SynchronyReviews 2

I received notification from my Credit Reporting Agency that my QVC Credit Card was cancelled. (Synchrony Bank) I called and was informed they close accounts if you haven't used it in 24 months. No notice given! I am not a huge shopper but I didn't know I'd be punished for it. Unless you shop QVC regularly, use another card, don't fall for the "We can offer you $50.00 credit if you open an account ". Closing accounts does bring your credit score down.

Synchrony is a bank that issues private label credit cards. I applied for a Lowe's credit card online and was rejected because they couldn't get a credit report on me. I forgot that I locked them down to prevent fraud. So, I reapplied and got an automatic reply that I was rejected again because I reapplied too soon. So, I called customer service and was told to reapply online and then call customer service back. I did that and the rep I spoke to told me I was denied again but she wouldn't tell me. A few days later, I got an automated reply that I had reapplied too soon. So, I am done with them. I would also suggest NEVER getting a credit card from a retailer that promises a big discount on your first purchase. The bank behind that card is likely Synchrony. It just isn't worth it.