syncrony, And they are cool!. Now I’m new to Syncrony however since I’ve already had history with them through PayPal, I was able to get another syncrony account with 2+ years of interest free credit. Now I don’t know the history with the other customers but quite a few have given Syncrony 1 star on their app which I don’t see fair. Syncrony is an amazing service and their app is very “straight forward and get to the point”, And that is exactly what I need to do to make sure my payments are made on time in an efficient manner. The app also lets you download your statements and payment history for records which is also very important if something wrong happens, Which in some cases it does happen including if you don’t have control over that scenario. I love all of Syncrony’s services and I’m also very happy they are apart of PayPal, If they are teamed up with PayPal then I’m always in their books! Love you guys, You’ll always have me as a customer!

Great app to keep on top of my finances. I really enjoy using the Synchrony app. Having all of my accounts in one place makes it incredibly convenient to stay on top of everything without jumping between different sites or apps. The sign-on process is quick and easy—especially with Face ID enabled—which makes checking my accounts effortless. I never have to go far to see exactly where I stand with my finances, and that kind of accessibility makes a big difference in day-to-day life. It’s simple, efficient, and reliable. I highly recommend it!

Since recent update, app works. I have always had good results out of the app for what I need. Just to pay on my card. No problems. Until the past month. It crashed throwing up error & I couldn’t sign in to pay on my payment so I had to sign in on the website to pay it. I was signing in with correct info. Website worked fine. In the past week they have finally provided update. It was still not working tonight until I updated the app. So with the newest update they have fixed the bugs that was causing the sign in not to work. Thank you for addressing that.

Worst company I’ve ever dealt with.. Synchrony is nothing more than a predatory lender disguised as a financing option. They prey on customers with shady tactics and deceptive practices designed to squeeze out every last dime, no matter the cost to you. My experience with them through Levin Furniture was an absolute nightmare — hidden fees, unclear terms, and a total lack of transparency. It’s clear Synchrony thrives on trapping customers in a cycle of frustration and surprise charges. They don’t care about helping you, only about draining your wallet. Every interaction I’ve had with them has been exhausting, stressful, and downright dishonest. If you value your sanity and your money, stay as far away from Synchrony as possible. They are a textbook example of how corporations exploit hard-working people. Levin Furniture should be ashamed for partnering with such a shady company.

App and web site needs major overhaul. Like some of the other reviews I too can’t access all my accounts possible due to different log in/passwords. “Chat” feature is poor-spent 20 mins only to be connected to a supervisor who gave me a “dedicated” phone number to merge all accounts under one log in. The rep indicated “he wasn’t trained” to do this. Was told each account has to be notified separately - I have six. Too cumbersome. Very poor service. Offer the user a way to merge ALL accounts under one log in-verify user by dob, phone, last four of social. They can’t or won’t. I’m paying off the accounts and won’t use. If and when they fix viewing all account one log in I will gladly change my rating. Terrible customer service.

Ethical credit card company. Dealt with these guys on and off to buy things like mattresses washers, dryers things like that in the past before apps were prevalent recently got a harbor freight card they could pay my bill online using this app very straightforward. Very easy to use. They let me know if I make the minimum payment what the interest there’s gonna be how it’s gonna be and they don’t get pushy on other services like Capital One and discover in all the other major credit card companies where they constantly want to take my money to ““ give me free money. It’s refreshing to deal with the app that isn’t all ads 10 out of 10 would recommend

A Simple Way to Manage Your Accounts. The Synchrony app makes managing your credit accounts easy and convenient. You can view balances, make payments, set up AutoPay, and monitor recent transactions all in one place. The interface is clean and user-friendly, which makes it simple to navigate even if you’re not very tech-savvy. I also like the real-time notifications that help you stay on top of due dates and account activity. Overall, the Synchrony app is a reliable tool for anyone who wants quick access to their credit accounts without logging in on a desktop.

Don’t need any more problems. I got a card because I needed my 2 front tires replaced on my car! After reading reviews about the app, I’m thankful that I got my card paid off! Although that was somewhat of a hassle because I was sending money orders because I don’t give my bank account information to nobody! My last payment they didn’t apply to my account so when I knew it should have been there, I checked to see if it had been cashed and it was, a week before so why was it not applied to my account? I had to send them a copy of the stub as proof before they would apply it to my account! I’m wondering if it wasn’t because I told them that if I get a copy with their endorsement on it that I wouldn’t only cut up the card but I would be contacting the bbb and an attorney that it was actually applied! Now reading reviews about not being able to get logged into their account and then charging fees “after “ the bill was paid off, I’m thinking that I probably shouldn’t use it again! And if you can’t get logged in, there’s no point in using this app so I think that it’s a hard pass for me! I don’t need anymore problems with them! Update: apparently the check stub was not proof enough and they applied the amount back to my card so I’m waiting for the copy of the endorsed check! When I get that, I will definitely contact the bbb and an attorney! But regardless, I will never use that card again! I’m done!

Customer service doesn’t care and reported my balance incorrectly. I was actually very happy with the line of credit and rate that I got from this company since I was rebuilding my credit. However they kept reporting the wrong credit score. When I called to understand the issue, customer service was confrontational, when I got a manager on the phone, she was also confrontational. The fact is that my balance was much lower (for months) than they reported, and instead of taking accountability for it and trying to help me understand what I was missing as far as my score being wrong, they could not. And, they could care less. Asked for the complaint department and I was forwarded to voicemail. The saddest part about this is that I wanted to use the card for another big purchase and that’s why I was also calling, unfortunately for them, I will not.

The app doesn’t do anything.. I manage all my Synchrony accounts online - through Safari browser. I’ve tried using this app several times over the years and it has never worked. When I try to login, it says info doesn’t match, but same info logs me in through Safari just fine. Now, after a couple of attempts, it opens a Get Help Signing In page, with a Find My Account button. I click that and it opens Safari, I log into my account on Safari. Everything works… except I am still using Safari! Doing this has no affect with the app and the app still isn’t working. Unless that is the point - does the app just launch the site on Safari? That seems to be pointless. What bother having an app at all? So this app is either irrelevant or horrible in design. Either way, it has been a total waste of my energy!

Credit card problems. I started out with synchrony and they were pretty good, but then they started bills of boys been paid on time every month usually more than the minimum payment for many years and they’re always lowering the balance. They do everything they can to keep your credit score. messed up. They do it deliberately, the higher or the lower your credit score the higher the interest rate they can charge you. They’re up to almost I think they’re at 36% and Lord forbid you miss a payment then it goes to over 40% if you’re trying to help your credit, this isn’t a good place to start folks. Save your effort and do something sensible this isn’t it, for me I will boycott and not buy from stores that use synchrony as a bank.

The WORST. The Worst banking app I’ve EVER used there’s so many glitches in the app I made a 13$ payment on the DAY I got paid, 11 days before my due date which is on febuary 13th, now it’s February 21st & the app still is saying I DIDN’T MAKE A PAYMENT, now my credit has dropped & they added on a late fee & I still have yet to talk to a manager cause their customer service department is almost non-existent. And a HUGE portion of the customer service Representatives barely speak any legible English, then a representative that went by sam was VERY rude when I kept asking him “Can you repeat that” CAUSE I CAN’T EVEN UNDERSTAND A WORD YOU’RE SAYING!!! pronunciate better or maybe the English customer service field isn’t for you. I’m going to finish paying the card off & never look back at this bank it’s a nightmare.

Needs an update. I love the app. I use it frequently and it have never had any bugs or issues until this month. The only thing I would fix is that you can only see two cards/accounts at once on the app. Having multiple accounts for my Care Credit card that Synchrony finances, it would be great to be able to see all of my cards and accounts available on the app in future updates. Also, I’ve been having a lot of trouble making payments on the app for a few weeks now. I thought it was temporary but it’s becoming an issue for me now to have to log in on a browser to make payments there instead of on the app. Please fix, thank you.

Awful bank, awful app. Do not trust.. Mysynchrony is not only an app full of bugs and terrible lagging, and with back-end security vulnerabilities, but they will also CLOSE your accounts without any notice or warning, or even much of a reason. Their own app bugs caused the auto-pay feature to not work properly, and because of their own issues, they closed one of my accounts. This leaves the app completely useless, as it will tell you they cannot help you and you just visit the website. Not only is it incredibly inconvenient and infuriating, but as someone extremely familiar with the subject, I’m also heavily concerned with their security protocols and the ease of siphoning information from their servers. DO NOT TRUST. AWFUL APP AND BANK.

Synchrony is worth using. This card has been really convenient for me when I needed to use it for my vehicle. One thing is if you have a decent credit limit you have to use it from time to time in order to maintain that limit otherwise you’ll have to re register your card or run your credit again to show you can support your wanted limit . ( if you don’t use you loose it) all in all we don’t plan on having car issues but when you do and your pockets in a bunch this card is helpful

My synchrony. At first I did not like to do business with big Sandy because making the payments were so very hard you could not make the payment at the big Sandy store in Maysville Kentucky it was very hard to get a hold of people over the phone it was just generally a hassle downloading the app was the best thing I ever did because it makes paying your bills so simple so easy and I just love the app that allows me to do this for payments and keeping up with my payment history login I can use even my fingerprint to login it’s just very very simplified and when you’re busy and you’re paying bills and I’m sure everyone does it makes it very very nice I rate The app five stars I think it’s fantastic!

Easy great App!!. I love how it allows me to have multiple cards that are backed by Synchrony in one place! Open the App and I can see, manage and pay my account all in one place. The Face ID option makes it super easy to get in and out and make payments in under 2 mins! Just wish there was a feature for Synchrony to allow accounts in which I am an authorized user to also be seen in my app bc I pay the bills for my husband and I and right now I can’t manage the accounts that I stupidly put in his name or of some antiquated taught sense of respect without thought that I’M THE ONE having to deal with them and get them paid!🤪😩

The app gives u trouble sometimes. The app is mostly straight forward except once u make a payment it will take 24-48 hours to update on your account and once I made a payment on the due date the next day I checked it charged me a late fee in that case there is something wrong with the app it needs a serious bug fixes otherwise u can manage everything from payment all the way down to the due date also the transaction history could use some work as well. Just look out for these things once making a payment don’t hesitate to check your account once in a while to make sure everything is in place

Cut our credit during pandemic. I've been making the effort to make sure everyone knows this. The pandemic was hard on us as was with a lot of people. I would be laid off some weeks due to not having parts at my workplace and unemployment would never pay me as my state had one of the worst unemployment situations in the U.S. with millions having to go months without receiving benefits. My wife and I both had a card through Synchrony. We were late at the most two days on making payments and it only happened TWICE. Synchrony sent both my wife and I letters saying they had canceled our lines of credit and we were still due for the balance (and of course interest.) Never had a company treat its customers like this. Anyways just watch your back with this company, I know I will never do business with them again.

Easy to use app - but lacking information I would love!. I have very few complaints with the app - except that I can’t view my balance after each transaction. It would be great to be able to see my current balance after each transaction, instead of only the current balance after every single transaction. I reached out to customer support about my current balance which I did not understand for this reason - but after adding up EVERY single transaction, the number I got was close enough to my current balance so I just assumed I had a calculation error. If I could see how each transaction affected my balance, and not just how much each transaction was, this would make it so much easier!

Broken app that is inconvenient.. I’ve had a Lowe’s card through this company for about a year or so. I’ve paid it off every month and had no issues with the credit side of things so I have no reason to criticize that portion. What I will criticize is the app here. It’s broken, plain and simple. Try to login with the opening prompt and it won’t recognize your credentials. Go to the help section to give other personal info to verify it’s you and it will still say that it doesn’t recognize you. Then it prompts you to their website where, once you’re off the app, suddenly it can become useful enough to let you access your account after several more prompts to find out which type of card you have with Synchrony. Please save yourself the trouble and only use the browser version of this site to access your accounts. This is the opposite of convenient and defeats the purpose of having an app to access your account.

Synchrony Bank. I prefer working with my individual accounts that I had been customers with for a long time. They would work with me if I had an issue. They were appreciative when you call and talk to them and treat you like a person and not just $$ #. You were important to them they were concerned with keeping your business. I know they are not in the business of losing money but they don’t seem to be in the business of keeping customers either. And you can’t even get in touch with the individual companies any more to tell them how you feel. I’m sure companies are losing customers because of Synchrony Bank. I have found numerous people that do not like their cold hard rules and could care less. They cancel accounts without even speaking to you. I also heard if there is no activity in 3 months they close accounts! People are saying that if any business is run by Synchrony Bank they will not do business with them. Never heard of them until now and it is not shedding a good light right out of the gate.

Will Not Run Older Version, Will Not Update Either. App says please update to iOS 16. Until then I can use an older version of the app..but it doesn’t let me. It redirects again to needing to update my iPhone, in a vicious circle. My phone says I’m up to date on iOS 15. I cannot update my iPhone. I cannot update my iPhone therefore I cannot update the app therefore I can’t use the app! Biggest pet peeve is trying to use the web browser is a nice work around but can’t download statements because “I need to disable pop up blockers”. I tried in 2 different browsers and disabled all I could and ran in desktop mode and everything and I STILL CANNOT download a statement. I will literally pay off my cards and never use them again since the programs to pay my balances are being so difficult.

Crap company. Warning ‼️ They don’t care about there clients. I had a $4,000 line of credit with them for years. I’ve purchased all kinds of lawn equipment over the years and always made the payments on time or early and extra payments. Had a zero balance for months and months. Used my card to purchase a chainsaw after a hurricane hit and needed to cut up some trees. Cost was like $250 for the saw giving me a $35 dollar payment. Went to make first payment and my account was closed by them and there excuse was it’s based on my credit score at the time. Another words I was treated like a number and that’s completely unacceptable. Just dump a good paying client based on something that has nothing to do with my relationship with synchrony. Don’t give them your money or business.

Kick em while they’re down. I’m leaving this comment on here because I can’t get an answer from anyone on the phone. How contradictory is it for me to open the app to make a payment and I’m instantly hit with a message about how you’re doing your part to be there for your customers during this pandemic BS then continue on only to find out that my account (which is not close to its limit, is current on payments, and has a good payment history) has been closed without even a notification? And as I write this- without an explanation as well. Of the almost 2 years I’ve had this account, NOW is probably when I would need it most. Seems completely opposite of being there for someone- and I’m not even ASKING for anything! Even when society runs ‘normally’ your business actions here are ridiculous. There’s still a balance on the card that you’ve closed- should this be some sort of credit score issue or anything unrelated to this account - I could imagine it being hard to collect on it. Just sayin. I hope during this time of uncertainty, you all aren’t blowing flowers up everyone’s a__ while you close accounts from anyone that’s unfortunate enough to feel the repercussions of government shutting down the economy. Thanks Syncrony- thanks for nothin!

So much trouble. I had gotten this card for a very good reason. I had been paying my payments on time sometimes extra. I went through a time when every single time I tried to log in on the app or on the website it would tell me that i couldn’t and to try again later. So many attempts and nothing. Eventually i was able to log in but only to see a 300 dollar fee for no reason then like 40 dollar charges every few days. I had been patient about this and asked for a few weeks now to get those fixed so i can continue paying the account off. But while I get emails just saying “we’re so sorry how can we help” over and over again after I tell them exactly what my problem is but i get the same answer. I told you guys how to help me why am i being charged and asked the same questions again and again. I do not know how to fix this. All of a sudden the card is up hundreds of dollars than when I was able to log in. It’s ruining my credit score and just stacking so much debt on me. I need this fixed ASAP. And I really loved this service but now it’s just caused me so much stress.

App made it easier to pay. I like this app in making my payments. Use of this card has allowed us to buy furniture over a two year time with no interest. I just finished paying the rest off and hopefully it works out well. I have never had any problems with my payments being paid on time after submitting them. I do hope nothing negative comes around from my last payment. Still my husband and I were new to even hearing about this company, but we have noticed more businesses are using it. Appears to be more positives than negatives in reviews. Still it was the easiest app we have ever used in making our payments.

Worst bank to get credit through. I have received cards from various banks with minimal to no issues but Synchrony is by far the worst to get a credit card through. My first card I received was for Ashley Furniture which I paid off in 6 months to get the same as cash price. The day I made my last payment they send me a letter that they are reducing my credit to $200 because of my credit score. My score wasn’t any lower than when they accepted me and who can buy anything for $200 at a furniture store? Three months later they send me another letter that they closed my account. Second card I get is for tires at Discount Tires. I paid off the $700 in 6 months to take advantage of the same as cash deal. Again, the month of my last payment they drop my limit to $250. I had that limit for a few months using the card at gas stations to show use and I paid it off every billing cycle. Today I get a letter they closed my account with the same lame excuses they gave me with my Ashley account. I can see if I paid late or maybe only made minimum payments and always kept a high balance but that was never the case. I will never get credit any synchrony backed card. Ever!

Make no mistake. I opened my no interest mattress firm account and payed on-time every month. I have another credit account with different due dates. I got the payment dates mixed up one time and payed mattress firm 7 days late. I put my account on automatic payment to ensure it never happened again. A few days after my payment my available credit was lowered by thousands of dollars, lowering my credit score 48 points. One month later Synchrony closed my account because now my credit score was to low. LOL. This lowered my credit score another 22 points. I was 7 days late ONE time. I have perfect payment history on my credit report but now have a credit score 72 points less. Be VERY careful with this company they are a predatory credit lenders.

SHADY BANK PRACTICES. I’ve had multiple accounts through Synchrony Bank and all have had issues. Whether it’s insanely high APR or as of today one of my accounts being closed without my permission!!! Earlier this year my available balance decreased significantly which I assumed was because I’m homeless. But now I can’t use the app at all and as a homeless person without a computer I have NO clue how I’m going to pay my balance off now. According to customer service my account was closed due to a payment that didn’t go through. I’ve made EVERY SINGLE PAYMENT ON TIME SINCE 2018!!!! My last payment was April 5th and they closed my account on April 9th. I’m gonna let it go to collections because this bank does not deserve a single penny from me after putting me through more hardship. This weekend I’ll be moving in with my boyfriend and making a combined total of 60-70k yearly. Apparently that’s still not enough to keep my account in good standing. I’ve worked 60-70 hours a week for the past 6 months

Constant login issues with synchrony. Used to be that it was near impossible to login to my account via the app giving me an error of we are having issue please try again later, but I could log into the website via another accounts login page (directly logging into my account from the website also kinda didn’t work) eventually I was able to login to my account on the website fine, still no app, now I’m only able to login to my account via the app now and trying to login via the website just gives me errors saying we can’t pull up your account try again later. If you want to get your money back you have to make sure your customers can actually login to their accounts to pay their bills. Get it together and fix these major problems

Not sure the point anymore. I’m not sure of the point of this app anymore. If I have to “find” an account every time I access the app, and then login to that individual account before it will locate my other accounts, it’s easier and faster just to use the web browser. I used to be able to just use the MySynchrony login on this app and it remembered all my accounts but now I have to login to the individual account and then let the app find my other accounts. And you have to do the same thing next time too. What is the point??!! What did you all do to the app to make it less user friendly? I’ll just go back to using the web browser.

Not a fan.. The app works just fine but why do you guys wait so long to take a payment from an account. I make my payment as soon as I get paid on Friday and you guys don’t take the payment until Wednesday. It’s like you purposely do this as an attempt to make more money on fees. Definitely not customer friendly or oriented. Once I’m paid off. I will never do business with this bank again. All other credit cards come out by that following day or Monday. I’m just bugged. It’s makes it hard for normally everyday people with busy lives. And it just seems that synchrony takes advantage.

Pay attention if using this app. Do not expect honest information when you finally get through to an actual person. I got behind on some of the deferred interest stuff and every monthly clockwork I made the payments to not get caused extra charges. I even had to borrow money off my dad and let him into my bad financial decision and my lack of organization. This month I was moving, not only Christmas not only everything else but this month I was unable to pay $700 to offset the deferred interest fee fees, after days of calling I finally had enough time myself to get through and was told there was a 30 day grace period. As soon as I was charged anyway to go through the virtual assistant, to have one of the options we know there is no grace period, I was pretty upset. I don’t expect anyone, especially synchrony to care that I’m not gonna use their service anymore, but I will keep the balance within my limit until I can get enough money to pay it off and never use it again.

Worst Customer Service. My payment was due on the 13th even though they’ve never sent me a notice about when my payment is due, I went ahead and made a late payment on the 15th. On the 18th I paid off the account completely. Here it is on the 22nd and they had the nerve to charge me additional interest even though my next payment wasn’t due until June and the account was paid off prior to this. I paid the additional interest and closed my account today and will stick with more reputable creditors from now on. This was by far the most expensive and unnecessary credit card I’ve ever opened. Be warned, the high interest rate and poor customer service make this credit card company an inconvenient headache.

App has many bugs. Today I had 70 dollars taken out of my checking account and noticed it left my balance negative ! While trying to check on the app why and what was withdrawing from my account the app keeps closing, funny enough I can check my savings account with no worries but as soon as I click my checking the app force closes. App is useless and have always had problems with this company for example I’ve set my phone number three times now , but when ever I try to log onto my account with the computer it asks me to verify my identity with two Numbers that are not mine!! I’ve done this process three times now where I call them and adjust my account numbers but it seems to always reset. This app has caused me more problems than solutions . Canceling my accounts very soon!

Huge security flaw. Was very excited to open a Synchrony account but there was a major security flaw with account verification. There were two phone numbers automatically assigned to account for verification, one my cell and the other unrecognizable. So I called thinking I could just request them remove that number, but they said they couldn’t because that information was supplied by a 3rd party. Naturally, next question was ‘who’s the third party so I can contact them to resolve’ to which the bankers response was ‘we cannot provide the third party that provided the phone number’. What if someone that’s not me used the unauthorized number for account verification and I subsequently lost all money? I immediately cancelled the transfer and lost $35 for having to stop payment. So the agent didn’t assist with removing foreign number, canceling transaction, or providing information for third party. Save the $35 and security risk!

Easy to use and navigate. Been using this app for the past two months to manage a purchase with Musicians Friend Platinum card, which is hosted by Synchrony Bank. It’s quick and easy to get snapshot of your current status, and easy to make a payment by various methods. I’d give it 5 stars if I could find a way to make my monthly payment automatically. It’s not that much trouble submitting the payment, but since I’m doing it every month, I’d rather just have it happen. Synchrony phone support was wonderful when I applied for the card (Musicians Friend special promotion), so I could probably call and have them set it up for me.

Login issue. This apps login system needs fixing. I have two accounts that I manage through Syncrhrony. Every time I open this app, I am prompted to watch a splash screen and then a search box for me to look up my account. Then I have to type the company name to find my account, then I get brought to a website to login. So then I login and pay my bill. Then I close the app. Then the next month comes and I pay my bill again. And I have to go through this entire process again. I don’t understand why I just can’t open “the app” itself and get promoted to login in there instead? What’s the point of the app if it just brings me to your website to login? I wish I could provide screen shots here. It’s so annoying logging into this system with 10 steps to pay a bill when it should just take 2-3 steps. Login, pay, done.

Doesn’t work and it’s not accessible!. For so long, I haven’t been able to get into details of any of my accounts on the app when I clicked on them and I have deleted it and reinstalled it, but it didn’t work! I have waited for an update and I just updated it but it didn’t fix anything! The only thing that I can do in the app is just making a payment which by the way, it doesn’t specify the minimum payment and the financing terms anymore! This could be an accessibility issue as I am using voiceover due to vision impairment! It is so sad for a big company not to be able to provide such basic features! I also brought this to the customer services attention, but I don’t think they could do anything!

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Avoid this bank !!!!!!!. Terrible rates and policies. Horrible payment options. Only accepts limited payment options from limited usa banks. What absolute garbage company i got forced to use

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Good app but…. It’s a great finance app for managing payments but as a person who has all notifications off- I can not stand the little red number in the corner of the app that always pops up whenever the message center has an irrelevant message that I don’t care about. Please give us the option to turn that off! I hate notifications, I hate useless notifications even more. All I care about is when my next payment is due. PLEASE give us the option to opt out of message center notifications!

Makes paying easier. It was always a pain trying to make payments through the website, especially when I was using mobile data or another WiFi. As it would not allow me to, now with the app. It doesn’t matter where I am, I can make a payment quickly and leave out a few steps then going to the site.

Auto pay issues. I have several credit cards that use this service, and have autopay on all but my care credit. Every time I try to set it up, it asks for my bank info all over again and then tells me an error has occurred and wont let me proceed. Very frustrating. Why cant it just use my information from the other three lines of credit I have autopay set up for? And why cant their website and app work properly to let me turn on autopay? I wish so many companies didnt use synchrony for their credit lines.

Terrible lender, even worse app. I’ve not been able to ever get my Sleep Number account registered for online payment. For the last year and a half I’ve been just making payments as a guest. They recently put in place a fee for paper mailed statements. I’ve of course had to just deal with this fee because I can’t get logged in to go paperless. Calling in has been a ridiculous call que. Tried the app to see if it’s any different. Still can’t get registered and it will just recycle me to the home page where none of the links are actually clickable. I look forward to closing this account the second I pay off my Sleep Number bed.

Worst Financial institution. Synchrony Bank has to be the worst financial institution I’ve ever had to deal with. I will never open an account with Synchrony. I’ve had 3 accounts with Synchrony in good standing and always paid on time and due to a short financial hardship which lowered my credit score all 3 on time good standing accounts were closed. I have 7 credit cards from Cap1, Discover,Amex that are in good standing never lowered my spending limit. Due to Synchrony closing these accounts randomly this affected my consumer credit score. I will never choose this institution neither will my family and friends.

Awesome. I love this app it’s easy to use and quick everything is literally at your fingertips and if you have any problems customer service answers right away and guides you through step by step what ever problems you are having and stays on with until you finished they don’t just tell you how to do it then hang up they make sure the problems has been solved

App is Brokem. This is a terrible app. I have had to set it up multiple times. It seems like every time it’s updated you have to redo your account info. When it works it’s cool because you can pay multiple accounts in one place. Pleas fix your Q/A process guys. It shouldn’t be this hard to dev an app that keeps info when updated. The only reason I can think a company would do this is to add one more hurdle for folks to pay on time. I can guarantee someone at this company has ran the numbers and have found a way to generate a profit from late fees and adding interest to 0% interest accounts that were late.

Run Away….QUICKLY!. This company is absolute pure TRASH! I’ve made my payments, on time, without fail for a year (even though my balance never seemed to get lower, but I digress). Then, suddenly, out of the blue and with no warning, they just randomly closed my account. My account was current, and the irony is that I only found out my account closed because I was logging in to make my next payment. Now they’ve sent me an email saying that since my account is closed the entire balance is due immediately. Literally the worst “bank” (and I use that term loosely) I’ve ever dealt with in my 51 years. Pure trash. Run away…you’ve been duly warned.

Don’t trust auto pay. I set up my card with auto pay which would deduct on the due date but when the due date came it would process the payment and take the money out of the bank (sounds good so far). But several day’s after the due date passed it would refund my money with no notification and charge me a late fee. I would than have to call in they would apologize refund the late fee and charge the payment. This happened again and now they closed my account! Don’t go anywhere near this bank no use when there are plenty of other good choices out there.

It’s just ok. I’ve accidentally made double payments several times because unless I’m totally missing something right in front of my face, it doesn’t tell you that a payment is already pending for the due date. So I panic, unable to remember if I already submitted payment not wanting a late fee and then see the double charges from my bank. I think sometimes it says $0.00 due, but no payment shows up in the transaction history and hasn’t gone out of the bank yet and it’s confusing.

So simple to use. Love the app! Love being able to see everything about my account and make minimum payment or pay a larger amount if I wish to do so. Also, like the fact that I can see when my Promotional balances are due to make sure they are paid in full prior to Maturity Date so I don’t have to pay any accrued interest.

Bank help desk doesn’t even deserve 1 star. What many people have posted about the customer service at Synchrony is completely true. As a bank entity things work however when you have an issue and call customer service that’s when the issues begin. The people they hire to man the NOC are extremely rude. The supervisory staff is not much better. You call to get info on your account and you’re talked down to like a child all for the sake of trying to figure out what’s wrong with an existing account. I really wonder if this bank actually has people in charge that care about their clients and want repeat business or prefer to push people away to other competitors.

What happened with this updated version of the ap. I was able to open the app with face ID and instantly see all my cards, make payments, check my promotional balances, etc. Now, the app just throw me on Safari and I have to male login on the webpage to have the same experience. Seems like to use this version of the application, I have to login individually per card account, when synchrony resolved that issue about a year ago with the account manager. This app version for iPhone simply went backward!

Horrible card. Worst card I have ever had. Reports to credit agencies on a different day every month. So you never know what day you have to make your payment by. They wait several days before requesting the payment from your bank. So your bank account is basically messed up until these people decide to do what should have been done immediately when you make the payment. No I do not recommend this card. And if you charge anything within the first week after they report to the credit agencies they then report against you again. I believe this card is designed to destroy your credit. Beware!!!! Stay away!!!!

Recent Update. The recent update is what drove me to rate the app. If you’ve had it previously and didn’t have a good experience I’m sure you would be impressed if you have it another try. Very clean interface, very user friendly, easy to navigate. Super easy to keep up with account, payment history, due dates and balances. Awesome app.

Weird payment system. The ability to pay all of my accounts is great. I enjoy that it shows me the balance on every thing. However the interface when making payments is a little weird. Should be made to when I select an account and then select payment I’m only paying that account. Rather than having to select Again with account I’m going t pay. The payment system is a little wonky, but can be made more user friendly

Annoying payment process. The company intentionally screws with you. Instead of just accepting the payments that you make there’s a 3 day “processing” period that you have to hold the money for. Unlike pretty much any other payment plan app that processes the money out of your account immediately. I have an issue with remembering things so this really doesn’t help me in the slightest, I forget that there’s a 3 day wait period, spend some money from my account on food and then boom 30 dollar “check return fee” because the money wasn’t in the account when they took it. Stop screwing customers over.

I hate synchrony. When I bought my jewelry I never got anything saying that my payments would double if i didn’t pay off my total balance in two years.. my balance went from $2000 to $4000 in a matter of minutes.. I have been making my minimum payments for 2 years. I never missed a payment.. I will never buy anything on credit especially from synchrony.. I feel like I’m getting robbed.. the jewelry I bought wasn’t a deal it was a rip off.. and I asked to talk to a supervisor and he still said there’s nothing I can do.. I just got robbed by big corporation.. poor just keep getting poorer.. rich get richer from robbing the hard workers.. 👎🏾👎🏾

They make it hard to pay them. Their app is terrible, their website is terrible, just logging in is hard because instead of just asking you to log in now you have to pick what company you are going through first, no one ever answers within the hour. All around more just terrible website and app set up, they have an ai that can’t help you with anything and you can’t just pay them you also have to know ALL the account information just to pay them. Every single time I’ve had to make a payment I end up having to call them and you have to talk to a machine for a MANDATORY 10 minutes

Great Beginning!. I was thrilled to see that Synchrony came out with an app that is very user-friendly especially when it comes to seeing balances and making your payments. Making payments or breeze, as well as switching between the different accounts you may have with Synchrony Bank. I look forward to any future enhancements that they plan on releasing.

App Credit Card Login. Unable to access my account with synchrony thru the Synchrony app even though my login credentials are correct. The app also says my acct # doesn’t exist when trying to backend search my account thru the app. I can’t pay my bill if I can’t login to my online account in order to do so!??? If I request paper statements I pay $2 additional every statement, how is that fair? All of the support: Bot Chat/Live Chat and calling into customer support via phone could not help me. Hours later wasted i’m still unable to access my acct through the Synchrony Application, ridiculous!

User friendly. I like this app cause of it ease of use. Compared to other apps I would like to see an update that could possibly offer more detail purchased information such as what was purchased in other words in the transaction history show a recipe.... how many of us keep or lose recipes and forget what was purchased. Sometimes the app loads slow but that’s with all apps really. The design is nice for a basic interface. Over all I like the app and would recommend anyone who has synchrony to use this app.

Not functioning. After week from calling customer service to fix their mistakes Once i hang up with them the application stop sign me in I did call customer service they transfer me to technical service dep. one of the worst service ever you can ask for help for them *all of us are stupid and they are the master of knowledge ………… (fill all bad word ) They think that we are Uneducated and we don't know anything What they know is troubleshooting and nothing else Delete the app and download the app again Not working Try the web Not working So ……. Your self Nothing wrong in our end Poor service, run it, don't live up to four-legged

Thrives!!!. I have a 1500 credit limit on my card and over a period of time I maxed it out because of a sick animal. Every month for a few months I would pay 60 on my account and then I’d get the statement saying my account was over its limit. I went to the bank applied for a loan paid it off and they sent me another bill for $32 and some odd change. I had forgot and paid it twice and they took my $32 credit. Then you can’t get anyone on the phone. If your trying to work on your credit stay away from any place that deals with SYNCHONY BANK. YOU'LL GET RIPPED OFF EVERY TIME. CAPITAL ONE IS A GOOD CARD and they don’t gauge you with interest.

Mobile app needs some work. Got a new care-credit card, my old one is still displayed on the accounts page (which is fine) but flagged red which I don’t like. So when I hit payments it gives me an error message saying they can’t service my account anymore. Not user friendly when it comes to that. Also, I have a Lowe’s cc too, and it simply won’t add that to my mobile app. It’s displayed on the mobile website but I can’t see card or make a payment on it on the app for it.

Great convenience. I have been using this application to manage my accounts for quite some time and it has been a great experience. I can monitor the use and accuracy of my accounts with little hardship. I was able to catch fraud on my account quickly and hopefully before the store had to take a loss. I’m able to see all of my accounts at once in real time.

Dissatisfied. This company is the worst. They do not care about their customers or their business. I have used my Ashley’s Furniture Account with them now 3x. But without warning, or notification they closed my account. They said despite the fact that the 2 times I had paid my account off early that my account was closed due to my credit score (medical billing and insurance issues not even my fault). They also did not care at all that literally my account WITH THEM. Has always paid over the amount due monthly and again paid off early. None of that matters at all to them. The app is now trash just like the company.

Predatory Interest Charges. I’ve been a synchrony customer for seven years. I never had any problems with my card through Sweetwater, they gave me 0% interest financing on plenty of purchases. I had another account with Adorama and ran what I thought was the same promo. Once it expired they charged me what I found out was Deferred Interest - ie they added up 12 MONTHS of interest and charged me AT ONCE. I called them and they wouldn’t reverse the charges. I ended up getting charged $1400 for an $800 item. These types of promotions were made ILLEGAL in 2009 due to deceptive trade practices, but the law was reversed. Shame on you guys I won’t ever bank with you again!

1 star only because 0 stars not allied. So after talking to Synchrony Bank today my nose was rubbed in the fact since I made an off cycle payment at the beginning of April it fulfilled my autopay that was and still shows as due/scheduled on April 22. When I spoke to the supervisor they said Synchrony doesn’t administer the App. So I should speak to the third party App administrators about why the App still shows the Autopay due/scheduled for April 22. Additionally I have 2 closed accounts that still show up on the App. Ironic that a bank with a name like Synchrony throws up their hands and says that’s not on us. Synchrony Bank and App administrator need to Synchronize their info and present a better product to consumers.

I am glad you made this.... I always dreaded paying on my Guitar Center account because you have to go through so many steps to log in. Online would never remember any information. This makes it so much easier to manage my accounts. The only thing is Lowe’s card for instance is powered by you guys. Is it possible to get it in the app to? Or is Lowe’s proprietors of their card process?

One or two thing missing. The app is easy to use and convenient but it is missing somethings such as in the settings I have no option to change my passwords or user name, that would be lovely. And I also have a problem with “message center”. It doesn’t work nor do I know how to use it or what it’s for. Other than that, I love the fact that you can request credit increase and that the customer service stays open until midnight but bedsides that the app has been good so far.

SHADY App. The App is deplorable, Synchrony does not support it, and won’t take responsibility for it saying “it’s a third party installation” and is not their responsibility. I have four different accounts Belks, Pet boys, Sam’s Club, and a Honda Dealership Card for repairs. ALL are paid off and one has a red exclamation mark against the ‘Sam’s Club’ account that I personally Closed. I have asked several times for the Sam’s Club card to be removed from the App, but it shows up on the App constantly and nothing the customer asks for is done, so I have decided to close all my accounts belonging to Synchrony, and from this point forward, will only use my Discover Card, and my Chase Card.

Quick and easy bank account app for payments. Great app for making your payment they also send you notifications in your email and on the app at least a week before your due that your payment is coming up so if your just like me that you forget when your payment due dates are on then you will love this app great looking app overall

Very convenient. I’ve just opened a third credit card that is applied to this app through synchrony. It’s very convenient to have all three cards on one app, two of which I can request credit limit increases right in the app without a hit to my credit score. I haven’t had any issues yet but nothing has come up and I have paid everything on time.

Beautiful and efficient. The app provides a clear of view of multiple Synchrony accounts. If you have multiple accounts with various passwords, you only need one to get access them all. It’s easy to pick the one you’re doing business with and all the information is laid out simply and clearly.

Synchrony is a Scam. I have a Care Credit card, unfortunately. I signed up for the insurance, in case you aren’t working, the insurance will cover payments for you. Well, two times when I lost my job, I “didn’t qualify” to use the insurance. Not only that, the insurance was charged to my credit card, incurring interest by Synchrony. Like all big banks, profit is the number one priority. Lose your income because of Covid? Don’t worry, they will call you 4 times a day, text you and email you to let you know you’re behind on a payment. They also won’t forget to charge you late fees and interest. Synchrony has been disappointing all the way around. DO NOT DO BUSINESS with them. Save yourself the trouble.

All accounts in one place!. The MySynchrony app makes it easier to keep track of all payments. I am able to make multiple payments at one time. This saves me lots of time and no late fees because I can see at a glance where a payment is needed. The app is extremely user-friendly. I am so glad that I have this app to use!

Great. Easy snd convenient. This app is very user-friendly. I wish every single one of my bills were on here. It’s much better than working with the bank because the bank delays your payments. On this app, you pay everything immediately then you know how much money you have left in your budget

Unwanted Credit Card, abusive. This is an unwanted credit card that was given to me by a group of scammers. Supposedly I signed a contract to pay for a health scan with no interest. Guess what it was a credit card with the limit matching the credit. First fact: my credit score dropped 60 points!!!! Second fact: in order to recover my credit score I have to pay the total amount asap. No such arrangement to pay with no interest, as soon as I finish to pay I am going to close this fraudulent credit card and cancel it. Credita card are scammers but these ones put a new lower standard.

Easy to Use, Easy to Pay. I’ve been waiting for a MySynchrony app for quite some time, and this is exactly what I was hoping for. It’s quick and easy to view all of my different accounts and their balances/due dates/minimum due. Making a payment takes less than a minute. Great user-friendly app. Just wish there was a way to view balances on promotional purchases, but that’s the only thing missing for me.

Satisfied Customer in Alabama. I thoroughly enjoy paying my bill with this app. Very convenient and easy to access without the hassle of trying to get through to customer service. You can keep up with everything with one click of a button. Thanks for making my life much simpler by creating this app. Thanks Tate Furniture in Phenix City Alabama for your continued business and maintaining the best customer service. 👍🏽

Very easy!. I love seeing all of my accounts in one place. My only concern might be that because I added my son to my account, his and my bank accounts are listed so close together that it would be very easy to accidentally make a payment from his account instead of mine and vice versa. I love that I was able to add him on because now he can make his phone payment directly instead of to me.

User friendly. ⭐️⭐️⭐️⭐️ The Synchrony app is incredibly user-friendly and straightforward to navigate. From the clean layout to the intuitive menus, it makes managing finances a breeze. I was able to access everything I needed without any hassle, and even the setup was quick and easy. Only reason for 4 stars instead of 5 is that there are a few features I’d love to see added, but overall, it’s a fantastic app for anyone looking for simplicity and functionality!

Don't waste you time! Go online instead of.... Downloading this "App". This app USED to work. I was happy when I found this app and had wished I knew about it 2 years earlier when I had another retail acct. associated with this bank. Then before these "unprecedented times" occurred, I had applied for another cc account associated with Synchrony and I was happily and conveniently paying down my account until about 5-6 months ago. When I attempted to make a payment, there was an 800 number and a website, I think. I'm so frustrated right now that I don't even remember what was on there. I EVEN deleted the app and reinstalled it again and still to no avail.

Great App to make online payments. I bought a mattress at Mattress Firm and the Synchony app has been a great tool to make extra payments towards my principal amount. I had it set to autopay and then payed extra amounts on my phone when I could. The app is pretty straight forward and user friendly. I paid my mattress off a year early with extra payments and I feel like the ease of the app helped me accomplish that.

Very unhappy. This app has made me very angry. I signed up for estatements but can’t get through the app. Called customer service and was told click on log in within the email. Just tells me to open this app. It refuses to let me view my statement. The app also doesn’t tell you what your closing date is either so I accidentally made a second payment ahead of time in the same period now in order to be compliant I have to make another payment within their period which I just did. They lack all of the pertinent information. If you to know anything else you have to actually turn on your computer and sign in. What good is the app if it only provides limited information.

Decreasing credit card limits. Synchrony will decrease your limit even if you have made 100% on time payments with them and have a low balance in the credit account with them. They will pull your credit score occasionally and decide you aren’t worthy to have a limit that high. I went from a 3800 limit to a 500 dollar limit with no prior notice. I was out of a job for 2 months and was going through a hardship and it tanked my credit. Having this limit change made my credit decrease even more. I have never had a credit card company decrease my limit like this.

Bad bank bad app. I have been unable to sign into the app for the longest time now; I saw the other reviews and I am relieved/frustrated to see I am not the only one. Not only that but I have gotten no updates or notifications of upcoming bill dates. I contacted their customer service and at the time I had asked them instead of just electronic May I please also have paper notices come in again for my mother to see them as well. Instead they removed both paper AND email notifications. Soon as I am done with these payments I am dropping them and letting everyone else know as well. DO NOT USE SYNCHRONY

Helps me in my busy life. I use to be a stay at home wife, but after the little ones I babysat no longer needed me, I decided to get a job outside the house. Long-short, I’m not home much with my laptop, and paying bills on time that way has become a challenge. I downloaded the app, set up my account, and it’s literally a couple of taps to pay my bill. It helps me get stuff taken care of quickly, which is what I need. :)

Love This New App. I have several credit cards under the same umbrella, but I didn’t know about the merge of those cards which affected my online access. Once I spoke with customer service, and received the online website and created a user name and password, I was able to see my several credit cards with balances, purchases, returns and payment history. So, the merge was a good thing.